Cannabis & CBD Financing

can be used for 

Upwise Capital is 100% committed to serving our Cannabis & CBD clients the best financing and payment solutions.  We would like to take part in shaping this young industry by providing both funding and development to the companies with the vision to be the future of the legal cannabis industry.   

As legalization spreads, new & fresh territories open up for those companies who act quickly and decisively to capitalize on new opportunities.  Upwise strives to be the source you turn to whenever you need funds for each product, dispensary, grow house, etc., no matter the use. 

Driven by consumer demand and medical potential, the cannabis industry is one of the fastest growing industries in history.   Medical programs are approved in 35 U.S. States, social consumption legalized in 11 U.S. States, federal legalization in Canada, and there are more than 32 countries with approved medical cannabis programs. 


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Cannabis, Hemp & CBD Services

Who We Serve in the Cannabis + Hemp + CBD Industry

6 Easy Steps for Cannabis + Hemp + CBD Financing

Step 1: Complete the Application

Apply online in just a few minutes or call us directly to apply over the phone at (646) 837-5522, its your choice. We do an initial assessment of your loan request. This will give us an idea up front whether there is enough of a fit to move forward based on our lending guidelines.

Step 2: Review Your Documents

We will collect and evaluate the required documents necessary for the product(s) you are applying for. These documents may include financials, bank statements, tax returns, reports, invoices, business plan, real estate appraisals or vendor quotes, etc.

Step 3: Decline or Approval

If approved, you will receive an offer. The offer may come in the form of a term sheet, letter of intent (LOI), or memorandum of understanding (MOU). The offer may come with conditions that need to be met for final approval such as title work, completion of an appraisal or site inspection.

Step 4: Agree to Terms

Once the conditions of the offer are met and all documents required are received, a final approval is made and a formal loan agreement is structured. The borrower reviews the loan agreement to determine if the terms are agreeable.

Step 5: Sign the Contract

The lender may or may not have flexibility regarding redlining or altering the terms or conditions of the agreement. If the loan agreement is satisfactory for both parties, it is signed and executed and plans for closing are set.

Step 6: Get Your Funds

At closing any necessary closing documents are signed and the loan proceeds are disbursed as specified in the loan agreement. Receive funds into your account via wire transfer or ACH. Can be available as soon as same day.

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Max Loan Amount

What are my funding options?

Cannabis Working Capital Loans

Loan Amount

Up to $20,000,000

Cannabis Working Capital Loans

Upwise offers both secured and unsecured working capital loans for the cannabis, hemp and CBD industry. Every loan we do is unique and custom tailored to the businesses needs. Cannabis working capital can be used for a new location, launching a new product, improving your equipment and many other use of funds.

Apply Now

Cannabis Real Estate Financing

Loan Amount

Up to $50,000,000

Cannabis Real Estate Financing

A Cannabis Real Estate loan is secured by assets instead of emphasizing cash flow, which is typically real estate or whatever assets a business has on its balance sheet. Lender will use collateral which can be quickly and easily liquidated. Assets can also be accounts receivables, equipment, land, crop, purchase orders and inventory.

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Cannabis Equipment Financing

Loan Amount

Up to 100% of Equipment Value

Cannabis Equipment Financing

When your cannabis company needs equipment - Upwise will provide a hassle free equipment lease or equipment financing agreement. Equipment financing helps you finance up to 100% of the new or used equipment you need for your business. Quick & Easy Application Process.

Apply Now

Cannabis Sale & Leasebacks

Loan Amount

Up to $50,000,000

Cannabis Sale & Leasebacks

Upwise aquires freestanding commercial and retail properties from licensed medical-use cannabis businesses. The properties can be leased back to the business for operational costs. We focus on well capitalized operators with a successful track record.

Apply Now

Cannabis Purchase Order Financing

Loan Amount

Up to $50,000,000

Cannabis Purchase Order Financing

Cannabis Purchase Order financing is great for when you need to pay expenses before you can fulfill a certain order. Purchase order or Invoice Financing allows you to free up cash to pay vendors or expenses, before receiving payment from your customers.

