Business Loans for Pharmacies & Health Stores

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

Flexible pharmacy finance made easy

If your pharmacy or health business is looking for a business loan to expand, stock a wider range of medications, upgrade equipment, or hire additional pharmacists and staff, a merchant cash advance can provide the fast and flexible capital needed to grow.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

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Quick Decision with No Obligation

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Boost the financial health of your pharmacy with business funding

According to the General Pharmaceutical Council, there are currently 13,855 registered pharmacies in England, Wales and Scotland. To thrive in this competitive environment, pharmacies often need to quickly adapt, innovate, and find ways to differentiate themselves - this is where a merchant cash advance, a type of unsecured business loan, could help.

Whether you're expanding the pharmacy, purchasing inventory, upgrading equipment, hiring staff or managing working capital, a merchant cash advance can provide the vital capital you need for growth, ensuring that your pharmacy remains competitive.

With pharmacies and health shops often relying on card sales for a substantial portion of their revenue, this funding solution is well-suited as it releases capital against these card sales. And unlike conventional business loans with fixed repayment schedules, these repayments are flexible and align seamlessly with your card revenue.

So, if you're a large pharmacy or smaller, independently-owned health and wellness shop specialising in sports nutrition, we can help you access the quick capital you need. Interested in a fast, hassle-free quote? Complete our simple online application form to see if your business qualifies!

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Quick Decision with No Obligation

Pharmacist accepting credit card payment from customer

A pharmacy business loan can be used for a variety of purposes:

  • Working capital to manage and support day-to-day operating expenses
  • Hire new staff such as pharmacists, technicians, medicine counter assistants and other support staff
  • Opening new pharmacy locations or renovating your existing health and wellness store
  • Emergency funding to help with unexpected repairs and maintenance to equipment and buildings
  • Upgrade existing equipment, such as prescription dispensing systems, to help increase efficiency
  • Building an online health store to reach a wider audience
  • Launch marketing campaigns to promote your services and special offers on products
  • Stock up with a broader range of medications, supplements, vitamins, sports nutrition and other healthcare products
  • Funding to help expand into new complementary health services

Pharmacy business loans are designed to provide financial support and capital to pharmacies and other health-related businesses in the UK. These loans can be used for various business purposes to help you improve and grow, ensuring that your pharmacy or healthcare shop remains competitive.

Here at MLA, we offer a merchant cash advance, a type of business loan where a pharmacy receives a lump sum of capital upfront in exchange for a small portion of its future card sales.

Repayments are tied to the pharmacy's daily card sales. For example, instead of fixed monthly payments like a conventional business loan, an agreed percentage (usually ranging from 10% to 25%) of daily card sales is automatically collected by the lender. This means that on days with higher sales, the repayment amount is higher, and on slower days, it's lower.

How repayments work with a pharmacy merchant cash advance

Merchant cash advances typically have shorter terms compared to traditional loans. There's no 'fixed' term length; your daily card transactions or overall sales revenue will determine the repayment duration. Typically, this flexible repayment model can range from around 4 to 12 months, though this will vary based on your business performance and the agreement between the provider.

The amount your pharmacy business can borrow will depend upon your monthly card revenue and affordability. Generally, you can borrow up to one month's card revenue, so for example, if your pharmacy processes £10,000 a month on card, you can borrow up to £10,000 or more depending on your business.

We offer advances from £3,000 up to £300,000. To find out how much you could qualify for, apply online today!

If you're considering applying for business financing, your pharmacy or health shop will need to meet this minimum criteria:

  • You are a Limited company or soletrader based in the UK
  • You are trading with at least 3 months card payment history
  • You must accept card payments, either in-person via a card terminal or online
  • Your monthly card sales should exceed £3000

If you meet the criteria, don't hesitate to submit your online application today!

Yes, if your pharmacy or health store sells goods online, we can certainly help. Whether you need capital to expand your e-commerce operations, invest in marketing, or manage inventory, our business finance is designed to support all types of e-commerce retail businesses in the health and wellness sector.

Apply now to see how much you can borrow and take your online business to the next level.

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Funding Britains Small Businessses

"We have helped many Pharmacies and Health stores across the UK receive funding to grow"


£20+ Million
Total Funded to Businesses



90%
Application Approval Rate


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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes

1

Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours

2

Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers

3

Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

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Quick Decision with No Obligation

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