LENDING TO SUPPORT YOUR GROWTH

Access to capital in cannabis does not follow traditional rules. Businesses operate under different constraints, and financing needs do not always fit standard lending models.Safe Harbor provides access to a range of financing solutions for cannabis operators and related businesses. Each request is evaluated in the context of your business, your objectives, and how your operations function day to day.

There isn’t a single loan product that fits every situation. Our Lending Team reviews each request to determine whether there is a viable financing path and how it can be structured appropriately.

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Cannabis Business Loan

FINANCING SOLUTIONS

The following categories reflect the financing solutions we can evaluate. These are not rigid products, and some requests may span multiple solutions.
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COMMERCIAL REAL ESTATE FINANCING

Acquisitions, refinancing, or developing cannabis-related real estate.

Owner-occupied properties used for licensed operations

Investor-owned properties leased to cannabis operators

Acquisition and refinance

Select construction scenarios

WORKING CAPITAL AND BUSINESS FINANCING

Used to support day-to-day operations and business growth.

Working capital

Term loans

Lines of credit

Expansion funding

Common uses include inventory, payroll, and operatingexpenses.

EQUIPMENT AND FACILITY FINANCING

Used to fund physical assets and facility improvements.

Equipment purchase or lease

Facility buildout and upgrades

Helps preserve working capital while investing in operations.

CASH FLOW AND REVENUE-BASED FINANCING

Used when repayment needs to align with how revenue isgenerated and collected.

Revenue-based structures

Accounts receivable and invoice financing

Purchase-order and vendor-related financing

Often used to manage timing gaps between expenses andincoming revenue.

SPECIALIZED AND STRUCTURED FINANCING

Used for transactions that fall outside standard lendingstructures.

Bridge financing

Sale-leaseback transactions

Partner buyouts

Real estate or business scenarios that do notfit traditional criteria

Evaluated on a case-by-case basis.

WHO WE WORK WITH

We review financing requests from:

  • Licensed cannabis operators
  • Cannabis real estate investors
  • Ancillary businesses
  • Early-stage and expanding businesses

Some financing solutions require operating history and consistent revenue. Others may be available to businesses with limited history or that are still getting established. Each request is evaluated based on its own merits.

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HOW THE PROCESS WORKS

1

Submit a request

Provide basic information about your business and what you are looking to accomplish.
2

Initial Review & Follow-up

Our lending team will reach out to schedule time to learn more about your business and explore potential financing options.
3

Evaluation and structuring

We evaluate your loan request and assess your financial objectives to structure the solution that best aligns with your goals.
4

next steps

We collect and review requested documentation to assess creditworthiness and support your loan request.
Important note: Eligibility for financing solutions varies. All loan requests are subject to individual review to determine qualification and available financing options.

EVALUATION CRITERIA

Financing criteria vary depending on the type of request. Factors may include:

  • Business performance and revenue
  • Time in operation
  • Use of funds
  • Collateral, where applicable,
  • Ownership and financial structure

Financing may be secured by real estate, equipment, or receivables, or structured based on cash flow. There are no single criteria that automatically disqualify every request. Each opportunity is reviewed individually to determine whether a financing path exists. Tell us what you are looking to accomplish. Our Lending Team will review your request and follow up with next steps.

Submit a Lending Request
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Important Information: Financing structures, terms, and availability vary by request and are subject to underwriting and approval. Nothing on this page constitutes a commitment to lend or extend financing. Financing may be provided by Safe Harbor or through third-party capital sources. Terms, conditions, and approvals are determined by the applicable financing provider. Submission of a lending request does not guarantee approval or funding. Financing availability may vary based on jurisdiction, licensing status, and applicable regulations. Decisions are based on the information provided and may require additional documentation and verification
Cannabis Plant