Access to capital remains one of the most misunderstood challenges in cannabis — but the real issue isn’t just raising money. It’s managing cash flow in an industry where operators pay upfront and wait months to get paid.
In this episode of Banking on Cannabis, host Terry Mendez, CEO of Safe Harbor Financial, sits down with Adam Stettner, CEO of FundCanna, to unpack why cannabis financing remains difficult, even in a reform environment, and what operators can do about it.
They discuss:
- Why cannabis lending approval rates lag traditional SMBs
- The 4–5 month revenue gap squeezing operators across the supply chain
- How lenders evaluate risk beyond credit scores
- Why honesty and transparency unlock capital faster
- When debt fuels growth, and when it destroys it
- How new financial tools are solving AR/AP bottlenecks across cannabis
This conversation is essential listening for cannabis founders, CFOs, operators, and investors navigating today’s capital-constrained market.
Hosted by Terry Mendez, CEO of Safe Harbor Financial
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