Our Services

We pride ourselves on our relentless focus, quick responsiveness, standard-setting professionalism, and of course, our unmatched results. We are a team of passionate commercial lenders that are completely committed to you and your business. Each deal we close fuels our desire to help your business and the cannabis industry grow and prosper. Our transparency and proven methods make us the best team of experts you’ll find in the cannabis debt financing space.

Are you ready? If so, we are the team that can take you from, well, “Seed To Sale”!

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REAL ESTATE LOANS - Amounts from $500,000 to $20,000,000 or More

  • Retail, cultivation and processing facilities are eligible, including hybrid greenhouses

  • Senior secured, first-lien transactions. No junior lien loans are available

  • Up to 70% loan to value

  • Rates starting at 10%, plus points

  • Non dilutive

  • Uses of proceeds: Construction, renovation, build-outs, cash-out for working capital, and refinance

  • Startup entities are eligible with strong sponsors

  • Full personal recourse to the sponsors, with some exceptions depending on the capitalization structure

  • Available in any state where cannabis is legal

 
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REAL ESTATE SALE LEASEBACKS - Amounts from $10,000,000 and Above

  • Retail, cultivation and processing facilities are eligible, including hybrid greenhouses

  • Allows the owner-occupant to sell its real estate to an investor-landlord while continuing to occupy the property. The seller then becomes a lessee of the property while the purchaser becomes the lessor

  • Cap rates from 12-15%

  • Non-dilutive

  • Cashflow positive, stabilized projects preferred, but startups considered with strong sponsors

  • Personal recourse (guarantee of the lease) negotiable

  • Available in any state where cannabis is legal

 
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EQUIPMENT LOANS AND LEASES - Amounts from $100,000 and More

  • Perfect for processors, extractors, and testing laboratories. Eligible collateral includes extraction lines, packaging and bottling equipment, and laboratory equipment. No grow lights, HVAC, security equipment or retail fixtures can be financed

  • Typically used to purchase new equipment

  • Interest rates starting at 8% for businesses with 3 years of adequate cash flow. Rates are higher for newer companies

  • Quick funding, usually within several weeks

  • Full personal recourse to the sponsors, with some exceptions depending on capitalization structure

  • Available in any state where cannabis is legal

 

UNSECURED BUSINESS LOANS - Amounts from $100,000 to $400,000 or More

  • May be used for any business purpose

  • Term loans and revolving lines of credit available

  • Unsecured

  • Personal guarantees required

  • Loan amount and rate determined by personal credit score, personal debt to income ratio, and personal credit utilization

  • Available for both startups and established businesses

 
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WORKING CAPITAL FINANCING - Amounts from $250,000 to $5,000,000

  • Available for any cannabis-related business, including retail, cultivation, processing, laboratories, and more

  • Intended to bridge short term gaps in cash flow

  • Monthly discount fee of 1-3%

  • Loan amount: Up to one month’s gross revenue

  • Term up to 1 year

  • Established businesses only. Startup entities are not eligible for this product

  • Quick funding, usually within 1 week

  • Available in any state where cannabis is legal