Pharmacies · Ireland
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.
For stock purchases, supplier payments and running costs.
For refurbishment, dispensary equipment and business investment.
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.
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.
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.
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.