Should I need to set up a new pharmaceutical site or renovate the premises of my pharmacy, what solutions do you recommend?
The preparation of new headquarters and/or the restructuring of existing premises represent an important investment in terms of financial commitment, and therefore require an adequate, and weighted analysis that identifies the most suitable tool for these purposes.
Medium and long-term loans best support the pharmacy’s structural investments, one can therefore choose a bank loan or leasing and rental solutions.
A bank loan is a contract by which a credit institution grants a sum of money to a person who undertakes to repay it according to a repayment plan determined on the basis of the duration and the applicable interest rate. Through this solution, the pharmacy is able to pay for any charges connected to the needs related to the setting up or renovation and to purchase the necessary furnishings and equipment directly from the suppliers.
On the other hand, three parties substantially intervene in the financial leasing contract: the seller, the leasing company, the user. The leasing company purchases the asset from the seller and leases it to the user who undertakes to pay periodic rental fees for its use, according to a predefined plan. At the end of the lease period, the user will be able to decide whether to return the asset, or to redeem it by paying the so-called maxi fee. In the case of rental, although it is a commercial and non-financial solution, the dynamics are similar, but there is no final redemption option.
Banca Credifarma offers medium and long-term financial solutions designed for these specific needs, whereas, through Banca Ifis and Ifis Rental Services, companies of the Banca Ifis Group, the pharmacy can also access leasing and rental products for capital goods, respectively.
