Invoice factoring for insurance receivables. Working capital to bridge PBM clawbacks. Equipment financing for dispensing robots and automation. Independent pharmacies funded in 24–48 hours.
There are over 21,000 independent pharmacies in the United States, and most of them are fighting the same war: you dispense drugs today, but you don't get paid for 60–90 days. Meanwhile, your wholesaler expects payment in 7–14 days. That gap destroys cash flow.
PBMs like Express Scripts, CVS Caremark, and OptumRx routinely take 30–90 days to reimburse claims. Medicare Part D and Medicaid can take even longer. You've already paid for the drugs — the insurance company hasn't paid you yet.
Direct and Indirect Remuneration (DIR) fees can claw back 3–10% of your reimbursements — sometimes a year after the transaction. Independent pharmacies lose an average of $18,000–$35,000/year to DIR fees alone.
A full-service independent pharmacy needs $100,000–$500,000 in drug inventory on hand at all times. Specialty pharmacies and compounding pharmacies need even more. Banks don't understand why your balance sheet looks the way it does.
The single most powerful tool for pharmacy cash flow. Factor your outstanding insurance receivables — PBM claims, Medicare, Medicaid — and get up to 80% of the value immediately instead of waiting 60–90 days.
Short-term capital for inventory purchasing, DIR fee absorption, or covering payroll during low-volume periods. Repaid via daily ACH from your business account — no fixed monthly payment cliff.
Finance dispensing robots, refrigeration units, compounding equipment, and pharmacy management systems. Preserve cash while modernizing your operation. Terms up to 60 months keep monthly payments manageable.
Draw when needed, repay as cash comes in. Perfect for managing the unpredictable timing of PBM clawbacks or sudden inventory shortages. Use it as a permanent cash flow buffer.
| Option | Best For | Amount | Speed | Repayment | Credit Req. |
|---|---|---|---|---|---|
| Invoice FactoringBest for AR | PBM/Medicare receivables | 80% of AR value | 24–48 hrs | Auto from collections | 550+ (payer credit matters more) |
| Working Capital | Inventory, payroll, DIR fees | $10K–$250K | Same day | Daily ACH | 550+ |
| Equipment Financing | Dispensing robots, refrigeration | $10K–$500K | 24–72 hrs | Fixed monthly | 580+ |
| Line of Credit | Ongoing cash buffer, DIR clawbacks | $10K–$250K | 24–48 hrs | Monthly minimum | 600+ |
Outstanding AR: $200,000
Advance Rate: 80%
Amount Received: $160,000
Factoring Fee: 3% of face value = $6,000
Reserve Released: $34,000 when payer pays
Net Cost: $6,000 to access $160K immediately
vs. waiting 75 days and risking DIR clawbacks
Loan Amount: $75,000
Product: Working Capital
Term: 9 months
Factor Rate: 1.28
Total Repayment: $96,000
Daily Payment: ~$355 (ACH)
For: Emergency restocking of specialty medications
Equipment Cost: $85,000
Product: Equipment Financing
Term: 48 months
Factor Rate: 1.30
Total Repayment: $110,500
Monthly Payment: ~$2,302
For: BD Rowa dispensing robot, reduces dispensing errors by 99%
MFE gets independent pharmacies funded in 24–48 hours. Factor your receivables, stock your inventory, pay your staff. Apply in 5 minutes.
Apply Now — No Obligation (305) 384-8391Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.