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We too have been looking at opening a pharmacy, up here in the West of Scotland, our lad is the pharmacist an dwe would be in partnership with him
It is easier to buy an existing business than it is to start from scratch, applying for a license can take years.
Applying for a business loan to start a pharmacy is very straightforward, banks will indeed lend up to @90%. Even the pharmacy wholesalers will fund the purchase of the business for you.
It is seen as a very safe business proposition indeed.
One pharmacy near us went (@ 6/7 years ago) went for shop fixtures, fittings & stock £60K business - £800K. It's now worth £1.5 million for the business.
It is more than running a shop, you need fully trained an qualified dispensing staff as well as the pharmacist
Big respect to anyone looking at a plan B, especially a proper business but this sounds like a good way to end up working stupid hours in a shop.
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