Key Takeaways
- Licensed pharmacist-parolees with US pharmacy revenue qualify
- Drug inventory financing with inventory as collateral
- Working capital for PBM reimbursement cycle gaps
- Pharmacy acquisition financing up to $3M
- No green card required — RPh license required
Ukrainian pharmacist-parolees on humanitarian parole are building successful US pharmacy businesses — generating real revenue that traditional banks ignore because of their visa status. Bankable evaluates your business on what matters: monthly revenue, operating history, and business fundamentals.
Ukrainian Pharmacists in the US
Ukrainian pharmacists who obtained US NAPLEX equivalency and state RPh licenses are opening independent pharmacies that serve both the Ukrainian diaspora and broader community patient populations. Independent pharmacy is a $50B+ sector where parolee pharmacists can build highly profitable operations. PBM reimbursement cycles (30-60 days) create the primary cash flow challenge that Bankable's working capital solves.
Funding Products
- Drug Inventory Financing: Fund initial drug inventory ($100K-$500K) with inventory as partial collateral.
- PBM Reimbursement Bridge: Advance against outstanding PBM claims during 30-60 day reimbursement processing cycles.
- Pharmacy Acquisition: Purchase an existing independent pharmacy with established dispensing volume up to $3M.
- Automation Equipment: Automated dispensing robots, prescription management systems, and POS equipment.
Equipment Financing
Finance the physical assets your business needs with the equipment as collateral.
Explore →Frequently Asked Questions
Yes. Ukrainian pharmacist-parolee humanitarian parolees with valid EADs and US pharmacy revenue that exceeds $30K/month qualify for Bankable's funding products. We do not require green card or permanent residency.
Valid EAD, parole documentation, 3 months of US business bank statements, business EIN, and a voided business check. No tax returns required for amounts under $250K.
Working capital advances are decided within 48 hours. Equipment financing decisions typically take 48-72 hours. Funds wire within 2-3 business days of approval.
We prefer 620+ for working capital and 640+ for equipment financing, but we evaluate the full picture — revenue strength, time in business, and industry risk can compensate for lower scores.
Revenue-based working capital requires no collateral beyond a general business lien. Equipment financing uses the financed equipment as collateral. Larger term loans may require personal guarantee.
Qualifying businesses can access up to $5M. Most early-stage businesses qualify for $25K-$500K based on revenue. Businesses doing $100K+/month can access larger facilities.
Bankable structures funding terms to your remaining authorization period. Parole renewals are typically straightforward for CHNV and Ukrainian U4U programs. See our guide on parole expiry and business funding.
Yes, as long as the majority (51%+) ownership is the parolee with EAD. Mixed-status business partnerships are acceptable. Each partner's immigration status is reviewed but majority ownership by a parole holder qualifies.