Apply Now

Cannabis Acquisition Loans

Loan Amount

Up to $50,000,000

Cannabis Acquisition Loans

A Cannabis Acquisition Loan allows you to buy an existing and hopefully profitable business. You can buy out an existing partner or purchase a well established business. For this type of loan, it's best to be purchasing a thriving company, that will be easy to prove low risk to the lender.

Apply Now

Click the title below for each product to see more information.

Max Loan Amount

$100K to $10MM

Account Receivables

From Quality & Credible Clients

Loan Term

Varies Based on When Customer Pays Account Receivable

Credit Score

Over 600+

Factor Rate

Under 18 %

Time in Business

Greater than 1 Year


As Fast As Same Day

Annual Revenue


Account Receivable Factoring

Accounts Receivable Financing, is a type of asset-based financing solution that allows business owners to free up unpaid receivables. Upwise advances you cash collateralized by your account receivables, giving you an excellent way to put money back into your business. With A/R financing, you can get a fast advance of about 85% of the value of your receivables.

Cannabis Financing

In the cannabis industry, business financing can be hard to secure. While many business owners in the cannabis industry have found workarounds, there is still a lot of confusion about staying compliant.  We know you have questions and we have answers.

States continue to pass new laws regulating the use and cultivation of cannabis.  Each new law passed creates new opportunities for getting your business financing.  We help farmers, cultivators, extractors, processors, trimmers, packagers, labs and more.

We know how critical it can be to a cannabis business to get financing it needs, when you need it.  Often equipment is needed as well to expand business prospects and to capitalize on market opportunities. 

Challenge is our passion

Our team of funding advisors work closely together with you to understand your business and it’s needs to find the right small business loan for you.

We make exceptions and know that every business is different.  Upwise Capital will analyze your cash flow and understand your special circumstances.

We understand that financing a small business, especially a cannabis one can be a challenge that requires more time than most small business owners have in a day. Let us find the WISE decision for you.

Cannabis + Hemp + CBD Services Available From Upwise

Dynamic Banking

Completely transparent and insured banking at your fingertips with trusted banks or credit unions within our network. 

Merchant Services

Upwise Payment Processing accepts all types of credit and debit cards for brick & mortar, e-commerce and wholesale.

Cannabis Financing

Cannabis financing programs provides small businesses with working capital loans of up to $20 million for almost any purpose. 

CBD Financing

CBD Financing can help businesses respond to opportunities and challenges regarding anything CBD or Hemp related.  

We are proud and dedicated to serving small businesses.

Join over 2,500 Clients who love us.

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Very Pleased!
Upwise Capital is absolutely the best! Joe is amazing to work with and we were successful in obtaining PPP funding with little to no stress, which is important during these very difficult times. Will continue to use Upwise Capital for our funding needs.
Jack — Business Owner
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Fast & Easy Process.
After attempts with Bank of America and another bank I had many decades of relationships with; I couldn’t get my PPP approved; mostly due to the huge volume of applicants. Upwise got me funded in 48 hours! Bravo.
Chris — Owner.
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Excellent Service!
Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
Claudio — Business Owner
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Upwise Comes Through!
Joe Lustberg sent me to 2 different SBA Lenders when my bank was not ready to accept PPP applications and the SBA had run out of funds. My company was very busy assisting our clients in their own PPP applications, and here we were unable to apply ourselves. I applied to both lenders and within 1 week we received an approval from 1 of the lenders. Today, we received our funding and I couldn't be more grateful to Joe and his team at Upwise.
Jody — CPA.
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Remarkably Transparent.
Could not have had a better experience. Very professional, very transparent of the whole process, and very responsive to assist during a stressful and confusing time.
George — Co-Founder.
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Very Professional
I needed a new piece of equipment for my asphalt business and was recommended to Upwise by a friend. I showed them the equipment I wanted and who I was buying it from and they got it for me - within 2 weeks it was at my job site being used. Will def use again.
Jose — Business Owner
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