I co-founded a pharmacist staffing service in 2001 and owned an independent compounding pharmacy from 2007 to 2017. Payroll to make, inventory to carry, PBM contracts to survive.
My books were how I saw the squeeze coming while the bank account still said everything was fine — in time to do something about it. That's the standard I build for my clients. And I still practice as a pharmacist today, so I'm not describing your world from memory.