Pharmacy Business Loans
Get up to £6000 funding within 24-48 hours
Get fast, flexible funding for your pharmacy with a Merchant Cash Advance. Stock up, upgrade equipment, and expand services without fixed monthly payments.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Pharmacy Business Loans
Finding the right funding option is essential for pharmacy owners. Here are five loan types designed to help you grow your business.
1. Merchant Cash Advance (MCA)
Get upfront funding based on your future card sales. Repay a percentage of daily transactions, making it ideal for seasonal or fluctuating revenue.
2. Equipment Financing
Purchase or lease pharmacy equipment like dispensing systems or refrigeration units. Fixed payments make it easy to budget and plan.
3. Short-Term Loans
Need quick cash for restocking or seasonal demand? Short-term loans provide the funds you need with clear, fixed repayment terms.
4. Business Lines of Credit
Access flexible funds up to a set limit. Pay interest only on what you use, making it great for handling unexpected expenses or cash flow gaps.
5. SBA Loans
Government-backed, low-interest loans ideal for larger investments like facility upgrades or expanding your pharmacy’s services.
Comparison Table: Types of Restaurant Loans
| Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
|---|---|---|---|---|
| Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or variable sales |
| SBA Loans | Weeks/months | Yes | Fixed monthly payments | Low-risk, long-term projects |
| Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing new equipment |
| Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Handling cash flow gaps |
| Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses or growth |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.
How a Merchant Cash Advance (MCA) Works
A Merchant Cash Advance provides upfront funding based on your pharmacy’s future card sales. Repayments are automatically deducted from your daily card transactions, making it a flexible solution for pharmacies that experience seasonal or fluctuating sales.
Benefits of Merchant Cash Advances for Pharmacy Business
Merchant Cash Advances (MCA) provide Pharmacy Business with a fast, flexible, and hassle-free funding solution tailored to their unique needs. Whether you’re expanding, upgrading equipment, or managing seasonal cash flow, an MCA offers several advantages:
Flexible Repayments – Aligned with Your Sales
Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.
Compatible with Your Card Machine
No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Pharmacies Business Loan
Flexible Funding to Help Your Pharmacy Grow
The UK pharmacy market is thriving, valued at over £22 billion annually, with continued growth in health and wellness services. As more people rely on pharmacies for essential health services, staying competitive is vital. A Merchant Cash Advance provides pharmacies with the flexible funding they need to meet customer demands, invest in new technologies, and expand services. With repayments tied to your daily card sales, you can focus on what matters most delivering exceptional care to your community without worrying about fixed monthly payments.
FAQs About Merchant Cash Advances for Pharmacy Business
You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.
Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.
You can use the funding for stock, equipment, renovations, marketing, or operational expenses.
The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
