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”!
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
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
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
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