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    Pharmacy Financing

    Pharmacy Loans to Keep You Financially Healthy

    You take care of our community every day. Let us take care of you. You deserve a financial partner versed in the nuance of the healthcare world that can help you achieve your goals for your business. Whether you're looking to refinance, remodel, expand and acquire, or build your pharmacy from the ground up, our team of industry experts is ready to support you with the funding you need to succeed. 

    At United, we understand that no two businesses are the same, and it shows through our personalized approach to lending. Our SBA lending experts will get to know you and your pharmacy’s needs, then work with you to find your perfect financial fit.

    Contact the Pharmacy Financing team

    Jessie Marolis

    SBA Healthcare Manager

    Amer Khamis

    Business Development Officer

    Connect with a SBA lending specialist to get started.

    Frequently Asked Questions for SBA Lending

    The U.S. Small Business Administration (SBA) is a federal agency that assists in financing new business and helps existing businesses grow and flourish.  An SBA loan is a small business loan provided by a financial institution and guaranteed by the SBA.  The SBA guarantee gives the financial institution more incentive to loan money to small businesses that might not normally qualify for a traditional commercial loan.
    PLP (Preferred Lender Program) status is the most desirable accreditation a lender can receive.  United Community is a SBA Preferred Lender which means we can offer the full range of SBA loan products, and have the authority to make final credit decisions on behalf of the SBA.  In contrast, non-preferred lenders must submit a full application to the SBA for approval, which makes the process longer.
    The advantages of obtaining a SBA loan from a SBA Preferred Lender include faster loan processing times and improved chances of approval.  Preferred Lenders have a proven track record of getting small business owners the funds they need in a timely manner.
    Through the SBA 7(a) and 504 loan programs, small businesses can obtain a loan for a variety of needs including:
    1. Ground-up construction;
    2. Purchase of real estate and/or leasehold improvements;
    3. Purchase inventory, equipment, furniture and fixtures;
    4. Refinance debt
    5. Start-up a business
    6. Acquire another business
    7. Finance a franchise
    The entire SBA loan process generally takes 60 to 90 days due to the high volume of paperwork and documentation that you need to provide.
    General documents required, but not limited to, for SBA loans are:
    1. 3-years Personal and Business Tax Returns in pdf format
    2. Formulated Business Plan
    3. Personal Financial Statement
    4. Driver’s License
    5. Bank Statements
    6. Business License and Entity Documentation
    7. Current Balance Sheet, Profit & Loss and Debt Schedules
    An equity injection is an investment of funds borrowers contribute into their business before being granted a government guaranteed loan. It essentially functions as a down payment and is typically 10% for a SBA loan. Types of equity injection include:
    1. Cash and personal assets
    2. Investments or gifts
    3. Business assets
    4. Seller or third-party debt on full standby
    5. Combining two types of Seller debt for equity
    To qualify for a SBA loan, some basic requirements are:
    • Operate for profit
    • Be a U.S. Citizen or permanent legal resident
    • Show profitable projections for start-up or expansion of a business
    • Demonstrate reasonable equity to invest
    For additional information, go to:
    Contact one of our specialized SBA Lenders at or call 1-888-987-5884.

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