Cannabis Business Loans
Keep your operation moving with financing evaluated around your revenue, business history, and funding needs.
Explore capital for inventory, equipment, payroll, or expansion with GoKapital.
For operating businesses with verifiable revenue. Availability and approval depend on the business, location, and funding provider.
Your Capital Plan.
Tell us what you need, how much you need, and how your business earns revenue.
Financing for Cannabis Operators
Your business model matters. GoKapital reviews your operation before identifying funding options that may fit.
Dispensaries
Support inventory purchases, staffing, security upgrades, and day-to-day operating needs.
Cultivators & Processors
Discuss equipment purchases, facility improvements, and working capital tied to your operating cycle.
Ancillary Businesses
Explore funding for packaging, technology, distribution support, and other cannabis-related services.
Industry acceptance, required licenses, and eligible uses vary by funding provider and location.
Put Your Capital to Work
Inventory & Cash Flow
Coordinate supplier payments and replenishment while managing the gap between expenses and collected sales.
Equipment & Technology
Evaluate funding for eligible equipment, point-of-sale systems, packaging tools, or operational upgrades.
Staffing & Operations
Cover payroll, rent, and other operating expenses with a funding request based on your repayment capacity.
Improvements & Expansion
Plan a renovation or growth project with a clear budget, documented revenue, and realistic cash-flow projections.
Match the Funding to the Need
Revenue-Based Funding
Potential options may include business loans or merchant cash advances, depending on your business profile and provider eligibility.
A cash advance is a purchase of future receivables and differs from a loan. Review the actual agreement.
Equipment Financing
Ask about financing for an identified equipment purchase. Equipment, vendor, and industry eligibility must be confirmed.
Learn About Equipment Financing →Real Estate Financing
Discuss business-property purchases or refinancing separately. Property use, value, and cannabis tenancy require review.
Explore Real Estate Financing →Prepare for Your Funding Review
Start with an operating business and financial records that show how it earns revenue. These items help us assess the request; they do not guarantee qualification.
Your Business Profile
Documents to Have Ready
- Four recent business bank statements
- Business and owner identification
- Applicable operating licenses
- Requested amount and intended use of funds
- Equipment quote or property details, when relevant
Additional statements, financials, or documents may be requested. Minimum revenue and credit requirements vary by program.
From Application to Funding Decision
Share Your Request
Provide your business details, revenue, requested amount, and planned use of capital.
Review Available Options
Submit the requested documents. If options are available, compare structure, cost, payment frequency, and conditions.
Finalize the Agreement
If approved, review and sign the agreement and complete any remaining requirements before funds are released.
Timing depends on document completeness, provider review, and the type of financing.
Your Cannabis Financing Questions
Can I Apply Before My Business Opens?
This page is intended for operating businesses with verifiable revenue. Pre-opening businesses should discuss their situation with a specialist before submitting a funding request.
Does Every Cannabis Business Qualify?
No. Your business model, location, licensing, revenue, credit profile, and existing obligations affect eligibility. A provider must also accept your industry and intended use of funds.
Can I Apply With Less-Than-Perfect Credit?
You can ask for a review, but approval is not guaranteed. Credit is evaluated alongside business revenue, operating history, bank activity, and existing debt.
How Do I Compare the Cost of an Offer?
Review the net amount received, all fees, total repayment or purchased receivables, payment frequency, estimated duration, and any prepayment or reconciliation provisions. Ask for clarification before signing.
Is a Merchant Cash Advance the Same as a Loan?
No. An MCA involves the purchase of future receivables. A loan creates a debt obligation. Compare the actual contract terms, including how payments or remittances are calculated.
How Quickly Can I Receive Funding?
There is no single timeline for every request. Document completeness, business eligibility, underwriting, and the financing structure determine how long the process takes.
Plan Your Next Move With GoKapital
Tell us about your operation and funding goal. We’ll help you understand which options may be available.
866-257-2973 · Monday–Friday, 9 AM–6 PM ET
All financing is subject to eligibility, underwriting, provider terms, and applicable requirements. Submission of an application does not guarantee approval or funding.