100000 Fp34 Stock Facility For An Independent Pharmacy

The Client 

An independent community pharmacy was seeking additional working capital to support ongoing stock purchases and improve day-to-day cash flow. Despite generating a reliable income from NHS prescriptions, the timing gap between purchasing stock and receiving NHS payments created cash flow pressures that limited the business's ability to operate and grow efficiently. 

The challenge 

The client required a flexible facility that would: 

A traditional business loan was not considered the most appropriate structure, as the client required a revolving working-capital solution rather than a fixed lump-sum loan with set monthly capital repayments. 

Our solution 

Following a review of the client’s requirements, AWS Private Finance approached Rx Bridge, a specialist provider of pharmacy working-capital facilities. 

We secured indicative terms for a £100,000 FP34 stock and working-capital facility for the pharmacy. 

The facility was structured around the pharmacy’s NHS income, with security provided through an assignment of NHS receipts. This created a funding solution specifically aligned with the way the pharmacy receives and manages its income. 

Indicative facility terms 

The absence of a non-utilisation fee was particularly useful, as the client would not be charged interest simply for having access to the full facility. The funding cost would instead be linked to the amount actually drawn. 

The outcome 

The proposed facility provided the pharmacy with access to up to £100,000 of additional liquidity, helping it manage the timing difference between paying suppliers and receiving NHS income. 

The structure gave the client greater flexibility to: 

How AWS Private Finance helped 

Pharmacy funding often requires a specialist understanding of NHS payment cycles, stock purchasing and the operational pressures experienced by independent pharmacy owners. 

By presenting the proposal to a lender that specialises in the sector, we were able to identify a facility that was more closely aligned with the client’s working-capital requirements than a standard commercial loan. 

Looking for pharmacy working-capital funding? 

AWS Private Finance supports pharmacy owners with: 

Speak to our specialist healthcare finance team to discuss the funding options available for your pharmacy. 

Please note: This case study is based on a genuine client scenario. To protect client confidentiality, specific figures, dates and other identifying details have been amended. The circumstances, solution and overall outcome remain accurate.