Pharmaceutical Financing Solutions

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Pharmacies, including compounding pharmacies, contracts, and specialty pharmacies, have access to financing options such as medical accounts receivable lines of credit and medical accounts receivable factoring.

These financing options aim to alleviate cash flow issues caused by unpaid invoices and delayed payments from insurance carriers, Medicaid, and Medicare.

Medical Accounts Receivable Line of Credit 

• $500,000 - $15,000,000

• Up to 85% Advance Rate

• Non-amortizing structure (interest-only payments)

• Get charged interest only on the amount of AR financed

• Covenant light

• We work with any medical provider that bills third-party insurance carriers

Medical Accounts Receivable Factoring Facility

• $100,000 - $3,000,000 (below $100,000 - click)

• Up to 85% Advance Rate

• Choose which AR to factor

• Limited collection history acceptable

• We work with any medical provider that bills third-party insurance carriers

Three top reasons why AR line of credit or medical invoice factoring can help pharmacies:

1. Get cash upfront for claims instead of waiting to get paid from insurance carriers.

2. Medication costs can be very high. Improved cash flow will allow a pharmacy to pay wholesalers faster, allowing the pharmacy to qualify for early payment discounts. In some cases, these discounts cover the cost of the AR line.

3. An AR line is much cheaper than equity and less restrictive than a bank loan.

As every business owner knows, sales alone do not measure the profitability of a company. Sales may be increasing but you may be waiting weeks or months to receive payments on your invoices, and during that time your cash flow is significantly affected.  We are part of a network of strategic partners specializing in funding solutions for pharmacies and other healthcare professionals with financial services that are tailored specifically for the healthcare industry.

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