PHARMACY & DENTAL FINANCE

Finance for your first pharmacy / dental practice. And your next.

Buying a pharmacy or dental practice is a big step. We help first-time buyers and small operators understand their funding options, prepare their application and find finance suited to their plans.

Personal support from Neel Shah, with over 23 years of broking experience.

Pharmacist speaking with a customer at the counter

From professional to practice owner.

Specialist support for independent owners

Independent pharmacy counter

01 / PHARMACY

Build your pharmacy business

From your first pharmacy purchase to a second or third site, we help you explore acquisition and refinancing options with your next stage of ownership in mind.

Illustration of a new dental practice opening

02 / DENTAL

Take the next step in practice ownership

Buying a practice or growing a small group? We help you understand your borrowing options and prepare a clear case for lenders.

You know your profession. We help you navigate the finance.

You may have found a business you want to buy, or you may still be working out what is realistic. An early conversation can help you identify the information you need and the questions to resolve.

We look at your plans, your financial position and the business involved. We then help you approach suitable lenders, compare the terms available and progress the application.

Experience, explained in plain English

23+ years

Neel Shah brings a long-standing broking background to discussions about your next purchase or refinancing.

Personal support

We help organise the funding process around your circumstances and the transaction you are considering.

Whole-of-market sourcing

We source finance from the whole of market, matching the search to your requirements and lenders’ criteria.

From an initial conversation to completion

01 / Talk

Tell us what you want to buy or achieve and where you are in the process.

02 / Prepare

We help identify the information needed to present your borrowing proposal.

03 / Compare

We approach suitable lenders and explain the terms offered.

04 / Complete

We support your application and help coordinate funding-related queries.

Other finance for your business

We also arrange business acquisition finance, commercial property finance, development finance, unsecured business loans, invoice finance and finance for equipment and vehicles.

Tell us what you are planning

Whether you have found a business or are taking your first steps towards ownership, request a callback to discuss your funding options.

Finance is subject to status, lender criteria and assessment. We are a credit broker, not a lender.

Cogent Finance

Finance for independent pharmacy and dental practice owners.

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Let’s discuss your next step

We are a credit broker not a lender. Cogent Finance is a trading style of Cogent Finance Limited, registered at 9 Freetrade House, Lowther Road, Stanmore, HA7 1EP. Company Register number is 08858716. Cogent Finance Limited is Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 727183. You can check via www.register.fca.org. We are registered with the ICO, ZA101760 and you can check via www.ico.org.uk. We conduct unregulated business only and therefore not all products provided through us are regulated by the Financial Conduct Authority. We source finance from the whole of market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Cogent Finance Ltd is a member of the National Association of Commercial Finance Brokers (NACFB).

Approver Cogent Finance September 2026