Pharmacies can use these loans to consolidate multiple debts into one loan, often at a lower interest rate and with longer repayment terms. Loan amounts can range from $250,000 to $10 million, and both conventional and SBA-backed options are available.

HealthGrowth Capital specializes in pharmacy financing, including debt consolidation and refinancing. HealthGrowth understand pharmacy cash flow and can structure loans to improve monthly payments and overall financial health with specialized lenders who understand our industry.

Gather business and personal financial documents, details of existing debts, and apply through a pharmacy-focused lender or SBA-preferred lender. The process typically takes 45–60 days for approval and funding.

Refinancing or consolidating can lower your interest rate, reduce monthly payments, and simplify your finances by combining multiple debts into one manageable payment.