Pharmacy Mortgages


Pharmacy Mortgages

At Alpha Capital, we understand the importance of providing pharmacists and aspiring pharmacy owners with the necessary information, financing options, and support to successfully open, start, and finance their pharmacy businesses. Whether you’re a qualified pharmacist or already own a pharmacy, we can help you achieve your goals in the pharmacy sector.

  • Funding based on Freehold & Goodwill practices
  • Standard & 100 Hours sites acceptable
  • Up to 85% Loan to Value on Leasehold sites
  • Apply from £50,000 to £25,000,000
  • Fixed rate and Variable rate options available
  • Terms from 1 – 25 years
  • Lender arrangement fees can be added to loan
  • Margins starting from 2% over Base Rate


Financing Solutions for Your Pharmacy Business:

Purchasing a Pharmacy: If you’re looking to acquire an existing pharmacy, we offer financing solutions tailored to meet your specific needs. Our team of experts can guide you through the process and help you secure the necessary funds.

  • Refurbishment Funding: Is your pharmacy in need of a renovation? We provide financing options to support the refurbishment and modernization of your pharmacy, ensuring that it meets the highest standards and remains competitive.
  • Specialist Equipment/Technology Asset Finance: Stay ahead in the ever-evolving pharmacy landscape with the latest equipment and technology. Our financing solutions can help you acquire the necessary equipment and technology to enhance the efficiency and effectiveness of your pharmacy operations.
  • Equity Purchase: If you’re considering buying equity in a pharmacy, we can assist you in securing the financing required for this investment opportunity. Our team will work closely with you to structure a deal that aligns with your financial goals.
  • Tax Funding: Managing taxes is crucial for any business. We offer tax funding solutions to help you meet your tax obligations while maintaining the smooth operation of your pharmacy.
  • Commercial Mortgages: Need funding for your pharmacy property? Our commercial mortgage options are designed specifically for pharmacists, offering competitive rates and favorable terms to help you secure the property you need.


Why Choose Alpha Capital for Pharmacy Financing?

  • Banks’ Attitude towards Pharmacy Sector: Banks generally view the pharmacy sector as relatively low risk and a good investment. With our industry expertise and established relationships with lenders, we can help you navigate the financing landscape and connect you with banks that understand the unique needs of pharmacists.
  • Increased Demand for Pharmacies: The demand for pharmacies has significantly increased in recent years, especially during the COVID-19 pandemic. Pharmacies have proven to be essential businesses that provide vital services to local communities, including participating in vaccination programs. This increased demand has also positively influenced pharmacy goodwill values.
  • Starting vs. Buying a Pharmacy: We understand that both starting a pharmacy from scratch and buying an existing business have their pros and cons. Our team can help you evaluate your individual circumstances and guide you in making the best decision for your career and financial goals.
  • Setting up a Pharmacy: If you choose to start a pharmacy from scratch, we can assist you in navigating the costs involved, such as rental agreements, NHS contracts, premises registration fees, and any necessary planning fees. Our experts will provide the support you need to establish your pharmacy business successfully.
  • Pharmacy Registration Process: Registering a pharmacy requires a thorough understanding of the application process and regulatory requirements. We can guide you through the process, from making an application to the local NHS team to registering your pharmacy premises with the General Pharmaceutical Council.
  • Building Your Team of Advisors: Assembling a team of expert advisors is crucial for your pharmacy business’s success. We can connect you with professionals experienced in pharmacy finance, legal matters, real estate, insurance, and more. Our network of advisors will provide you with the guidance you need to make informed decisions.
  • Finding the Optimum Location: Location plays a vital role in the success of any retail business, including pharmacies. We can help you evaluate potential locations based on factors such as customer traffic, visibility, access, and proximity to other businesses. Our expertise will assist you in selecting the best location for your pharmacy.
  • Financing Options and Support: We offer a range of financing options tailored to pharmacists’ needs, including acquisition financing, commercial mortgages, and tax funding. Our team of financial experts will work closely with you to understand your specific financial requirements and provide you with the most suitable financing options.
  • Business Planning and Financial Projections: To secure financing for your pharmacy business, it’s essential to have a comprehensive business plan and financial projections. Our team can assist you in developing a strong business plan that highlights your goals, strategies, and market analysis. We can also help you create accurate financial projections that demonstrate the viability and profitability of your pharmacy venture.
  • Pharmacy Valuation Services: If you’re looking to sell your pharmacy or acquire an existing one, determining its value is crucial. Our valuation services can provide you with an accurate assessment of the pharmacy’s worth based on various factors such as goodwill, assets, financial performance, location, and market conditions. This information is valuable for both buyers and sellers in negotiating fair deals.
  • Expert Guidance and Industry Knowledge: Alpha Capital has extensive experience in the pharmacy sector and a deep understanding of the challenges and opportunities it presents. Our team of experts stays up-to-date with the latest industry trends, regulations, and financial practices, ensuring that you receive informed guidance throughout the financing process.
  • Personalized Service and Relationship-Based Approach: We pride ourselves on delivering personalized service to each client. Our relationship-based approach means that we take the time to understand your unique needs and provide customized solutions that align with your goals. We aim to build long-term relationships with our clients and support them throughout their pharmacy journey.
  • Confidentiality and Professionalism: At Alpha Capital, we prioritize confidentiality and professionalism. We understand that sensitive information is involved in pharmacy financing, and we take strict measures to protect your data and maintain the highest level of professionalism in all our interactions.

Best Pharmacy Mortgages

If you’re ready to explore financing options for your pharmacy business or seek expert guidance in the pharmacy sector, contact Alpha Capital today. Our team is dedicated to helping pharmacists and pharmacy owners achieve their financial goals and succeed in the dynamic pharmacy industry. Together, we can navigate the complexities of pharmacy financing and set you up for long-term success.

Alpha Capital, Your Trusted Business Partner

Alpha Capital is a Commercial Finance Broker and not a Lender.

Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.

Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting www.fca.org.uk/register. Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.

We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.’