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Frequently Asked Questions


What duration can the loan be for?
  • Each loan can only be for a maximum of up to 10 years.
  • Customers are always encouraged to accept a 10 year term at the outset, even if the intention is to repay earlier.
    • there is no early repayment penalty fee -you can either repay in full or pay more than the required amount each month, thereby reducing your total cost of funds.
    • it allows for greater management of your cash flow throughout the period of the loan.
Why can’t I borrow for longer?
  • UniChem believe that a successful pharmacy business should be able to repay its initial start up costs within a 10 year period.
How long will it take to actually receive the money?
  • We aim to process your application within 3-5 business days from receipt of the application.
  • Funds are made available on 23rd monthly.
  • If buying a pharmacy, most acquisitions will take a minimum of 2 to 3 months to organise – and often a lot longer!
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