Good news from Germany’s pharmacy reform: customary cash discounts for early payment are expected to become possible again, probably from August 2026. For pharmacy owners, this represents a substantial opportunity to improve profitability – but only if cash flow can support earlier payment.
A quick look at the current bank balance is no longer enough. In the new market environment, pharmacies need proactive liquidity planning.
What should be included in the strategic view?
All payment flows: Taxes, salaries, loan repayments and supplier invoices must be recorded accurately and timed consistently.
Cash-discount limitations in procurement: Pharmaceutical wholesalers may grant discounts only for selected turnover, such as standard prescription products, while direct suppliers may apply them to a broader portfolio. The exact contract always matters.
Market dynamics: Seasonal demand and the increasing share of high-priced medicines can absorb liquidity very quickly.
tiger.PHARMA’s recommendation: Do not wait for the legal framework to change. A pharmacy that structures and forecasts liquidity now will be better placed to use attractive purchasing terms later while retaining commercial flexibility.
tiger.PHARMA supports pharmacy businesses in making management, procurement and liquidity planning more data-driven and resilient.
Do not leave margin to chance. Better purchasing decisions, lower process costs and clear cash-flow planning can strengthen the pharmacy’s long-term performance.
Prepare procurement for changing market conditions and identify the potential that is economically realistic for your pharmacy.