Pharmacies

Specialist solutions for independent and group pharmacies across the UK

What Is Pharmacy Finance?

Pharmacy finance refers to a range of funding solutions tailored to the specific needs of pharmacy businesses. Whether you're purchasing your first pharmacy, expanding your network, refurbishing your premises, or improving cash flow, flexible finance is essential to growth and operational stability.

At The Funding Group, we work with leading specialist lenders in the UK who understand the regulatory, commercial, and financial landscape of the pharmacy sector. We help you access the capital you need — quickly, competitively, and with expert guidance.

Types of Pharmacy Finance

We offer tailored funding solutions for all stages of pharmacy ownership:

Pharmacy Acquisition Loans

Finance to buy an existing pharmacy, acquire a competitor, or purchase a new branch within a group.

Partner Buy-In/Buy-Out Finance

Support for incoming partners or existing owners looking to buy out other shareholders.

Pharmacy Refinance

Unlock equity from your pharmacy, consolidate existing loans, or restructure debts into more manageable terms.

Pharmacy Fit-Out & Refurbishment Finance

Funding for premises upgrades, automation systems, shopfitting, or private consultation rooms.

Working Capital Loans

Support for day-to-day cash flow, staff costs, VAT bills, and stock purchases.

Asset Finance

Spread the cost of equipment such as dispensing systems, robotics, or refrigeration units.

Typical Terms & Key Features

  • Loan amounts: £25,000 to £5 million+

  • Terms: 1 to 10 years depending on loan type

  • Rates: Competitive fixed or variable interest options

  • Repayment structures: Interest-only, capital & interest, seasonal

  • Security: Secured and unsecured options available

  • Approval times: Decisions in days with minimal disruption

We also support NHS-backed pharmacies, private pharmacies, and those with complex ownership structures or previous credit challenges.

Who Can Use Pharmacy Finance?

Pharmacy finance is available to:

  • Independent pharmacists looking to purchase their first or next branch

  • Existing pharmacy owners seeking growth or refinance

  • Group operators expanding regionally or nationally

  • Franchisees of major pharmacy brands

  • Locum pharmacists buying into a practice

  • Pharmacies facing short-term cash flow pressures

We cater to all experience levels — from first-time buyers to experienced multi-site owners.

Benefits of Pharmacy Finance

  • Access capital quickly for acquisitions, refurbishments or operations

  • Improve cash flow and working capital during seasonal fluctuations

  • Invest in technology and automation to streamline operations

  • Grow your pharmacy business without putting pressure on reserves

  • Flexible lending options to suit your business and repayment profile

  • Expert guidance from sector-focused advisers

Why Choose The Funding Group?

At The Funding Group, we understand that running a successful pharmacy involves more than just dispensing. You need funding partners who understand healthcare regulations, NHS contracts, and the unique dynamics of community pharmacies.