Providing Unlimited Possibilities
Providing Unlimited Possibilities
Regulated Industry Notice (Read First)
REP Financial can facilitate introductions to private-capital partners for cannabis and cannabis-adjacent businesses. Funding is subject to state laws, licensing status, lender criteria, and asset structure. We do not provide legal advice.
Cannabis & Regulated Industry Funding
Private-capital options for cannabis real estate, equipment, and expansion—structured for compliance and speed.
Cannabis funding isn’t “one-size-fits-all.” The right capital depends on whether you’re THC-touching, ancillary, or hemp/CBD, and what collateral you can offer. Our role is to help you present a lender-ready scenario and match you to the right capital lane.
Best-fit scenarios:
Licensed operators with verifiable revenue
Real estate–backed requests (purchase, refinance, sale-leaseback)
Equipment / build-out / expansion with documented budgets
What lenders want to see
Active license + state compliance
12 months revenue (preferred)
Clear use of funds + sources/uses
Real estate / equipment collateral (strongly preferred)
Transparent ownership structure
Best fit for licensed operators and ancillary businesses with verifiable operations and real collateral.
Cannabis Real Estate Loans
For owner-occupied facilities or investor-owned real estate leased to licensed operators.
Common uses
Purchase of facility
Refinance / cash-out
Expansion / improvements
Debt consolidation tied to property
Typical structures
First lien mortgages
Bridge loans (short-term)
Sale-leaseback (qualified operators)
General ranges (display as “typical” not “guaranteed”)
$500K – $25M+
60–75% LTV (case-by-case)
Terms 12–120 months (structure-dependent)
Equipment + Build-Out Financing
For HVAC, lighting, extraction equipment, processing lines, security upgrades, and tenant improvements.
Common uses
New equipment purchase
Replacement / upgrade
Build-out budgets tied to invoices
Installation + commissioning costs
What helps approval
Paid invoices / bids / purchase orders
Proof of operations and revenue
Strong operator + compliance partner
Working Capital (Selective)
This lane is higher cost and more restrictive. We prioritize real collateral and transparent cash-flow.
Common uses
Expansion costs
Staffing + ramp-up
Marketing, packaging, distribution growth
Note: Many lenders avoid direct THC cash-flow exposure; we’ll evaluate fit before matching.
Ancillary + Hemp/CBD Funding
If you’re not touching THC revenue directly (packaging, software, construction services, equipment suppliers), or you’re hemp/CBD compliant, financing options may be broader.
Examples
Packaging & labeling
Logistics & distribution (non-THC handling)
SaaS / POS / compliance tools
Hemp/CBD manufacturing (documentation required)
Best fit for licensed operators and ancillary businesses with verifiable operations and real collateral.
Complete the Cannabis Intake (2–4 minutes)
We confirm compliance + fit (license, collateral, use of funds)
We structure a lender-ready snapshot (sources/uses, collateral, docs checklist)
Introductions to aligned private-capital partners
To protect your time, we generally require:
State + license type (or clear application status)
Operating history (prefer 12+ months for THC-touching)
Verifiable revenue (for most non-real-estate requests)
Use of funds + budget
Ownership transparency (no hidden partners)
Do you fund startups?
Typically capital partners will work only with strong real estate collateral, experienced operators, and complete documentation.
REP Financial provides capital introduction and funding consulting services for business-purpose transactions. We are not a lender, mortgage broker, nor loan originator, and do not negotiate loan terms.
Can you fund in every state?
Funding depends on state legality, licensing status, and lender appetite.
Do you do working capital for dispensaries?
Selective. We’ll screen for compliance, cash-flow, and structure.
Do you provide legal advice?
No. We can recommend you work with a qualified cannabis compliance professional and attorney.
Important: REP Financial is not a bank and does not provide legal or tax advice. All financing options are subject to lender underwriting, state regulations, licensing status, and collateral review.