Genuine expertise you can rely on.
Mark Rodgers founded Pharmacy Funding with a clear purpose — to give UK pharmacy owners access to the kind of specialist, personal finance service that the sector has long deserved.
With a career built in financial services and a deep understanding of how pharmacy businesses work, Mark brings a level of sector knowledge that generalist brokers simply can't match. He understands NHS income streams, FP34 dispensing data, how lenders assess pharmacy goodwill, and — critically — how to present a pharmacy's case in a way that maximises the chance of approval at the right terms.
Working with everything from first-time pharmacy buyers to established multi-site groups, Mark's approach is always the same: listen carefully, understand the business fully, then work hard to find the most appropriate and competitive solution.
Pharmacy Funding also draws on a broader network of specialist Associates when a transaction requires additional expertise — meaning clients have access to the right knowledge, whatever the complexity.
Tailored pharmacy finance, from first conversation to completion.
Understanding the unique dynamics of your pharmacy business is central to what we do. We work closely with our clients to gain a detailed understanding of their operations, cash flow cycles, NHS income streams, and growth ambitions — allowing us to deliver tailored, practical funding solutions.
As pharmacies evolve — whether through acquisition, refurbishment, automation or changes in dispensing volumes — their funding requirements also change. We adapt our approach accordingly, ensuring your finance structure continues to support both day-to-day operations and long-term growth.
Along with the Director of the business, Pharmacy Funding has access to a broad spectrum of Associates when more specialist input is required.
We structure funding proposals specifically for the pharmacy sector, presenting your case to lenders in a way that maximises the likelihood of approval. Drawing on extensive experience within financial institutions, we understand how lenders assess pharmacy businesses — from first-time buyers to established groups — and use this insight to your advantage.
We recognise that dealing with lenders can be time-consuming and, at times, frustrating. That's why we manage the process on your behalf — guiding you through each stage, handling communication with lenders, and negotiating terms to secure the most appropriate outcome for your business.
With access to a wide panel of lenders experienced in pharmacy finance, we are well placed to source competitive and suitable funding solutions aligned to your needs.
Simple principles that make a real difference.
We understand your sector
We don't just know finance — we know pharmacy. NHS income, dispensing volumes, FP34s, CQUIN payments and how lenders view pharmacy goodwill. It makes every application stronger.
We put you first — always
We're paid by lenders, not you. That means our only job is to find the most suitable deal for your pharmacy — we have no incentive to push you towards any particular lender or product.
We see it through
We don't hand you a list of lenders and leave you to it. We manage the application, the lender conversation, the queries and the paperwork — right through to drawdown.
Fully regulated
Pharmacy Funding is a trading style of Stoneacre Assets Limited, authorised and regulated by the Financial Conduct Authority (FCA No 1009039), and registered with the ICO (No. ZB678192). You can check our FCA registration at fca.org.uk.
Complete transparency
We tell you exactly how much we're paid by the lender before any deal completes. No hidden fees, no surprises — just honest, open advice from people you can trust.
Whole of market
We work with a carefully selected panel of lenders who genuinely understand pharmacy — meaning you get access to the most competitive, most suitable deals, not just what one bank can offer.
No fee to you — ever.
We receive payment from the credit provider for introducing you to them. The amount we receive could vary by credit provider and may be higher for certain products compared with others. The payment received may also depend on the interest rate you are charged, as well as the term and product you receive.
Typically, commission received is a fixed fee or a percentage of the amount you borrow. We do not charge you a fee for our services.
Commission disclosure for regulated clients
The Financial Conduct Authority (FCA) expects any intermediary to disclose to the customer that a commission may be payable by the owner or creditor to the intermediary and, if the customer asks, the amount of that commission. The FCA has made it clear that commission means any financial consideration.
All commission received for regulated and unregulated clients is disclosed prior to any transaction taking place within our credit broking agreement, statement of suitability, and Commission Disclosure documents before customer transactions are completed.
From St Albans — financing pharmacies across Great Britain.
Our office is in St Albans, Hertfordshire, but we work with pharmacy owners the length and breadth of the UK — from city independents to rural groups.
