From 6 to 121 Prescriptions: How Smart Cash Flow Fueled Growth

Before the Card

Building an Independent Pharmacy from the Ground Up

After witnessing firsthand the gaps in mainstream healthcare—especially during the pandemic—Sam Myers and his wife, Ashley, set out to create something better for the community of Oxford, Mississippi. On April 1, 2024, they opened Myers Apothecary, a vision years in the making. Sam, with a background in compounding, and Ashley, who saw the life-changing benefits of compounding in her clinic work, were united by a mission to take patient care into their own hands. Frustrated by the constraints of big box pharmacies, they built a practice centered on autonomy, clinical excellence, and personal connection.

Myers Apothecary is more than a pharmacy—from traditional prescriptions to specialized compounding for fertility, sexual wellness, and even pets, their services are as diverse as the needs they serve. The shelves are stocked with convenience items like coffee, casseroles, and birthday gifts, making it a go-to destination for the community.

Bringing Myers Apothecary to life was no small feat—it took two years of thoughtful planning and relentless effort. But when they finally opened their doors, the community showed up in full force, leaving Sam and Ashley with a welcome challenge: rapid growth. “Managing cash flow during rapid growth is incredibly challenging. At first, we relied on a bank loan and some personal credit cards I already had. But with the overwhelming response from the community, those tools just couldn’t keep up with how quickly we were expanding, ” Sam exclaimed. 

“I’ve always valued having a clear view of our finances, but I was starting to lose that—and it worried me. As an independent pharmacy handling a high volume of daily transactions, it’s absolutely critical that we stay razor sharp on every dollar coming in and going out.”

The Turning Point

A Simple Email From The NCPA

One afternoon, Sam received an email from the National Community Pharmacists Association—the leading trade group advocating for independent pharmacies on Capitol Hill. “I don’t open every email, but when something comes from NCPA, I always take a closer look,” Sam explained. “They don’t put their name behind just anything.”

“At the time, I was already thinking about opening a business credit card to keep up with our growth,” he continued. “What stood out to me about this one was the combination of a generous 55-day float and a solid rewards program. It felt like the best of both worlds, so I decided to give it a try.”

After the Card

From 6 prescriptions a day, to 121

As soon as Sam was approved for a $10,000 credit limit with the NCPA Mastercard, he was able to meet the growing demand from his local community head-on.

He scaled from filling just 6 prescriptions a day to 121, and began purchasing $6,000 to $8,000 worth of inventory at one time to keep up with the surge in business.

How were those results enabled? For Sam, the card quickly became more than just a payment tool—it became a strategic asset.

• Cash Flow Made Simple: With up to 55 days to pay without fees, Sam could align his payments with incoming insurance reimbursements. “We no longer had to front the cash while waiting on payors,” he said. The ability to make manual payments gave him flexibility to stay in sync with the pharmacy’s revenue cycle.
• Real-Time Visibility & Control: The card’s clean, easy-to-use website gave Sam full visibility into every transaction. He set spending caps for employees—like a $10,000 limit—to keep oversight tight. And by paying the balance in daily chunks (e.g., $1,000 per day), he kept cash flow steady and aligned with earnings. “It helped us make sure we were earning $10,000 while spending $10,000.”
• Perks With Purpose: Sam also used the card’s rewards for meaningful benefits, like covering costs for employee education, conferences, and even year-end bonuses through physical checks. “It’s been a great way to reinvest in our team.”

Sam’s Advice to Other Pharmacies:

“Throughout my journey in this industry, I’ve come to operate by three core principles:

1. Take care of the person in front of you – Whether it’s a patient at the counter or a client on the phone, give them your full attention and care.
2. Think long-term – Focus on the 10-year path, not just short-term wins or quick fixes.
3. Prioritize quality over speed – Never compromise the quality of care in the name of rapid growth.”

I believe the NCPA Business Mastercard is one of the few financial tools that truly aligns with my values. They take care of me the same way I strive to take care of my customers. They think long-term—whether it’s offering a higher credit limit or simply being available with advice when I call. And every tool they launch reflects a commitment to quality. That kind of alignment genuinely excites me about what they’re building.