No. Our financial services are available to any licensed cannabis business, regardless of where you bank.
SCALABLE FINANCIAL SUPPORT WITHOUT THE OVERHEAD.
Staying financially healthy in cannabis isn’t easy. Safe Harbor makes it simpler. We deliver financial services built for cannabis operators, from bookkeeping and accounting to strategic finance and guidance, so you can focus on running your business. With years of industry experience and scalable support, we help operators access the quality of a top firm at up to 60% less cost.
END-TO-END FINANCE SUPPORT FOR CANNABIS BUSINESSES
Keep daily operations accurate, organized, and audit-ready.
Our foundational services cover the essential financial, HR, and IT tasks every cannabis operator needs to stay compliant and in control. We handle the work directly so your team can stay focused on running the business while we reduce risk, keep records clean, and support your operations wherever you need an extra set of hands.
Ready to get your financial back-office under control? Schedule a Free Consultation
BACK-OFFICE Operations
Simplify day-to-day tasks and free up your team.
Sales order to collections
Keep receivables moving with full order-to-cash support. We process sales orders, update stock levels, set customer credit limits, manage collections, and more.
Vendor Management (Order to Payment)
Streamline payables with accurate vendor onboarding, contract management, order support and processing, and managed disbursements that ensure your employees and critical vendors are prioritized.
Inventory and warehouse management
Process receiving documents, match purchase orders to vendor invoices, manage SKUs, track test results, schedule pick-and-pack, set up shipping documents, and more.
Data entry and reconciliation
Maintain your general ledger, map linked financial systems, reconcile bank accounts, match warehouse systems to Metrc/Biotrack, reconcile cash and sales to POS, setup APIs, and maintain audit trails.
Financial reviews and preparation
Review books for tax deductions, errors, omissions, and duplicate payments. Establish controls and help interpret financial results.
Bookkeeping Support
An extension of your team, with people you can count on.
Bookkeeping
Accurately process your transactions with daily, weekly, and monthly reporting across multiple states.
Payroll, tax filings, and onboarding documentation
Reconcile timecards, manage onboarding/offboarding, assist with workers’ comp audits, perform cost analysis, and close payroll gaps.
Accounting system setup and integration
Optimize and automate POS, ERP, and financial tool integration.
Chart of accounts optimization
Structure data for clarity, compliance, and scale. View your accounts differently depending on your purpose.
Investor reporting support
Maintain cap tables, respond to shareholder confirmations, manage investor portals, and perform benchmarking.
Compliance & Controls
Built for accuracy. Built for cannabis.
Sales and excise tax reporting readiness
Prepare, reconcile, and file returns with audit-ready financials.
Contract and document management
Summarize and evaluate contracts, maintain centralized records, manage terms, and reduce legal risks.
License tracking and renewal support
Stay compliant with evolving local and state requirements.
HR Support
Flexible help with payroll, onboarding, and day-to-day HR needs.
Payroll setup and administration
Configure payroll systems, manage runs, and align records with banking requirements.
Onboarding and offboarding
Handle employee documentation, benefits coordination, and compliance steps.
Temporary HR coverage
Step in during absences or gaps so your team doesn’t miss a beat.
Special projects
Provide support for audits, benefit reviews, or one-off workforce initiatives.
IT Support
Hands-on assistance with POS, systems setup, and special projects.
POS and system setup
Implement and integrate POS solutions with your financial and compliance tools.
Systems integration
Connect payroll, ERP, and financial systems for smoother reporting and oversight.
Temporary IT coverage
Fill short-term gaps with practical support to keep your systems running.
Project-based IT help
Assist with implementations, migrations, or vendor rollouts as needed.
Senior-level financial insight without full-time overhead.
When you need high-level financial guidance but are not ready for or cannot afford a full-time CFO, we offer right-sized support that meets you where you are. From advanced reporting and planning to financial modeling and lender readiness, we provide strategic insight without adding internal overhead.
Whether you are preparing for growth, solving complex cash flow issues, or presenting to investors, we help you show up ready with accurate numbers, reliable forecasts, and systems that scale - for up to 60% less cost than what similar support costs elsewhere.
Whether you are preparing for growth, solving complex cash flow issues, or presenting to investors, we help you show up ready with accurate numbers, reliable forecasts, and systems that scale - for up to 60% less cost than what similar support costs elsewhere.
Need sharper forecasts and smarter systems?
Strategic Finance
CFO-level guidance, without the full-time cost.
Fractional CFO support
Expand your financial leadership capacity with experienced cannabis finance professionals without hiring full time.
