Automate your pharmacy and keep cash for inventory
Dispensing automation, compounding hoods, packaging systems, fixtures and software for independent, long-term-care, specialty and compounding pharmacies, plus working capital for inventory and reimbursement gaps.
Pharmacy equipment we finance
Automation is how independent pharmacies fill more scripts with the same staff. We finance the equipment, the build-out and the software together.
Rough price ranges for pharmacy equipment
| Equipment | Typical new price |
|---|---|
| Counting machine | $3,000 – $25,000 |
| Pharmacy or vaccine refrigerator | $3,000 – $15,000 |
| Adherence packaging system | $50,000 – $250,000 |
| Robotic dispensing system | $100,000 – $400,000+ |
| Compounding hood or isolator | $15,000 – $60,000 |
| Cleanroom build-out | $100,000 – $300,000+ |
| Store fixtures and build-out | $50,000 – $250,000 |
Estimates only, not quotes. Refurbished automation can cost much less and can be financed the same way.
Which funding fits which pharmacy need
| The need | Best fit | Why |
|---|---|---|
| Automation, fixtures, hoods | Equipment financing or lease | Lowest cost; the equipment is the collateral, with fixed payments up to 72 months. |
| Inventory and wholesaler bills | Business line of credit | Draw when you order, repay as claims pay, and reuse it. |
| Waiting on PBM or insurance reimbursement | Working capital loan | Bridges the gap between dispensing and getting paid. |
| Buying a pharmacy or opening a location | SBA or term loan | Longer terms for goodwill, build-out and startup costs. |
Straight talk: pharmacy margins are thin, so keep long-life equipment on equipment financing and short-term needs on short-term money.
How equipment financing works
Funding your equipment.
Your trusted source for business capital.
Why pharmacies finance with us
What it takes to qualify
- Active pharmacy business entity and state pharmacy license
- Personal guaranty from owners (corp-only available for established groups)
- Strong personal credit (650+ typical for larger equipment)
- Vendor quote for the equipment
- 3–4 months of bank statements for working capital
- No bankruptcies in the last 7 years and no unresolved tax liens
See where you stand with the approval indicator.
Automation pays when volume is there
A dispensing robot or packaging system saves labor and errors, but only if your script volume keeps it busy. Look at scripts per day, technician hours saved and any new revenue (for example long-term-care or adherence packaging clients) before you sign. Also budget for software support fees and service contracts, which often continue after the equipment is paid off.
From vendor quote to go-live
- Send the quoteFrom any manufacturer, dealer or refurbisher.
- Apply in minutesA one-page application covers requests up to about $250K.
- Choose your structureFMV, $1 buyout or EFA, with deferred payments if needed.
- We fund the vendorUsually 1–5 days after signing and delivery confirmation.
Pharmacy financing questions
What pharmacy equipment can I finance?
Dispensing automation, counting machines, packaging systems, compounding hoods and cleanrooms, refrigerators, pharmacy software and POS, fixtures, build-outs and delivery vehicles.
Can I finance pharmacy software?
Yes. Pharmacy management systems, POS and related hardware can be financed, often bundled with equipment and installation.
Can a new pharmacy get financing?
Yes. New pharmacies are considered based on the owners' credit and experience, usually with a down payment and a business plan.
How do I finance pharmacy inventory?
A business line of credit or working capital loan usually fits best for inventory, since it is repaid as claims are paid.
How much can I finance on the application alone?
Up to about $250,000 with a one-page application, depending on credit and time in business. Larger packages, up to $5,000,000, need financial statements.
Is pharmacy equipment financing tax deductible?
Equipment you own through an EFA or $1 buyout lease may qualify for Section 179, and FMV lease payments are generally deductible. Confirm with your CPA.
Ready to automate your pharmacy?
Send us the vendor quote and get approved, often by the next day.
Equipment prices shown are general estimates, not quotes. All financing subject to credit approval; terms vary by credit, time in business, financials and equipment. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in pharmacy equipment financing, predominantly involve personal interaction with an underwriter as a fraud-prevention safeguard. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Once approved and signed, we pay your vendor directly (often within 24 to 48 hours) so your equipment ships fast.