Working Capital · Cannabis & Hemp Processing
Working Capital for Cannabis & Hemp Processing shops
Cover the gap between orders and cash. We match cannabis & hemp processing manufacturers with the working capital 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 working capital
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.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What cannabis & hemp processing shops get
- Fast decisions with minimal paperwork
- Uses vary: payroll, materials, repairs, marketing, buyouts
- No equity given up
How it works
- 1Submit a quick app so we can identify the right program.
- 2Provide bank statements and basic financials.
- 3Receive offers with terms and pricing—choose what fits.
- 4Funds land in your operating account.
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 working capital
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 ProcessingWorking Capital for other manufacturing niches
Frequently Asked Questions
Yes — working capital is one of the programs we most commonly place for cannabis & hemp processing shops. Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity. Full mechanics: the Working Capital 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.
Amounts depend on revenue, time in business, and cash flow. Many manufacturers qualify for lines that scale with their monthly deposits.
- Facilities typically range from $25K to $5M.
- Approval leans on monthly revenue and bank activity more than collateral.
- Lines often scale with your average monthly deposits.
- Most programs want at least 6 months in business.
- If you invoice other businesses on terms, compare against invoice factoring.
- Score your readiness to see what size line your revenue supports.
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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