Business finance
Business Loans For Chemists & Pharmacies
Working capital, equipment, and growth finance for chemists & pharmacies — matched to your revenue and time trading, not a generic credit score.
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How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for chemists & pharmacies and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for rooms, equipment, and fit-out as your practice grows.
- Working capital to smooth the gap between service and payment or rebate.
- One application across lenders that understand health-practice income.
How it works
Simple next steps
- 1Tell us what you need to fund and your practice's trading history.
- 2We match it to lenders comfortable with health and care revenue.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Chemists & Pharmacies
Pharmacy finance is usually about stock, fit-outs and reimbursement lag. A refurbished retail floor, a robotic dispensing unit, a new vaccination room or simply a fuller stockholding can run to the ~$65,000 mark or well beyond. Because you fund PBS stock before reimbursements arrive, a working-capital line smooths the gap so a slow claim cycle never leaves the till short.
Common questions
Chemists & Pharmacies — business loan questions
Can finance cover slow PBS reimbursements?
Yes. A working-capital facility is built for exactly this — bridging the gap between paying wholesalers and receiving PBS and program reimbursements. Cockatoo helps match you to a lender that understands pharmacy cash cycles.
Can I fund a dispensary robot or a shopfit?
Often yes. Dispensing automation, shelving and refrigeration can go on equipment finance, while a separate line covers stock. Showing steady script volumes usually strengthens the application.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.