Pharmacy Sector

Pharmacies are at the heart of high street healthcare, and we understand the complex pressures facing this sector.

Our tailor-made products and services can help your business to reduce these pressures and achieve financial objectives.

Pharmacies play an essential role in promoting wellbeing and health in communities across the country. It’s no secret that the UK Government sees them as an important way of improving the range of health services accessible to the public on the high street.

Managing your day-to-day finances

With the unpredictable nature of payments from the NHS Prescription Pricing Division, pharmacies often need specialist cashflow help. We offer invoice finance to unlock the value of your NHS FP34cs, and can forward up to 90% of the value of those invoices within 24 hours. The remaining value, less a service fee*, would be paid to you once your customer pays.

*Service fee is quoted either as a percentage of the volume of invoices submitted for financing, or as an annual flat fee which is charged monthly on a pro-rata basis.

All lending is subject to status and our lending criteria. The right to decline any application is reserved.

Helping UK high street pharmacies to prosper

pharmacy offering advice

What you can expect from us

  • An understanding of the pressures facing pharmacies
  • An appetite to help businesses grow
  • A commitment to building long-term relationships and understanding the needs of your business
  • Dedicated Relationship Directors provided through our growing network of regional banking centres.

​​​​​​Products and services

  • Tailored current accounts for pharmacies and high street chemists 
  • Online banking with access to your account at around 11,500 Post Office branches nationwide
  • Cashflow solutions like overdrafts and term loans
  • Invoice finance to unlock the value of NHS prescription businesses.

Note: Overdraft facility is available to Business Current Account-holders. Overdrafts and loan applications are subject to status and terms and conditions. The right to decline any application is reserved.


Available to

All high street and pharmacy businesses from single site operations to larger chains.


Brighton-based pharmacy chain expands

Brothers Colin, Tony and their sister Fiona Dang purchased their first pharmacy in Coombe Road, Brighton at the beginning of 2015 with the help of £385,000 from Santander.

Realising your expansion plans

We look to support your growth ambitions through acquisition loans, whether you’re a first-time buyer of a high street pharmacy business or large chain.

If you’re looking to buy equipment or fit your premises with specialised installations, we can draw on our asset finance expertise to help meet your needs.


Protecting your money - Financial Services Compensation Scheme (Opens in a new window)