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.
Strategic Financial Support for Cannabis Businesses
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
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.