A secured 5-year note structure delivering 10% annual interest plus per-prescription revenue participation. Positioned at the intersection of a $578B non-cyclical market and infrastructure capital.
Watch: How Recurring Prescription Revenue Creates Predictable Capital Returns
"Prescription utilization is among the most predictable, recurring behaviors in consumer finance."
A four-step transaction flow converting national pharmacy network access into recurring, measurable capital returns.
ACRx prescription discount cards distributed through national PBM network to consumers at no cost.
Cardholders use cards at 67,000+ participating pharmacies nationwide for immediate savings.
Every filled prescription generates a statutory per-Rx fee of $2.75/Rx through the network.
Capital partners receive 10% annual interest + 25% of Rx participation revenue, paid quarterly.
| Feature | Detail |
|---|---|
| Instrument | Secured 5-Year Note |
| Annual Interest | 10% (paid quarterly) |
| Revenue Participation | Per-Rx fee, 25% investor share |
| Regulatory Upside | Optional (supplemental only) |
| Capital Raise | $30M – $400M |
| Advisory | Stifel Financial Corp. |
| Minimum Investment | $30M |
| Term | 5 Years |
Investment is structured as a secured note, not equity. Principal protection is built into the instrument architecture.
Investors benefit from fixed 10% annual interest plus variable per-prescription participation revenue — two independent, additive return mechanisms.
Capital raise is advised by Stifel Financial Corp., providing institutional oversight and structuring standards appropriate for qualified investors.
Audited financials, full offering memorandum, and legal documentation available to qualified investors under NDA upon request.
| Metric | 12% Utilization | 15% Utilization | 18% Utilization |
|---|---|---|---|
| Cards Distributed | 30,000,000 | 30,000,000 | 30,000,000 |
| Active Cardholders | 3,600,000 | 4,500,000 | 5,400,000 |
| Annual Prescriptions | 15,120,000 | 18,900,000 | 22,680,000 |
| Annual Rx Revenue | $2,835,000 | $3,544,000 | $4,253,000 |
| Annual Interest (10%) | $3,000,000 | $3,000,000 | $3,000,000 |
| Total Annual Return | $5,835,000 | $6,544,000 | $7,253,000 |
| 5-Year Total Return | $29,175,000 | $32,720,000 | $36,265,000 |
Model Assumptions: Cards = $1 investment : 1 card. Avg 4.2 prescriptions/card/year. $0.75/Rx platform fee. 25% investor participation. Annual interest paid quarterly. Projections are illustrative and not guaranteed.
Returns scale linearly with capital deployed. Each dollar of investment funds one card distribution.
| Investment | Cards Distributed | Annual Interest | Annual Rx Rev (15%) | 5-Year Total |
|---|---|---|---|---|
| $30M | 30,000,000 | $3,000,000 | $3,544,500 | $32,722,500 |
| $50M | 50,000,000 | $5,000,000 | $5,907,500 | $54,537,500 |
| $75M | 75,000,000 | $7,500,000 | $8,861,250 | $81,806,250 |
| $100M | 100,000,000 | $10,000,000 | $11,815,000 | $109,075,000 |
| $200M | 200,000,000 | $20,000,000 | $23,630,000 | $218,150,000 |
| $400M | 400,000,000 | $40,000,000 | $47,260,000 | $436,300,000 |
Minimum investment: $30,000,000
| Metric | 12% Utilization | 15% Utilization | 18% Utilization |
|---|---|---|---|
| Active Cardholders | 3,600,000 | 4,500,000 | 5,400,000 |
| Annual Rx Revenue | $2,835,000 | $3,544,000 | $4,253,000 |
| Total Annual Return | $5,835,000 | $6,544,000 | $7,253,000 |
| 5-Year Total | $29,175,000 | $32,720,000 | $36,265,000 |
Comprehensive video documentation for qualified investors conducting due diligence.
Investment protected by statutory first-priority structure, not equity risk. Principal security is contractually defined.
Prescriptions are filled regardless of economic conditions. Healthcare spend is recession-resistant; utilization increases during health crises.
Proven infrastructure, not a startup. Distribution network built over two decades without venture capital or prior institutional debt.
Revenue distributed across millions of individual transactions. No single-point concentration risk — no customer represents more than a fractional share.
Base returns are not dependent on regulatory outcomes. Any regulatory revenue is additive — base case underwriting excludes it entirely.
"This is infrastructure capital for a national healthcare utility."
Request the Deal RoomTexas-based partners can apply for a $3,000–$5,000 PeopleFund grant that directly offsets the SBA 504 down payment — making Texas the most capital-efficient territory entry in the country. Texas holds 4 of the top 10 US metros, a massive uninsured population, and one of the highest veteran densities in the nation.
PeopleFund grant eligibility reduces your actual cash requirement to a fraction of the SBA 504 down payment. Veteran-friendly — PeopleFund is a veteran-focused accelerator.
| Tier | Territory | License Fee | 10% Down (SBA 504) | PeopleFund Grant | Actual Out-of-Pocket |
|---|---|---|---|---|---|
| Tier 1 | Dallas, Houston | $150,000 | $15,000 | −$5,000 | $10,000 |
| Tier 2 | San Antonio, Austin | $125,000 | $12,500 | −$5,000 | $7,500 |
| Tier 3 | El Paso, McAllen | $100,000 | $10,000 | −$5,000 | $5,000 |
| Tier 4 | Smaller TX Metros | $75,000 | $7,500 | −$5,000 | $2,500 |
* PeopleFund grant availability subject to individual qualification. SBA 504 financing requires lender approval. Consult PeopleFund directly for eligibility details. Not a guarantee of funding.
Four-tier structure based on metro population rank. SBA 504 financing available across all tiers. Total capital raise at blended pricing: $32,125,000 from 400 territory partners.
| Tier | Metros | License Fee | 10% Down | SBA 504 Financed | ~Monthly (6%, 10yr) | Revenue / Rx |
|---|---|---|---|---|---|---|
| Tier 1 | Top 10 | $150,000 | $15,000 | $135,000 | ~$1,499/mo | $0.15 / Rx |
| Tier 2 | 11–25 | $125,000 | $12,500 | $112,500 | ~$1,249/mo | $0.15 / Rx |
| Tier 3 | 26–50 | $100,000 | $10,000 | $90,000 | ~$999/mo | $0.15 / Rx |
| Tier 4 | 51–400 | $75,000 | $7,500 | $67,500 | ~$749/mo | $0.15 / Rx |
From 400 territory partners at blended pricing across all 4 tiers
Per prescription filled in your territory — ongoing, indefinite revenue sharing tied to card utilization
Territories are available now. SBA 504 applications can be started immediately. Select metro markets are filling fast.
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