Is asset-based lending (abl) a good fit for cannabis & hemp processing?

Yes — asset-based lending (abl) is one of the programs we most commonly place for cannabis & hemp processing shops. Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line.

How fast can a cannabis & hemp processing shop get funded?

It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.

Do you charge cannabis & hemp processing manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can a cannabis or hemp business get an SBA loan?

State-licensed, plant-touching THC businesses cannot get SBA loans because cannabis remains a Schedule I controlled substance federally and SBA programs require federal legality. Federally legal hemp processors under the 0.3% THC threshold may qualify for SBA and other bank programs on the same basis as any manufacturer.

Can a THC-licensed operator use invoice factoring?

Rarely, and only in limited cases. Most factoring companies decline plant-touching cannabis receivables due to federal illegality and banking restrictions. Some ancillary or hemp-derived revenue tied to the same operator may still be factorable if it's cleanly separated from THC sales.

How is ABL different from factoring?

ABL is a revolving line you draw against; factoring is the outright sale of specific invoices. ABL usually has lower cost of capital but stricter eligibility and monthly reporting requirements.

Hemp processing facility with drying and extraction equipment

Asset-Based Lending (ABL) · Cannabis & Hemp Processing

Asset-Based Lending (ABL) for Cannabis & Hemp Processing shops

Borrow against what you already own. We match cannabis & hemp processing manufacturers with the asset-based lending (abl) structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why cannabis & hemp processing shops choose asset-based lending (abl)

If you're processing hemp under the 0.3% THC federal threshold — CBD extraction, fiber, grain, or hemp-derived ingredients — you're operating a legal federal business and a real slice of the financing market is open to you: equipment financing, invoice factoring on non-plant-touching receivables, and working capital lines from lenders who understand the crop.

If you're a state-licensed THC cultivator, processor, or dispensary supplier, the picture is different, and we're not going to sugarcoat it. Because cannabis is still a Schedule I substance federally, SBA loans and most bank credit, and the majority of factoring facilities, are simply off the table for plant-touching activity — that's a federal restriction, not a reflection of your business quality.

Asset-Based Lending (ABL) is one of the most direct ways to close that gap. Revolving lines secured by receivables, inventory, and equipment.

What cannabis & hemp processing shops get

Line scales with your business
Often more flexible than traditional bank debt
Rates typically lower than factoring for the right profile

How it works

1The lender evaluates the value of your eligible collateral (AR, inventory, equipment).
2A borrowing base formula determines your available line.
3You draw and repay as needed, with monthly reporting.

Cash-flow realities we see in cannabis & hemp processing

No access to SBA loans or most bank credit for state-licensed, plant-touching THC operations
Limited factoring and asset-based lending availability due to federal illegality of cannabis
280E tax treatment compressing after-tax cash even when revenue is strong
Cash-intensive operations from limited banking access adding security and handling costs
Extraction, drying, and processing equipment costs with few conventional financing sources

Get placed into asset-based lending (abl)

Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.

✓ No application, origination, or closing fees
✓ No equity given up
✓ US-based cannabis & hemp processing shops only

Quick app for cannabis & hemp processing

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

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Company

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How much do you need?

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Other programs that fit cannabis & hemp processing

Equipment Financing for Cannabis & Hemp Processing

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Cannabis & Hemp Processing

Invoice Factoring for Cannabis & Hemp Processing

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Explore Invoice Factoring for Cannabis & Hemp Processing

Asset-Based Lending (ABL) for other manufacturing niches

Asset-Based Lending (ABL) for Food & Beverage Manufacturing Asset-Based Lending (ABL) for Medical Device Manufacturing Asset-Based Lending (ABL) for Metal Fabrication Asset-Based Lending (ABL) for Plastics & Injection Molding

Frequently Asked Questions

Ready to keep production moving?

Start with a quick app or a phone call. We'll tell you exactly what the right program requires—at no charge.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.