Healthcare & pharmaceuticals

A sustainable business strategy in the healthcare and pharmaceutical sector takes account of its changing demands. An expanding and aging population means the sector will grow significantly. This puts an increased focus upon the prevention, treatment and management of illness, through services offered by the medical, care and allied health professions.

Understanding the challenges and opportunities in the sector and in the local market allows us to deliver a long-term funding approach, enhanced by our team’s expertise. Throughout the economic cycle, our specialist teams will provide you with sound guidance and the right products to help you achieve your goals.


Our specialist teams work with many of the leading operators in the sector, putting us in a strong position to work alongside you and provide sound guidance and tailored solutions. Our healthcare sector includes:

  • elderly, specialist and homecare providers, in addition to children’s specialist services which include both the private and not-for-profit markets
  • private hospitals and specialist clinics.

Our expertise in creating banking products that best meet the needs of businesses in the sector gives us the ability to explain funding options and structures in a simple and transparent way.


The pharmaceutical industry continues to be one of the UK’s leading sectors that embraces development of innovative patent protected products and releasing new treatments to the market, allied to the distribution of generic drugs, branded medicine, parallel trades and over-the-counter medicines. The strong growth and increasing competition is driven by increased life expectancy in developed countries and stronger demand from developing countries.

Our people

Gordon Rate
Gordon Rate Head of Scotland – SME & Corporate Financial Markets

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Nick Laird
Nick Laird Regional Managing Director, Commercial Banking, Bank of Scotland

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Jane Clark-Hutchinson
Jane Clark-Hutchinson Regional Director, Mid Markets, Commercial Banking

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Tony Oakley
Tony Oakley Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland

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Stuart White
Stuart White Regional Director, North of Scotland, Commercial Banking, Bank of Scotland

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Colin Walls
Colin Walls Head of Trading and Working Capital, Commercial Banking, Bank of Scotland

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Fraser Sime
Fraser Sime Director, SME Banking, Bank of Scotland

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Gillian Henderson
Gillian Henderson Commercial Director, Commercial Banking, Bank of Scotland

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Pete Flockhart
Pete Flockhart Regional Relationship Director, Commercial Banking

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Specialist teams

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