Fast, Flexible Funding for Your Pharmacy
From stocking lifesaving medicines to managing supplier delays, our funding is built for the realities of running a South African pharmacy.
From stocking lifesaving medicines to managing supplier delays, our funding is built for the realities of running a South African pharmacy.
Funding designed for the challenges of retail pharmacy
Running a pharmacy means managing stock, supplier relationships, and dispensing costs, all while keeping shelves stocked and patients served. Cash flow gaps are common, and they can cost you bulk discounts or leave you short when stock is needed most.
Pharmacy finance gives you fast access to working capital without the red tape of a traditional bank loan. It's unsecured, meaning no collateral is required, and repayments are structured around your dispensing and retail turnover.
Complete a simple online application and upload your proof of residence, pharmacy statements, and six months of bank records. It takes just a few minutes.
To qualify, your pharmacy must be registered in South Africa, trading for at least 12 months, generating R50,000+ per month. You must be a South African citizen or have a qualifying guarantor. We do not fund start-ups.
We assess your details and design a funding solution tailored to your pharmacy, with repayment terms you can manage confidently.
Repayments can be structured as a percentage of your dispensing or retail turnover, via daily or weekly debit orders. We'll recommend the option that best fits your cash flow.
Once approved, funds are deposited into your account within 24 hours, ready when your pharmacy needs them.
Since 2013, Merchant Capital has invested more than R17 billion into nearly 70,000 South African businesses, including independent pharmacies and pharmacy chains. We understand the dispensing and retail pressures that come with running a pharmacy.
Apply in minutes and receive an obligation-free offer within 24 hours. When your pharmacy needs stock, speed matters.
Choose repayments linked to your dispensing or retail turnover, via daily or weekly debit orders, keeping your cash flow predictable.
Our funding specialists understand the pressures of running a pharmacy, from managing supplier delays to navigating seasonal demand for chronic and acute medication.
We have extensive experience working with trusted pharmacy franchises and buying groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
We partner with respected names in the South African financial sector, giving you the confidence to grow with trusted support.
To qualify for Pharmacy Finance, your pharmacy must meet
these requirements:
Your pharmacy should generate at least R50,000 per month. We support established pharmacies ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your pharmacy must have been trading for at least 12 months. We do not fund start-ups.
Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.
These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.
See how South African businesses like yours have unlocked growth and new opportunities with our tailored funding solutions.
Most pharmacies are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via daily or weekly debit orders, linked to your dispensing or retail turnover. This gives you stability without squeezing your cash flow.
Absolutely. Pharmacies often use it to manage supplier delays, secure bulk discounts, or stock seasonal products.
No. It's a cash advance: no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
Yes. Once 40% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount initially, you can top up at any point.
32 Impala Road
Chislehurston
Sandton
2196
