--- title: "Business funding for pharmacy — working capital for UK community pharmacy companies" description: "How short-term business finance fits incorporated UK community pharmacy companies — buying dispensing stock up front, the lag on NHS reimbursement, and funding a refit or new equipment. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/pharmacy/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for community pharmacy > How short-term business finance fits incorporated UK community pharmacy companies. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 22 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Where community pharmacies hit a cash gap Community pharmacy operates on tight margins with a significant NHS reimbursement lag: - **Dispensing stock bought up front** — drug wholesalers invoice immediately; NHS reimbursement arrives monthly in arrears, weeks after dispensing. - **Drug price fluctuations** — sudden price increases mean the pharmacy pays more now than it will eventually be reimbursed. - **Category M and concession pricing** — prices are set retrospectively; the pharmacy must hold stock at the price paid today. - **Refit and compliance** — a GPhC inspection or expansion requires premises spend before income reflects the improvement. - **OTC and retail stock** — over-the-counter and front-of-house stock is a cash investment between purchase and sale. - **Locum and staffing cover** — dispensing requires qualified staff; locum cover is paid upfront when a regular pharmacist is absent. ## The finance that tends to fit Three shapes of short-term credit — see [Products](https://creditcorp.co.uk/products/) for detail. - **A single, known cost — Business Bridging Loan.** A fixed lump sum — a refit, a specific equipment purchase, a large drug buy for a seasonal surge. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge the NHS reimbursement lag; draw when wholesaler invoices fall due, repay when the monthly NHS payment arrives. - **One supplier bill to spread — Credicorp Slice.** Settles a single wholesaler invoice in full today; your company repays over a few weeks for a flat fee. ## The company borrows — not you With Credicorp the agreement is between the lender and your **company**, so: - **No personal guarantee** — the director does not underwrite the debt. - **No charge over your home** — nothing is secured against where you live. - **No personal credit check** on the director's own file. Only bodies corporate — UK limited companies, LLPs and PLCs — are eligible. A sole-trader pharmacist is not eligible. ## Community pharmacy — common questions **Can a limited-company pharmacy borrow without a personal guarantee?** Yes. Credicorp lends to the company — your UK limited company, LLP or PLC — not to the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director. **We buy dispensing stock now but NHS reimbursement arrives four weeks later. Can we bridge that?** Yes. A Credicorp Flex facility is designed for this: draw when the wholesaler invoice falls due, repay when NHS payment arrives, and repeat each cycle, paying interest only on the drawn balance. **We need to refit to meet GPhC requirements. What fits?** A defined refit cost fits a Business Bridging Loan — a single lump sum, a short fixed term, repaid as trading income covers it. **Where do we actually apply?** On the operating lender's own site, [credicorp.co.uk](https://credicorp.co.uk/). This page is the Creditcorp brand front door and does not take applications. ## Related sectors - [Healthcare](https://creditcorp.co.uk/industries/healthcare/) - [Dental](https://creditcorp.co.uk/industries/dental/) - [All industries](https://creditcorp.co.uk/industries/) ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).