Invoice Factoring · Cannabis & Hemp Processing
Invoice Factoring for Cannabis & Hemp Processing shops
Get paid now for work you've already delivered. We match cannabis & hemp processing manufacturers with the invoice factoring structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why cannabis & hemp processing shops choose invoice factoring
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.
Invoice Factoring is one of the most direct ways to close that gap. Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
What cannabis & hemp processing shops get
- Cash within days instead of 30–90 days
- Line grows with your sales—no fixed cap
- Underwriting focuses on your customers' credit, not just yours
- Frees up working capital for materials, payroll, and new orders
How it works
- 1You invoice your customer as usual after delivery.
- 2The factoring partner advances a large percentage of that invoice (often 80–95%) within days.
- 3Your customer pays the factor directly on their normal terms.
- 4You receive the remaining balance, less a small factoring fee.
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 referred for invoice factoring
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
Other programs that fit cannabis & hemp processing
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Revolving lines secured by receivables, inventory, and equipment.
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Frequently Asked Questions
Yes — invoice factoring is one of the programs we most commonly place for cannabis & hemp processing shops. Manufacturers with creditworthy commercial or government customers that pay on net-30, net-60, or net-90 terms. Full mechanics: the Invoice Factoring program page. Sector overview: Cannabis & Hemp Processing.
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.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
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.
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.
Not usually. Factoring underwriting weighs the credit of the customers who owe you money much more heavily than your personal credit. Manufacturers with challenged credit are often still approved.
- Underwriting focuses on your customers' credit and payment history, not yours.
- Challenged personal credit, thin files, and past bankruptcies can still qualify.
- You need B2B or B2G invoices on net-15 to net-90 terms.
- Baseline volume is about $25K or more in monthly revenue.
- Not sure your file clears it? Score your readiness first.
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.
Apply. Fund. Deliver. No obligation.
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