Financial and tax strategy
Navigate growth with expert planning and cannabis-specific insight.
System and process implementation
Improve efficiency with scalable infrastructure. Maintaining spreadsheets, contracts, and various other information is tedious.
Shared services setup & intercompany allocations
Centralize operations and optimize tax strategies across entities.
Scenario modeling and forecasting
Plan for debt, equity, or M&A decisions with data-driven clarity. Our team has been successful helping clients raise capital. We also happen to be a lender.
Lender and investor pitch support
Present clean, compelling numbers to secure capital. We can help you devise the story that leads to favorable results.
Sales order to collections
Keep receivables moving with full order-to-cash support. We process sales orders, update stock levels, set customer credit limits, manage collections, and more.
Cash Flow & Financial Reporting
See where you stand. Plan ahead with clarity.
13-week cash flow planning
We will help you create a vendor payment strategy, plan to absorb seasonality, plan your tax payments, and support investments in growth
Financial reporting
Generate accurate, timely data for better decisions and enhanced investor trust. The ability to deliver timely and accurate financial reporting is critical to securing loans.
Budgeting and forecasting
Align your operations with near- and long-term financial goals, developing models that can reflect multiple assumptions and potential outcomes.
Monthly close support
Maintain consistency and transparency across financial periods, with narrative information that well communicates your results.
Multi-entity or departmental reporting
We can consolidate financials across licenses or business lines, perform intercompany eliminations, implement intercompany cost sharing strategies, and perform business line assessments.
Custom financial dashboards
Get on-demand visibility into the metrics that matter
experienced guidance for the moments that matter most.
When your business is raising capital, preparing for an audit, or pursuing M&A, you cannot afford guesswork. Our advisory services help you make smart, strategic decisions with confidence. Whether you are working toward an exit or planning to expand, we deliver the insight and structure you need to move forward.
These services are delivered by Safe Harbor in partnership with Bennett Thrasher, a trusted advisory firm with deep cannabis experience. Together, we help operators stay investor-ready, audit-ready, and built for long-term success.
These services are delivered by Safe Harbor in partnership with Bennett Thrasher, a trusted advisory firm with deep cannabis experience. Together, we help operators stay investor-ready, audit-ready, and built for long-term success.
Get the Advisory Support You Need! Schedule Your Free Consultation.
Strategic Advisory
For growth, capital raises, and investor readiness.
Lead strategic planning and advisory discussions: Build long-term value with a clear financial roadmap
Prepare you for capital raises: Present your business with clean financials and compelling narratives
Evaluate operational readiness: Ensure you are built for growth, investment, or sale
Audit & Tax Compliance
Minimize risk and prepare for audits
Prepare tax returns and filings: Manage 280E, 471(c), and multi-state complexity with confidence
Perform annual audits and financial reviews: Be prepared for lenders, investors, and regulators
Contract and cost analysis: Identify savings and reduce financial risk across agreements
Transaction Advisory
Navigate critical transitions with support.
Perform business and asset valuation: Understand enterprise value for funding, M&A, or exit planning
Lead M&A support and financial due diligence: Prepare for clean transactions with full financial visibility
Cap table modeling: Keep equity transparent and investor-friendly
Integration and disposition support: Transition smoothly after a merger, acquisition, or leadership shift
LENDING TO FUND YOUR GROWTH.
Safe Harbor provides access to commercial real estate loans and flexible financing tools through partner institutions to help cannabis businesses grow. Since launching our lending platform in 2022, we've originated over $120M in loans for cannabis operators nationwide.
Whether you're expanding your footprint or investing in infrastructure, we deliver the capital you need, backed by deep industry knowledge and compliant financial practices.
Whether you're expanding your footprint or investing in infrastructure, we deliver the capital you need, backed by deep industry knowledge and compliant financial practices.
Capital solutions for licensed cannabis operators
Commercial Real Estate Loans
Check Eligibility & Submit a Safe Harbor Loan Request
Property Types
Owner-occupied: Finance real estate used for your licensed cannabis business
Investor: Finance cannabis properties leased to licensed operators
Loan Size
$1 million to $2.5 million
Loan-to-Value
Up to 65 percent of cannabis real estate value
Terms
5-year terms with 25-year amortization
Rates
Competitive fixed rates from 8.99 percent to 13.5 percent
Integrated banking support
Get guidance on banking setup and cash flow alignment
Submit a loan request
Rates and terms subject to change; based on credit and collateral.
Additional Financing Options
Expanded access to flexible capital
Safe Harbor clients can also access a range of financing solutions through our partnership with FundCanna. This suite of services provides non-dilutive capital to support growth and operations.
