Banxware x Onfy: How Embedded Lending Helps Pharmacies Move Faster in a Changing Market

Financing needs of pharmacies

The independent pharmacy landscape in Germany is changing. Owners are now faced with investment decisions that go beyond shelves and stock:

• Compliance with digital mandates (e.g., eRezept, ePA)
• Upgrading IT systems and integrating digital workflows
• Sustainability investments like energy-efficient equipment or building upgrades
• Bridge financing to cover delays in reimbursements

Many of these decisions can’t wait weeks or months. Yet for pharmacies, traditional financing often involves paperwork... and time.

A modern financing mix

For most pharmacy owners, their bank remains a trusted and essential partner. But as the industry becomes more dynamic, that relationship alone may no longer be enough. What’s needed is a complementary financing mix: one that pairs long-term support with short-term flexibility.

That’s where embedded lending comes into play. It doesn’t replace the bank, it adds a digital layer that allows pharmacies to act quickly when timing matters. Whether it’s an urgent equipment need, a new compliance deadline, or a short-term cash flow gap, having access to flexible, fast capital directly in the platform interface can be a game-changer.

And this isn’t about replacing the role of banks. As our Mandya Aziz puts it:

“Pharmacies often have strong banking relationships. Adding a digital solution like Banxware to the mix gives them the flexibility to act faster, especially when it matters most.”
- Mandya Aziz, Chief Commercial Officer Banxware

Onfy: a market place built for pharmacy sellers

Founded in 2021, Onfy has quickly grown into one of Germany’s leading online marketplaces for pharmacies. The platform enables consumers to conveniently compare and purchase health products from a wide range of participating pharmacies, combining the reach of e-commerce with the trusted service of local providers.

By embedding Banxware’s financing solution directly into Onfy, the platform now gives pharmacies fast, digital access to capital, without ever leaving their operational flow.

With Banxware's embedded lending solution, pharmacy sellers can:

• Access up to €5 million in financing
• Apply 100% digitally in just 15 minutes, with no paperwork
• Receive funds in just 1-3 business days
• Use the capital for whatever matters most: equipment, upgrades, bridging gaps

For Onfy, the decision to offer embedded lending is rooted in its commitment to helping pharmacies thrive in a changing market. Many of its sellers are independent businesses with limited time and resources. By making financing easily accessible at the point of need, Onfy supports their ability to invest in upgrades and meet compliance demands, without interrupting their day-to-day operations.

A signal to other platforms

The Banxware-Onfy partnership highlights a broader shift in embedded finance: it’s not limited to trendy ecommerce brands or tech-savvy platforms. Even sectors with traditionally stable business models, like pharmacies, face moments when fast, flexible capital makes the difference.

Platforms across industries can take note:

• If your sellers need to invest in compliance, inventory, or digital tools, financing should be part of your value stack.
• Embedding lending directly into your seller interface improves adoption and relevance.
• Offering working capital at the point of need increases platform engagement and seller retention.

From fashion (LOVECO) to refurbished electronics (itmops), Banxware has helped merchants grow with simple, digital financing. Now, with Onfy, that same support reaches the pharmacy sector.

Conclusion

With Banxware now embedded in Onfy, pharmacies gain an additional tool in navigating today’s shifting healthcare landscape.

For pharmacy owners, it’s about expanding their financing options. Having flexible financing directly within a marketplace platform gives them the freedom to act when needed, without disrupting their core operations.

This partnership doesn’t just illustrate how embedded lending works in a new context, it quietly makes the case for a broader rethink: how can platforms across all industries lower the barriers to financial flexibility for their sellers?

Not every business needs financing every day. But when they do, they often need it quickly, and without friction. That’s where embedded lending has the potential to do the most good.