Whether you're buying your first pharmacy, expanding a dispensary, or refinancing an existing site โ we work with lenders who understand PBS revenue, script volume, and pharmacy goodwill as real security.
No obligation โ tell us about your pharmacy finance need.
Pharmacies are valued on script volume, PBS revenue, location exclusivity, and dispensary goodwill โ not just bricks and mortar. Most bank lenders don't assess these correctly, which is why many pharmacists are told to put their home on the line.
Specialist lenders count your PBS dispensing income as stable, government-backed revenue โ far more predictable than many other businesses.
Script volume, patient loyalty, approval-in-principle location exclusivity โ lenders in our panel assess these as real collateral, without requiring your home.
Multiple pharmacy ownership rules, TGA compliance, and PBS approval structures are things most brokers have never dealt with. We have.
Buying into a Chemist Warehouse, Priceline, or Terry White franchise? Or an independent? We structure finance around the actual acquisition format.
Finance structured around how pharmacies are actually valued โ dispensary goodwill, PBS income, script volume, and your professional standing.
Finance up to 100% of the purchase price โ including goodwill, stock, and fit-out โ using dispensary assets as security rather than your home.
Modernise your dispensary, expand your retail floor, or add a consultation room. Fast approval with terms structured to match your cash flow.
Manage PBS payment cycles, seasonal stock builds, or supplier credit terms without putting pressure on your daily operation. Revolving facilities available.
Own the property your pharmacy operates from. Specialist lenders understand the value of pharmacy-zoned commercial premises and leasehold positions.
Purchase your pharmacy's commercial property through your SMSF โ a powerful wealth-building strategy for established pharmacists with superannuation.
Fund dispensing robots, medication management systems, refrigeration, or point-of-sale upgrades with equipment finance that keeps capital free for operations.
Specialist lending built for registered pharmacists at every stage โ from first purchase to portfolio expansion.
Pharmacists buying their first pharmacy โ independent, leasehold, or franchise sites
Existing pharmacy owners expanding โ adding a second or third site, or buying out a co-owner
Pharmacists buying into a franchise group โ Chemist Warehouse, Priceline, Terry White, Amcal, Blooms
Pharmacy owners refinancing โ getting a better rate or releasing equity in existing goodwill
Pharmacists purchasing their premises โ via SMSF or commercial property loan
Graduates or newly registered pharmacists โ looking to own a practice earlier in their career
Not sure if you qualify? Let's talk โ even complex situations have solutions.
We've made it straightforward โ focus on finding the right pharmacy, not drowning in paperwork.
Tell us about your situation โ what you want to buy, your timeline, and any concerns. No cost, no obligation.
We design a loan structure around your specific pharmacy โ loan amount, term, rate type, and entity structure.
We move quickly with specialist healthcare lenders who understand pharmacy deals โ so you don't lose the right site.
We guide you through to settlement and remain your finance partner as your pharmacy grows.
We don't offer generic broking. We understand pharmacy โ the PBS cycles, the script volume metrics, the goodwill structures, and what specialist lenders are really looking for.
We understand how lenders assess pharmacy applications โ PBS revenue, dispensary goodwill, script volume, and location zoning. We build your file for success.
Major banks, non-banks, and specialist healthcare lenders โ giving you access to the most competitive pharmacy finance rates and structures available.
From first consultation to settlement โ we manage everything, keep you informed, and make sure you don't miss an opportunity due to slow lender processes.
We look beyond the loan โ positioning your pharmacy finance as part of a broader strategy that includes SMSF property, personal property, and business growth.
Fully accredited, licensed, and compliant. Credit Representative 542838 under Australian Credit Licence No. 92740 โ you're in safe, professional hands.
Pooja spent years at NAB and ANZ โ she knows how lenders think, where deals fall over, and exactly how to position your pharmacy application for approval.
Whether you've found the pharmacy you want to buy, or you're still exploring options โ a 20-minute call with one of our specialists costs nothing and could save you years of wrong-product finance.
We'll be in touch within one business day.
Probiz Finance ABN 52 661 057 647 | Credit Representative Number 542838 is authorised under Australian Credit Licence No. 92740. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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