A chemist shop has certain positive points that attract lenders. First and foremost, a chemist shop in the market area is just a shop. It does not require too much of readjustments in the property or building plan to convert it into another retail outlet. Retail industry, especially health and pharmaceutical sector, is relatively less sensitive to economic downturns. People will fall ill; they will go to a chemist shop and buy medicines, irrespective of the fact whether the economy is going through a stage of expansion or contraction. It is this nature of stability of business that attracts the lenders mostly to commercial mortgage for chemists.

The location of the property is undoubtedly the most important criteria for valuation of commercial mortgage for chemists by the lenders. If it is in an upmarket area, the property will appreciate much faster. Sometimes, a chemist shop can even be set up in residential areas where the top floor can be used for residential purposes and the ground floor can be used as a chemist shop. The range of products that the outlet is likely to store will be another important criterion for the lenders. For start-up businesses, the likely projected sales for a few years, the credit history and the financial strength of the entrepreneur will be the other important requirements to be furnished to the potential lenders.