Welcome to Seed To Sale Funding™

We are a consulting company that raises debt capital for all facets of the hemp & cannabis industry, including grow/cultivation, processing, testing, retail, and secured transportation. Since bank loans are not readily available for the hemp and cannabis industry, we primarily work with a network of private sources ranging from wealthy investors, family offices, private lenders, and hard money lenders.

Get expert advice for financing your project

Work with someone who really understands your business. Contact us today.


We help cannabis companies obtain the financing they need to run their businesses and take advantage of growth opportunities


What We Do

Finding The Right Capital for Your Business

Seed To Sale Funding is a Troy, MI based debt placement firm, loan broker, and consulting company. We work exclusively in the legal marijuana and hemp industries. Businesses in this space are underserved by regulated banks and credit unions, so we find financing from private sources such as family offices, mortgage companies, and private lenders.

Working with referral partners as well as directly with businesses, Seed To Sale Funding utilizes a variety of loan structures to provide funding for companies seeking $1,000,000 or more in capital, and smaller requests on a case by case basis.

Financing structures include:
Working Capital
Commercial Real Estate
Bridge Loans
Construction Loans
Equipment Leases and Loans
Equipment Leases and Loans
Acquisition/Cash Flow Loans

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Who We Are

Judy Rinkus


Judy’s experience includes over 30 years of structuring and placing commercial loan transactions.  She is an accomplished executive with a history of identifying and capitalizing on new opportunities to expand business and drive revenue and profit growth. Prior to joining The Vortex Group, she held diverse executive positions with a variety of national and regional commercial banks, such as Managing Director at PNC Bank, Senior Vice President at Bank of America, and Vice President at Comerica Bank.  She also served as Managing Director at Amherst Partners, a boutique management consulting and investment banking firm.

Judy is active in a variety of professional and civic organizations, including The Association for Corporate GrowthWalsh College (President’s Advisory Board), National Association of Women Business OwnersInforum (former member of the Board of Directors), Leader Dogs for the Blind, and The Detroit Athletic Club.

Judy is a graduate of The University of Michigan Ross School of Business, with a concentration in Finance.

Nicole Swigert


Nicole is a knowledgeable financial professional with over 13 years of senior debt expertise.

She excels in uncovering financial strategies to maximize business potential by appropriately aligning capital structures in conjunction with mitigating risks.

Prior to joining The Vortex Group, Nicole managed banking relationships for public and privately held companies in diverse industries. She most recently was a Vice President at Comerica Bank managing companies headquartered in Michigan with revenues greater than $250 million. In addition, Nicole spent over seven years at PNC Financial Services Group working in various lending capacities such as underwriting, commercial lending, and corporate finance.

Nicole received her business degree with a concentration in finance from Walsh College.

Roslyn Grafstein​


Roslyn is a Chartered Financial Analyst and Economist with broad-based expertise in investment management, wealth management and financial planning services. She has an Economics Degree from York University and she continued her financial education with the Canadian Securities Course (CSC) and Ontario Mutual Funds License as well as obtaining Ontario Life Insurance Levels I and II prior to becoming a Certified Financial Planner (CFP). Roslyn is an enterprising Finance professional who uses strong interpersonal skills to build relationships and develop alternative resources for her clients.

Outside of the financial world, Roslyn has been busy in her community. She was elected to the Madison Heights City Council in 2017 and in 2019 she was appointed by council to be the Mayor Pro Tem. Roslyn is active with the Michigan Municipal League (MML) and the Southeast Michigan Council of Governments (SEMCOG) having been appointed council representative for SEMCOG in 2019. She was also on the SEMCOG Work Skills Task Force (2018/19) and has attended many of their training programs  including local government finance and road finance. Roslyn believes in giving back. In 2019 she raised $50,000 for the Leukemia and Lymphoma Society Man Woman of the Year campaign.

Jeff Schuman


Jeff’s experience includes over 35 years of originating and administering commercial lending relationships including significant knowledge of commercial real estate transactions. As a lifelong resident of southeast Michigan, Jeff began his commercial banking career with Michigan National Bank. Industry mergers and consolidations provided subsequent opportunities to work with Bank of America, Comerica, LaSalle, FirstMerit and Huntington Banks. Titles ranged from Credit Analyst to Senior Relationship Manager to Senior Vice President and Group Manager, but in every instance the principal objective was the same; meet your prospects’ and clients’ needs and become their trusted advisor.

In the middle of his banking career, Jeff pivoted outside the world of commercial banking into the role of Vice President of Finance for a southeast Michigan based commercial real estate developer. Living and working as a borrower provided Jeff a perspective which he used to differentiate himself when he decided to return to the commercial banking world.

Over time Jeff has served on the University of Michigan Dearborn Business School Dean’s Advisory Council, the Cranbrook Museum of Art’s Advisory Committee and as an active leader and board member of his church. He is a graduate of The University of Michigan Dearborn (BBA) and The University of Michigan Ross School of Business (MBA). He resides in Northville, MI. and is married with four grown children, one grandson and two dogs.

Kim Warden

Associate Director

Kim’s career achievements are anchored in 8 years of having started and run her own professional clothing business and 22+ high performance years at Ameritech, AT&T and The Knot. Her strong business development skills begin with understanding her prospect’s and client’s needs. Tailoring programs to meet those needs and actively managing the decision process through closing, has generated perennial achievements awards and recognition as a top performing sales executive and sales manager during that 22 year period.
Creative, high energy and born to sell. Kim’s entrepreneurial view of business pairs well with her fellow team members whose background is principally centered in capital market and credit risk management sales. Understanding that lenders will always identify the risk in a deal, excellent communication and Microsoft Office skills are the critical tools used to ensure those risks are accurately assessed and the risk- reward relationship clearly presented.
Born and raised in Johnstown, PA. Kim lived in Arizona and Florida prior to relocating to Michigan in 1996. She is a graduate of Western Michigan University (BS – Psychology, minor Business), splits her time between Michigan and Arizona and is married with four grown children, one and soon to be two grandchildren and two lovable boxer dogs.

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