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.

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

Real Estate Financing

LOAN AMOUNTS $250,000 TO $50,000,000

We consider the total picture of the borrowing entity, including individuals, the specific property type, state and local license(s), operational history and overall transaction, offering diverse loan terms with an efficient process and underwriting review.




Construction Loans

Commercial Bridge Loans

Cash-out and expansions considered

Lease Options to purchase


Equipment Financing

LOANS AMOUNTS $50,000 TO $10,000,000

When your company needs any type of equipment, we’re happy to provide you with a no-hassle equipment lease or equipment financing agreement. Plus, we do it with minimal paperwork, and fast approvals with just one quick and easy application.



CO2 Extraction

Benching Systems


Gas Delivery Systems

Processing/Trim Equipment Control Systems

Extraction Equipment (special deals on this type of equipment)

Terms Up to 100% of value of equipment Lease 36 months to 48 months with $1.00 buy out

Equipment Financing
Purchase Order Financing

Purchase Order Financing

LOAN AMOUNTS $50,000 TO $50,000,000

Do you have some great orders coming up but need to pay expenses before you can fullfil the order? Purchase order financing allows you to free up cash to pay vendors and other operating expenses, in advance of receiving payment from your customers. Loan Amount: $50K to $50M Loan to Value: 50% of total purchase order Term: Up to 90 days Time to Close: Typically 2 weeks Benefits: Cash available within 48 hours - no audits Credit information and analysis available Customized statements and reporting Improves uneven cash flow Meets seasonal or temporary demand No long term contracts Reduces accounts payable Improves vendor relationships

Business Expansion/Working Capital

LOAN AMOUNTS UP TO $10,000,000

Now you want to reinvest in your company by opening a second or third location, improve your equipment, expand your facilities or exercise those lease options. Our investors secured business expansion loan can provide the cash you need to finance these types of activities. We will work with you and your team to underwrite with flexibility providing the structure that will work best for your business. Every loan that we do is unique, and custom tailored to the situation of our client. We will attempt to take everything into consideration, analyzing the business plan, financial projections and operational history. As long as we can meet our underwriting guidelines and the loan request makes sense, and there is an ability to repay the loan, we are interested in your project. When a new opportunity arises, such as expanding into a new location, quick and concise decision making is crucial. We can assist with your need for immediate financing, so waiting to be prequalified can sometimes lead to missed opportunities. Expanding your financial horizons can catapult your small business into the upper echelon of great companies.


Under 250K: 6 months bank statements

250K and over: One year in business 3 M or more in revenue Two years taxes for company and/or associated company Use of Funds Two years Profit & Loss and Balance Sheet Year to Date Profit & Loss and Balance Sheet For each owner (10% or more) of the company, provide the following: Two years personal tax returns Personal Financial Statement

Business Expansion/Working Capital
Acquisition Loans

Acquisition Loans

LOAN AMOUNTS $250,000 TO $7,500,000

A business acquisition loan allows you to buy someone else’s existing, profitable business. It also allows you to buy out your partner(s) for a business you already own. In addition, business acquisition loans can be used to finance the purchase of a well-established business with many locations and a proven model for success. It’s best to use a business acquisition loan to purchase a thriving company; turnaround financing is much more difficult to secure. How Business Acquisition Loans Work To secure small business acquisition financing, you’ll need to prove that both you and the business present minimal risk to the lender. You can do this by providing ample documentation of both your personal finances and the business’s finances. Good credit, minimal debt, and profitability are key. Terms can vary on the amount of the loan.


Loan amount to not exceed 60% of total purchase price

Purchase and Sale documents between seller and buyer

Financials for last three years plus YTD for acquisition

Three years tax returns for acquisition

Inventory list for acquisition

Projections after acquisition

Proof of capital for down payment

Buyer’s company financials for the last three years (if applicable)

Investor Application

For each owner (10% or more) of the company, provide the following: Three years personal tax returns Personal Financial Statements

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
    • Factoring
    • Equipment Leases and Loans
    • Sale/Leaseback
    • Acquisition/Cash Flow Loans

Current Engagements

Business Acquisition Loan

Acquisition of 2 existing retail dispensaries located in a major Michigan city.  Excellent locations and established cash flow.

Construction and Bridge Financing

Term Sheet accepted!

Construction and mini-perm loan for a large grow, processing and provisioning center in the Mid-Michigan area.

Purchase Financing for Cannabis Real Estate

Term Sheet accepted!

Financing to purchase a large greenhouse operation in Southern Michigan.  The operation will be converted to a cannabis grow facility within 6 months.

Construction and Refinancing for Cannabis Real Estate

Loan to refinance an existing maturing loan and provide construction financing for an outdoor and greenhouse cultivation facility located in Ontario, Canada.

Expansion Financing for Cannabis Real Estate

Refinancing of an existing provisioning center with profitable operations, located in a Detroit Green Zone.  Funds will be used for an expansion to the building and improvements.

Construction Financing for Cannabis Real Estate

Construction Financing for a vertically integrated marijuana producer located within a Green Zone of a major Michigan city.

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.

Media & Events

Judy Rinkus discusses cannabis real estate financing at the August, 2019 Benzinga Cannabis Capital Conference in Detroit. SHOW MORE

Aug 23, 2019

Benzinga Events

Speaking Highlights



The premier gathering of cannabis entrepreneurs and investors in North America. No other conference offers the level of access and seamless interaction between entrepreneurs building future billion-dollar cannabis enterprises and the investors whose capital will make that happen.


Legal Weed: What's Next for Retailers in Adult-use Recreational

Supply Chain: The Challenges and Solutions to Waning Supply

The Great Debate: Social Equity Programs in Michigan

Cannabis Recap: A Look at How Far We've Come

2020 Regulatory Updates (MRA & SBAM)

Special Guest Panel

And More!

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Corporate Finance For Mid-sized Businesses. Like Yours.

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Seed To Sale Funding

Troy, Michigan

United States