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Pharmacy finance

We offer pharmacy Loans, Leasing and Hire Purchase products. Our team of specialists understand the financial challenges and opportunities in the pharmaceutical sector.


of Pharmacists have successfully applied for a Bounce Back Loan (BBL)*


of Pharmacists have had to make ‘special arrangements’ to prepare for the UK’s exit from the EU*


of Pharmacists will only agree to see a client if they can produce evidence they have been vaccinated*

*Braemar Finance Business Barometer


Pharmacy finance designed to help your business succeed

We provide pharmacy loans that are designed to assist with the growth and development of your business. You may need assistance with the acquisition or relocation of a practice, a shop fitting revamp, or additional dispensing units. Perhaps you need funding for a consultation area or simply a loan to assist with your tax bill.

Pharmacy finance agreement types

Our range of Leasing, Hire Purchase and Loan products allow for fixed monthly repayments enabling you to budget with confidence whilst enhancing your cash flow.

    Hire Purchase allows outright ownership of the asset and enables you to spread the cost over a term that suits you.

    • Expenditure may be allowable against taxable profit within your Annual Investment Allowance in the year of purchase to the sum of £1,000,000
    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • Interest charges can be offset against profits for taxation
    • Outright ownership on completion of the agreement

    If you want to maximise the use of your equipment without the responsibility of owning it, leasing will give you the freedom and flexibility you need.

    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • No upfront deposits required
    • Protection of existing credit lines, making any further borrowing easier
    • Fixed payments - tailored to suit your individual circumstances
    • Tax efficient - repayments may be offset against taxable profit
    • Up to date equipment - be ahead of your competitors

    Tax loans permit you to spread the cost of your tax demand into affordable monthly payments.

    Benefits of a tax loan:

    • Control of cash flow
    • Fixed monthly payments
    • Faster Payments
    • Protects existing bank facilities
    • Quick and simple to arrange
    • Flexible repayment terms
    • HMRC receives funds on time

    A personal loan is a form of borrowing that can be used for virtually any purpose which is both easy and convenient and allows you greater flexibility.

    Personal loans can be used for purposes such as:

    • Tax bill funding
    • School fees
    • Home improvements
    • Weddings
    • Holidays

    If you have a number of existing agreements, credit card balances and other regular finance overheads, a consolidation loan may be the way forward.

    Benefits of consolidation and refinancing:

    • Combines finance commitments
    • One monthly payment
    • Over a term to suit
    • Simplifies cash flow
    • Improved budget control

    VAT loans allow you to spread the cost of your tax liability into affordable monthly payments.

    Benefits of a VAT loan:

    • Take the pressure off working capital
    • Smooth cash flow peaks and troughs
    • Fixed monthly payments
    • Quick and simple to arrange
    • Can be paid directly to HMRC

    When buying into or starting up a new business, you may need to borrow funds to support the purchase or invest in renovation.
    Business loans can be used for:

    • Acquisition finance
    • Refurbishment projects
    • Capital injection / release
    • Buy in / buy outs

    Typical uses for finance in the pharmacy profession

      Our pharmacy equipment finance products can be used to obtain profession specific equipment necessary for your business. We can deal directly with suppliers on your behalf, allowing you to concentrate on your daily business.

        We can finance equipment such as:

        • Refrigeration units
        • Display units
        • Weight scales
        • Secure drug cabinets
        • Dispenser counters
        • Security systems

        Our IT finance solutions ensure that the applicable tax advantages are taken into consideration when looking at the funding you require. All related costs can be combined under one agreement, offering easier management of your cash flow.

          IT finance can be used for:

          • Updating hardware / software
          • New monitors, keyboards and mice
          • Scanners / photocopying machines
          • Tablets and iPads
          • Operating licences and renewals
          • IT system installation
          • Training
          • Maintenance

          When your business needs a front office or a public practice area to accommodate your clients or patients it is often necessary to invest in renovations which incorporate designs and shopfitting to meet with the demands of your business.

            Shopfitting finance can be used for:

            • Bespoke units
            • Consultation rooms
            • Counter designs
            • Dispensary
            • Display units
            • Prescription medicine area
            • Shop front and signage

            We are experienced in all aspects of new and used vehicle finance. We can help you upgrade your existing vehicle, buy an additional car or a fleet for your business and we can provide a finance package, incorporating balloon payments or refinancing, whatever your circumstances require.

            Vehicle finance can be used for:

            • Change of existing vehicle
            • Buying a second car
            • Purchase of a classic car

            Contact us today

            Our team of finance specialists will offer you the most tax efficient finance solution available, taking into consideration your individual circumstances. Get in touch today to find out how we can help you.

            Get in touch

            Pharmacy finance client testimonials

            I’ve always had a professional and consistent service with competitive rates of finance.

            I have used Braemar Finance on numerous occasions and have always found them to be open, responsive and willing to tailor their service to my individual needs.

            Excellent service, I have been dealing with Braemar Finance for 20 years and had no problems.

            A company who provides a genuinely individualised service for their customers.

            Braemar Finance have been extremely supportive, and we are very pleased with the service and support we have received. I could not recommend them highly enough.