Pharmacy Finance
Pharmacy cash flow is shaped by dispensing cycles and NHS reimbursement timing in ways that general lenders often don’t account for properly. PLC structures funding for acquisitions, refits, and working capital in terms that lenders who understand the sector can assess accurately.
Who This Is For
This page is relevant if you are:
- A pharmacist acquiring a pharmacy
- A partner joining or exiting a pharmacy business
- A pharmacy owner managing tax or cashflow
- A pharmacy investing in refurbishment, systems or growth
What We Arrange
- Acquisition support
- Working capital and cashflow smoothing
- Refit and premises investment
- Equipment and technology finance
- VAT and tax facilities where relevant
Common Uses Of Finance
Solicitors commonly use practice finance for:
- Pharmacy acquisition
- Partner buy-in or buy-out
- Corporation tax or VAT liabilities
- Working capital and cashflow support
- Investment in premises or refurbishment
HOW THE PROCESS WORKS
Initial discussion
We discuss your objectives, ownership structure and income mix. This initial conversation does not impact your credit score.
Review of information
We review accounts, NHS income, private income and existing commitments.
Lender matching
We approach lenders experienced in pharmacy finance and regulated healthcare businesses.
Completion
Once terms are agreed, funding is documented and completed.
Typical Amounts And Terms
- £10,000 to £500,000+
- Terms from 12 months to 7 years
- Often unsecured or semi-secured
- Personal guarantees may be required
What Lenders Look For
- Stability of NHS income
- Overall profitability and cashflow
- Ownership and partnership structure
- Existing borrowing and commitments
Documents Typically Required
- Latest full accounts
- NHS income statements
- Management figures (if available)
- Details of acquisition or funding purpose
Risks And considerations
- Personal guarantees may be required
- Early repayment charges may apply
- Interest rates vary depending on structure and risk
- Some lending is unregulated
Frequently Asked Questions
Get answers to the most common questions about our practice finance solutions, application process, and tailored funding options for professional practices.
Can pharmacy acquisitions be funded?
Yes — subject to the transaction profile, dispensing volume, and underwriting. NHS contract status is a key factor.
Do you fund refits?
Yes, typically as a practice loan structure. Equipment can be layered via asset finance where appropriate.
Can working capital be arranged?
Yes — subject to lender criteria.
Do you charge upfront fees?
No.
Is security required?
Many facilities are unsecured; requirements depend on lender and purpose.
How quickly are decisions made?
Often within 24–48 hours once the pack is complete.
Can tax and investment be combined?
Yes — typically as separate facilities where affordability supports it.
Is GGS available for pharmacies?
Often yes for eligible businesses — speak to PLC to confirm.
Can we involve our accountant?
Yes — we are adviser-friendly. Your accountant can stay involved at whatever level suits.
What documents are needed?
Accounts, bank statements and details of the requirement.
Is approval guaranteed?
No — subject to lender assessment and eligibility.
Is this regulated advice?
No — process explanation only.
Grow Your Practice with Confidence
Speak to a specialist who understands pharmacy finance. A short initial conversation will confirm whether funding is suitable.
