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Pharmacies · Ireland
Pharmacy
business loans.
Stock purchases, wages and supplier bills can put pressure on cash flow before sales catch up. We arrange finance for pharmacies looking to buy stock, improve their premises or invest in equipment.
Stock & working capital loans
For stock purchases, supplier payments and running costs.
- Unsecured term loans from €5,000 to €500,000
- Fixed monthly repayments for established pharmacies
- From 12 months trading with one year’s accounts
- Flexible repayment loans from 9 months trading
Pharmacy fit-out & equipment
For refurbishment, dispensary equipment and business investment.
- Hire purchase or leasing on suitable equipment, up to 7 years
- Term loans for fit-out and refurbishment costs
- New and used equipment considered
- We can start with a supplier quote or a discussion of your plans
Finance is subject to the lender’s assessment. Unsecured term loans require at least 12 months trading, one year’s accounts, turnover of €100,000 or more, a net profit and no recent missed payments. Flexible repayment loans require steady cash flow — around 8 or more deposits a month. Loans are not registered against property or business assets, but many lenders ask for a director’s personal guarantee.
Guides for your industry
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
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16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
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21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
Common questions
Can I use a business loan to buy pharmacy stock?
Yes — a term loan can fund stock purchases and working capital. We will look at your cash flow and supplier payment cycle when comparing repayment options.
Can I finance dispensary equipment or a refurbishment?
Suitable equipment may qualify for hire purchase or leasing. A broader refurbishment can be considered for a term loan, subject to the lender’s assessment.
Does an unsecured loan require a personal guarantee?
Many lenders ask for a director’s personal guarantee even though the loan is not registered against property or business assets. We will explain each lender’s requirements before you apply.
Free to you. Lenders pay us a commission when your loan completes. How we get paid