March 13, 2026
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Best Asset Finance Lenders for Pharmacies

Discover the best asset finance lenders for pharmacies in the UK. Compare lending options, rates, and terms to find the right finance solution for your pharmacy business.
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Best Asset Finance Lenders for Pharmacies
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Asset Finance Lenders for Pharmacies

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-13.

1. Funding Agent

Funding Agent focuses on offering unsecured business loans and working capital solutions to UK SMEs through a fast and simple application process. It is typically suitable for businesses seeking quick access to finance with predictable terms and no collateral. The provider emphasizes speed and transparency, helping clients explore a variety of loan options aligned with their needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Braemar Finance

Braemar Finance offers tailored and tax-efficient finance products primarily aimed at both personal and business clients across the UK. It is generally suited for professionals and SMEs requiring flexible lending solutions, including asset finance and term loans. The provider balances tailored options with a more traditional approach, which may involve longer processing times.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £250,000
  • Min APR: 5.9%
  • Max APR: 18.9%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Asset Finance, Term Loans
  • Industries: Healthcare, Professional Services

Pros

  • Tailored finance options
  • Widely trusted

Cons

  • Limited online presence

Sources: Source

3. Gable Asset Finance

Gable Asset Finance provides specialised finance options across multiple UK industries, with a focus on supporting small business growth. It is suitable for businesses seeking tailored asset finance or business loans with flexible repayment choices. The provider offers sector-specific approaches that may influence approval speed and loan structuring.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: 1–5 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Loans
  • Industries: Construction, Manufacturing

Pros

  • Competitive rates
  • Sector-specific solutions

Cons

  • Longer approval times

Sources: Source

4. Sterling Commercial Finance

Sterling Commercial Finance delivers a variety of business finance solutions aimed at UK SMEs, offering advice and tailored loan products. It is generally suitable for clients requiring asset finance and commercial lending with professional guidance. The provider’s approach includes consideration of borrower needs and collateral requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 4%
  • Max APR: 25%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Commercial Loans
  • Industries: Healthcare, Property

Pros

  • Wide range of finance types
  • Expert advice

Cons

  • Documentation requirements

Sources: Source

5. Rangewell

Rangewell operates as a finance broker providing extensive comparisons of asset and business finance across the UK market. It is suitable for SMEs looking for a broad view of lending options, including pharmacy businesses. The provider offers access to multiple lenders, supporting flexibility but often involving brokerage arrangements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 19.9%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Unsecured Business Loans
  • Industries: Pharmacy, SMEs

Pros

  • Comprehensive lender mapping
  • Transparent comparison

Cons

  • Brokerage fees involved

Sources: Source

6. MAF Finance Group

MAF Finance Group delivers tailored asset and invoice finance solutions across multiple sectors in the UK, with a strong emphasis on business growth. It suits businesses requiring flexible finance with specialised support and higher lending amounts. The provider’s offerings include a variety of repayment types and industry-specific products.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 3 months to 5 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance, Property Finance
  • Industries: Construction, Manufacturing

Pros

  • High loan amounts offered
  • Industry specialists

Cons

  • High documentation requirements

Sources: Source

7. Funding Pool

Funding Pool is a UK finance broker helping small and medium-sized businesses secure finance quickly at competitive rates. It suits those needing flexible terms and a range of loan products, including asset and invoice finance. The brokerage approach provides access to multiple lenders but may include brokerage fees.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 4%
  • Max APR: 15%
  • Loan Duration: 1 month to 5 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: Farming, Dentistry

Pros

  • Fast approval times
  • Flexible terms

Cons

  • Higher interest rates for larger loans

Sources: Source

8. Union Business Finance

Union Business Finance brokers business and commercial loans tailored for SMEs in various sectors. It is appropriate for businesses seeking larger loan amounts with structured repayment plans. The provider offers support across multiple finance types and includes considerations for collateral and business growth.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Expansion Loans
  • Industries: Real Estate, General Business

Pros

  • Wide range of loans
  • Experienced broker support

Cons

  • Collateral required for large loans

Sources: Source

9. Samera

Samera focuses on providing finance solutions specifically for healthcare professionals in the UK, including dental and medical practices. It is suited to businesses needing specialised finance with flexible options for working capital and asset finance. The company emphasises sector knowledge and adaptable borrowing terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 6.5%
  • Max APR: 18.5%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Working Capital Loans
  • Industries: Healthcare, Dentistry

Pros

  • Healthcare-focused
  • Flexible borrowing options

Cons

  • Restricted to healthcare

Sources: Source

10. Hall Asset Finance

Hall Asset Finance offers comprehensive asset finance solutions focused on the UK business market across multiple industries. It is generally well suited for businesses requiring leasing and asset finance with clear loan terms. The provider supports flexible finance structures and has a targeted approach to client service.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5%
  • Max APR: 22%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Leasing
  • Industries: Construction, Hospitality

Pros

  • Comprehensive asset finance options
  • Strong client focus

Cons

  • Niche service offering

Sources: Source

How to choose

When selecting asset finance lenders for pharmacies, consider loan size and APR that match your budget and operational needs. Evaluate eligibility criteria carefully, including any security or collateral requirements. Prioritise flexibility in repayment options and speed of funding based on your pharmacy’s cash flow cycles. Brokered providers may offer broader access to lenders but can add fees. Review lender policies on early repayments and fees before committing. Ensure the lender’s experience with pharmacy businesses to align with sector-specific needs.

Conclusion

Choosing the right provider depends on your specific financing needs. Banks and specialist lenders may offer structured loans suited for asset-backed borrowing. Brokers provide access to wider markets but can increase costs through fees. Funding Agent is suitable for SMEs seeking quick comparisons across multiple options. Always confirm up-to-date costs and terms with lenders when considering a 200 thousand pounds loan or similar financing.

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FAQs

What is asset finance for pharmacies?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Braemar FinanceBraemar Finance provides a range of tailored, tax-efficient finance products for both personal and business use, particularly for professions in the UK.£1,000–£250,000; 5.9%–18.9% APR; Unknown
3Gable Asset FinanceGable Asset Finance specializes in providing finance options for a variety of industries in the UK, focusing on small business growth and expansion.£5,000–£250,000; 6%–20% APR; 1–5 years
4Sterling Commercial FinanceSterling Commercial Finance offers business finance solutions tailored to SMEs, providing expert advice and comprehensive finance options across the UK.£10,000–£500,000; 4%–25% APR; 3–60 months
5RangewellRangewell acts as a finance broker, offering extensive comparisons of business and asset finance products across the UK with unique lender mapping.£1,000–£500,000; 6%–19.9% APR; 3–60 months
6MAF Finance GroupMAF Finance Group offers tailored finance solutions across various sectors in the UK, specializing in asset finance and business growth support.£10,000–£2,000,000; 5%–20% APR; 3 months to 5 years
7Funding PoolFunding Pool is a UK-based finance broker assisting small to medium businesses in acquiring necessary finance quickly with competitive interest rates.£10,000–£750,000; 4%–15% APR; 1 month to 5 years
8Union Business FinanceUnion Business Finance brokers business and commercial loans tailored to meet the needs of small and medium enterprises in various sectors.£10,000–£5,000,000; 7%–20% APR; 12–60 months
9SameraSamera specializes in providing finance solutions for healthcare professionals across the UK, particularly focusing on dental and medical practices.£5,000–£250,000; 6.5%–18.5% APR; 6–60 months
10Hall Asset FinanceHall Asset Finance specializes in providing comprehensive asset finance solutions for a variety of businesses, with a strong focus on the UK market.£5,000–£500,000; 5%–22% APR; 6–72 months
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