Working Capital
Non-dilutive funds for any business purpose
Vendor Financing
FundCanna pays your vendors directly and offers flexible repayment terms to improve cash flow
Equipment Financing
Lease or purchase new or used equipment without tying up your cash
ReadyPaid
A business-to-business BNPL program that gets you paid right away and extends flexible payment terms to your customers
Start your fundcanna application
FundCanna loan terms and rates are established solely by FundCanna and are not the same as Safe Harbor's commercial real estate loans.
Do I need to be a Safe Harbor banking client to use these financial services?
Which types of cannabis businesses do you work with?
We support the full supply chain including dispensaries, cultivators, manufacturers, and ancillary businesses. Every service we offer is tailored to the unique challenges of cannabis finance.
Do I have to commit to all three service areas?
No. You can choose only what you need. Some clients start with bookkeeping, others begin with strategic finance or advisory support, and many add services over time as their business grows.
How do you help with 280E and other cannabis compliance requirements?
Compliance is built into every service we provide. From bookkeeping to tax strategy and advisory support, we account for cannabis-specific rules like 280E to help you avoid penalties and stay audit ready.
Can you support multi-state operations?
Yes. We work with cannabis operators across multiple states and can consolidate financial reporting, manage intercompany allocations, and navigate varying state-level compliance requirements.
Do you work alongside internal teams or replace them?
We work in whatever way best supports your business. Many clients bring us in to complement their internal teams, filling gaps or handling specialized projects. Others who do not have internal finance staff lean on us as their full outsourced solution. We adapt to your structure rather than replace it.
What does fractional CFO support include?
Fractional CFO services give you senior-level financial insight without the cost of a full-time hire. This can include forecasting, board reporting, capital planning, and M&A preparation. It is ideal for businesses that do not yet need or cannot justify a full-time CFO, and every engagement is tailored to your specific goals and challenges.
Can you prepare us for investors or a sale?
Fractional CFO services give you senior-level financial insight without the cost of a full-time hire. This can include forecasting, board reporting, capital planning, and M&A preparation. It is ideal for businesses that do not yet need or cannot justify a full-time CFO, and every engagement is tailored to your specific goals and challenges.
How quickly can we get started?
Most services can begin within days of an initial free consultation. We adjust timelines based on urgency, complexity, and your internal readiness.
How is pricing structured?
Our pricing is flexible and designed around your business. We build solutions that match your size, stage, and priorities, from one-off projects to ongoing bundled support. Every engagement is custom built so you only pay for what you need.
How do you protect our financial data?
We use secure systems and follow strict protocols designed for financial institutions, including encrypted data transfers and controlled access. Protecting sensitive client information is one of our highest priorities.
Why should cannabis operators consider outsourcing financial services?
Cannabis finance is more complex than traditional industries, with strict compliance requirements, cash-heavy operations, and constant regulatory changes. By outsourcing to Safe Harbor, operators gain access to a team that already understands these challenges, avoids costly trial and error, and frees internal teams to focus on running the business instead of navigating financial hurdles.
What common financial challenges do you help cannabis companies overcome?
Cannabis companies face hurdles that traditional businesses rarely encounter, and Safe Harbor is built to address them directly. Some of the most common challenges include:
- Cash management: Operators often handle large volumes of cash. We provide secure solutions such as armored pickup, smart safes, and vaulting services that reduce risk, save time, and improve reconciliation.
- Banking access: Many cannabis businesses struggle with sudden account closures or lack of reliable banking. We provide stable accounts supported by partner banks and credit unions that follow FinCEN guidance and state licensing rules.
- Payments: Moving money can be difficult in cannabis. We offer ACH, wires, bill pay, debit cards, and other digital options that give operators safe, trackable ways to pay vendors, employees, and taxes.
- Tax and accounting pressure: Federal tax rule 280E, state-by-state rules, and frequent audits create a need for precise bookkeeping and reporting. Our financial services help keep records audit ready and compliant.
- Financial visibility: Many operators lack clear insight into their cash flow and profitability. We provide reporting, forecasting, and strategic finance support that help leaders make informed business decisions.
- Raising capital and planning growth: Investors, lenders, and partners require clean books and proven compliance. We help operators prepare financials that support fundraising, expansion, and long-term planning.
Our cannabis-only focus -- including hemp and CBD -- means we understand these challenges and can move faster and more completely than general providers. The result is reliable banking and financial systems that allow operators to focus on running and growing their businesses instead of worrying about compliance gaps or financial setbacks.