America’s first and most experienced cannabis banking services provider is headquartered right here in Colorado. Access secure, compliant business banking in Colorado with Safe Harbor Financial—the platform built exclusively for cannabis operators.
Learn MoreWe serve Colorado’s legal cannabis community—including dispensaries, cultivators, manufacturers, and hemp businesses—with full-service solutions: checking accounts, cash flow support, lending, digital payments, and mobile banking. Every service is built to meet the regulatory demands and operational needs of licensed operators across the state.
Colorado legalized medical cannabis in 2000 and adult-use cannabis in 2012 through Amendment 64, with retail sales beginning in 2014. The state’s Marijuana Enforcement Division (MED) oversees licensing and regulation for both medical and adult-use cannabis businesses.
Licensed operators must comply with comprehensive regulations covering security, inventory tracking, and financial transparency. Municipalities may also impose local licensing and zoning requirements.
Despite statewide legalization, cannabis businesses continue to face challenges in accessing traditional financial services due to federal restrictions. The Colorado Division of Banking provides guidance to financial institutions, emphasizing compliance with federal standards, including FinCEN guidelines.
At Safe Harbor Financial, we’ve supported cannabis and hemp businesses nationwide since 2015, processing over $25 billion in cannabis-related funds. We provide Colorado operators with real banking solutions—checking, lending, payments, and mobile tools—delivered with deep regulatory expertise and a decade of cannabis-specific experience.
Note: For the most current information on Colorado’s cannabis regulations, please refer to the Colorado Marijuana Enforcement Division.
Open your account today to elevate your success!
For legal and legitimate CRBs, joining Safe Harbor has never been easier. You’ll need to submit an application via our website. Please follow these steps:
We also ask you to submit the relevant documentation when applying:
Please get in touch with our team for any further questions about Safe Harbor or the application process.
Yes. Our generous loans program is available to all bank members. After submitting your application, we’ll complete a full business review and document check within 30 days.
You’ll need to submit the following documents when applying:
For further information, see our loan program page.
Yes. All sectors of the cannabis industry need financial services. That’s why we’re open to everyone, from dispensaries to manufacturers. Our expertise covers the following sectors: