SBA & Term Loans · Cannabis & Hemp Processing
SBA & Term Loans for Cannabis & Hemp Processing shops
Bigger projects. Longer terms. We match cannabis & hemp processing manufacturers with the sba & term loans 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 sba & term loans
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.
SBA & Term Loans is one of the most direct ways to close that gap. Longer-term, lower-cost capital for growth, real estate, or acquisitions.
What cannabis & hemp processing shops get
- Longer amortization (up to 10–25 years for real estate)
- Competitive rates for qualified borrowers
- Preserves cash for operations
How it works
- 1We help you pre-qualify and prepare a clean loan package.
- 2The package is referred to SBA-preferred or conventional lenders that fit your profile.
- 3Underwriting closes with a full doc set.
- 4Funds are disbursed per use of proceeds.
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 sba & term loans
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
Equipment Financing for Cannabis & Hemp Processing
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Cannabis & Hemp ProcessingInvoice 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 ProcessingAsset-Based Lending (ABL) for Cannabis & Hemp Processing
Revolving lines secured by receivables, inventory, and equipment.
Explore Asset-Based Lending (ABL) for Cannabis & Hemp ProcessingSBA & Term Loans for other manufacturing niches
Frequently Asked Questions
Yes — sba & term loans is one of the programs we most commonly place for cannabis & hemp processing shops. Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt. Full mechanics: the SBA & Term Loans 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.
SBA loans typically take 60–120 days from complete application to funding. We help you assemble a clean package up front to keep the timeline as short as possible.
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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