The UK Pharmacy Landscape 2026 (Unsecured & Asset Finance)
The UK pharmacy sector continues to adapt to rising operating costs, evolving NHS funding arrangements and increasing pressure to improve efficiency. As a result, access to flexible funding remains essential for operators looking to invest in growth, modernisation and service development.
In H1 2026, Christie Finance facilitated over £3 million of short-term and unsecured lending into the pharmacy sector, with an average deal size of £117,000. Overall lending volumes were similar to those achieved in H1 2025, highlighting the continued resilience of the sector and strong lender confidence.
The most significant trend during the first half of 2026 was the level of funding directed towards new entrants, which accounted for around 40% of all lending completed. In particular, we have seen excellent success with shared ownership and partnership models, providing a more accessible route into pharmacy ownership while attracting strong appetite from lenders keen to support succession within the sector.
Alongside acquisition funding, we have seen a noticeable increase in investment focused on enhancing service ACTIVITY BY BORROWER TYPE 11 £1,293,600 7 £709,530 £1,050,750 ACTIVITY BY LOAN PURPOSE 12 £1,699,750 8 10 £999,130 SHAUN WATTS Head of Unsecured & Asset Finance, Christie Finance 4 £355,000 offerings and improving operational efficiency. As pharmacies seek to maximise profitability from existing locations, many are investing in technologies and solutions that streamline workflows and support the delivery of additional clinical services.
As the pharmacy landscape continues to evolve, flexible funding solutions are playing an increasingly important role. The growth in lending to new entrants, coupled with increased investment in efficiency and service-led models, demonstrates a sector that remains focused on innovation, resilience, and sustainable growth.
Read the full market review here: Pharmacy Market Review 2026 | Christie & Co