Running a pharmacy in Australia means you’re constantly balancing stock levels, staff, regulatory requirements, and the ever-present need for working capital. Whether you’re looking to purchase a new pharmacy, upgrade your fit-out, or simply bridge a cash flow gap, access to fast, reliable funding can make all the difference. Over the years, we’ve advised and assisted borrowers with secured loans for pharmacies, helping them move quickly when opportunity or urgency calls. Secured Lending can help you move fast with a secured loan for pharmacies. Assess your scenario today.
Why Secured Loans Make Sense for Pharmacies
A secured loan is a straightforward way to unlock capital for your pharmacy by leveraging the equity in your residential or commercial property. Unlike unsecured loans, which rely heavily on your credit profile and trading history, a secured business loans is backed by real property. This means you can often access larger amounts, at sharper rates, and with more flexible terms.
For pharmacy owners, this approach offers several clear benefits:
- Fast access to funds: When you need to act quickly—whether it’s to secure a new lease, purchase stock at a discount, or cover an urgent settlement—speed matters. Secured Lending can arrange funding within 24 hours, with same day settlement possible in many cases.
- Certainty and flexibility: With a secured loan, you can structure repayments to suit your cash flow, and use the funds for almost any business purpose—stock purchases, renovations, equipment upgrades, or even to pay out an ATO debt.
- Larger loan amounts: Because the loan is secured against property, you can typically borrow more than with an unsecured facility. This is especially useful for larger pharmacy acquisitions or major refurbishments.
- Competitive rates: Secured business loans generally offer lower interest rates than unsecured options, helping you manage costs and protect your margins.
Real-World Scenarios: How Pharmacies Use Secured Loans
Pharmacies operate in a unique environment. You might need to act on a time-sensitive opportunity, such as acquiring a neighbouring pharmacy or taking over a lease. Or perhaps you’re facing a cash flow gap due to delayed PBS payments or a seasonal dip in trade. Here’s how a secured loan can help:
- Stock purchases: Take advantage of bulk-buy discounts or seasonal promotions by accessing funds quickly.
- Fit-out and renovations: Modernise your pharmacy to improve customer experience and meet regulatory standards.
- Equipment upgrades: Invest in new dispensing technology or point-of-sale systems to streamline operations.
- Bridging finance: Secure a new location or business before your existing property settles with a business bridging loan.
- ATO or supplier payments: Avoid penalties and maintain strong supplier relationships by paying on time.
Secured Lending has facilitated over $500m of loans for urgent settlement needs, including many for pharmacies just like yours.
Bridging Loans: When Timing is Everything
Pharmacy transactions often involve tight settlement deadlines. If you’re buying a new pharmacy before selling your existing one, or need to secure a new premises before your current lease expires, a bridging loan can provide the short-term funding you need. With a bridging loan, you can move forward with confidence, knowing you have the capital to complete the transaction—without waiting for other funds to clear.
Secured Lending specialises in bridging loans for pharmacies, offering fast approvals and funding within 24 hours. We coordinate directly with your solicitor or broker to ensure a smooth, stress-free process.
Why Work with a Private Lender?
Traditional banks can be slow to move, especially when it comes to time-sensitive or non-standard lending scenarios. As a Private Lender in Australia, Secured Lending operates nationwide—serving pharmacy owners in Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank commercial lender, which means we can assess your scenario on its merits and move quickly, without the red tape.
Our approach is simple: review your needs, structure a solution, and arrange funding—often within the same day. We don’t require business plans or lengthy financials. Instead, we focus on the security you can offer and the outcome you need.
How Secured Lending Can Help
We understand the pressures and opportunities that come with running a pharmacy. Whether you’re facing an urgent settlement, a cash flow gap, or a strategic opportunity, our team is here to help you move quickly and confidently. We offer:
- Fast, same day settlement for urgent needs
- Funding within 24 hours for approved scenarios
- second mortgage, bridging loans, and secured business loans tailored to pharmacies
- Clear, direct communication—no jargon, no surprises
- Strategic lending advice based on years of experience with pharmacy finance
We’ve provided strategic lending advice for pharmacies in the past, and can help assess your scenario. If you’re considering your next move, let’s review your options together.
How We Can Help
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1. What types of property can I use as security for a pharmacy loan?
You can use residential or commercial property as collateral. We do not accept other asset types such as vehicles or inventory.
2. How quickly can I access funds for my pharmacy?
We can arrange funding within 24 hours, with same day settlement possible for urgent scenarios.
3. Can I use a secured loan to purchase a new pharmacy or expand my current business?
Yes, secured business loans can be used for acquisitions, expansions, renovations, or working capital.
4. What is the difference between a second mortgage and a bridging loan for pharmacies?
A second mortgage is an additional loan secured against your property, while a bridging loan is a short-term facility designed to cover a funding gap between transactions.
5. Do you operate Australia wide?
Yes, as a private lender and non-bank lender, we provide secured loans for pharmacies across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
