Asset financing and revolving credit facilities for pharmacies

Grow your pharmacy and reduce cashflow challenges

Join the pharmacies using our specialist financing to upgrade their facilities and ease cashflow challenges.

Designed for both independent pharmacies and pharmacy groups, it enables your business to preserve - and even increase - the working capital in your business, while investing for growth.

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Pharmacy Robots | Interior Fit-Outs | EPOS Systems | Dispensing Equipment | Working Capital Facilities

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Without finance

• Most working capital must be retained for cashflow reasons
• Difficult to hire new staff without making cuts elsewhere
• Limited capital available for facility upgrades and business growth
• Cashflow strain from NHS payment delays

With Bluestone Pharmacy finance

• Upgrade to the latest automation technology, without significant upfront outlay
• Access the funds from your NHS payments, before the NHS makes them
• Make the decisions needed to grow your business faster, without cashflow worries
• Become more nimble and efficient as a business, with more working capital available to make changes fast
• Commence fit-out projects faster, with greatly reduced financial pressure

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How one pharmacy is using Bluestone finance

We structured an asset finance and revolving capital facility deal for this pharmacy, which enabled it to take advantage of…

Complete pharmacy fit-out

Greatly enhancing staff and customer experience, and preparing the business for further growth.

‍Total financed via asset finance: £157,288

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Dispensing robot purchase

Enabling more customers to be processed, more quickly, for increased potential sales.

‍Total financed via asset finance: £35,100

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Cashflow enhancement

Mitigating NHS payment delays, and increasing working capital for continued growth investment.

‍Total financed via asset finance: £500,000

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When you finance your pharmacy with Bluestone, you'll benefit from...

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_{Retaining your working capital}

Upgrade facilities and increase automation without drawing down cash reserves

_{100% tax relief on capital and interest}

^‍Finance can unlock significant tax savings not available when purchasing outright. In some cases, spread VAT payments across repayments rather than paying upfront.

_{Access the latest technology and automation}

Including pharmacy robots, EPOS upgrades, dispensing equipment and fit-outs

^{A revolving credit facilty}

Acts like an overdraft, and grows with your pharmacy. Draw funds only when you need them, and pay only for what you use.

_{Fixed, predictable monthly repayments}‍

Protect your pharmacy from unpredictable cashflow caused by payment delays or fluctuating pricing.

_{A bespoke, consultative approach}

Bluestone's specialists understand pharmacy - from NHS payment cycles to automation - and wrap multiple assets into a single bespoke solution.

With Bluestone, finance your complete pharmacy project - including hardware, surveys, installation and other project costs - and get all these benefits without significant one-off capital expenditure

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