Industry Insights
NuPathways RX Success Story
How Geraldine Okwuonu secured a business loan to open NuPathways pharmacy through the Bridge platform after banks turned her down. Read her full story.

She was manually reaching out to banks and getting discouraged. “By submitting my RFP on the Bridge built by Citi platform, I was able to kill a million birds with one stone. I just did it to see, and it worked. It was really easy, really simple. Not like the traditional bank process I was raised to expect.”
Okwuonu connected with loan service and underwriting specialist Patrick Dixon from NCRC Community Development Fund, a CDFI based in Washington D.C., and felt she found the right lender for her. “Their mission was aligned with my business’s mission.”
Dixon says that the way Okwuonu described NuPathway RX’s purpose in her RFP stood out to him when evaluating whether to reply with indicative loan terms. “I thought a pharmacy that is working on serving the underserved population – it would be great to work with them. I thought that we could help them. [NCRC CDF’s] mission is to bridge the racial wealth gap particularly in black communities, but we really serve all entrepreneurs and all businesses regardless of race.”
Once Dixon and Okwuonu connected via the Bridge built by Citi platform, the process continued smoothly. “They kept me updated regularly,” said Okwuonu. “Weekly at the start. They never left me out of the loop. I absolutely would not have found them without Bridge. The portal gave me hope, as cheesy as that sounds. It opened a huge door for me.”
“Without the Bridge built by Citi platform I’m not sure we would have connected,” says Dixon. “But when I saw their RFP, seeing the need and the opportunity we had to make an impact, I thought it would be a great company to work with.”
NuPathways RX received a $100,000 term loan from NCRC CDF and the business is using the funds to continuing serving its community in New Jersey.
Terms of use apply. The Bridge built by Citi platform helps to facilitate the establishment of an independent relationship between a prospective borrower and lenders but there is no guarantee that loan offers will be received. Neither Citibank, N.A. nor any affiliates (Citi), nor the platform, provide advice or have any influence in lending decisions. Citi does not participate as a lender on the platform.
Filed under
More from Industry Insights
What Is Asset-Based Lending? Inventory as Collateral
Asset-based lending explained: how the borrowing base and advance rates turn your receivables and inventory into a flexible, growing business credit line.
Industry InsightsNo Credit Check Inventory Funding: Myth vs. Reality
Get inventory financing with weak credit by leading with strong collateral and sell-through. Learn what lenders check and how to spot predatory offers.
Industry InsightsInventory Credit Line: When a Revolving Line Beats a Loan
An inventory credit line is a revolving facility you draw, repay, and redraw as stock cycles. Learn when it beats a one-time inventory loan, plus costs.
Industry InsightsFinance Inventory or Use Cash? The Cash-Flow Math That Decides
Should you finance inventory or use cash? See the opportunity-cost math on inventory financing cash flow, stock-out costs, and a simple decision rule.