Cannabis & CBD Financing
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
- Cannabis Retail
- Cannabis Wholesalers
- Cannabis Producers
- Cannabis Processors
- Cannabis Grower
- Cannabis Dispensaries
- Cannabis Security & Delivery
- CBD Producers
- CBD Products
- CBD Manufacturing
- CBD Retailers
- CBD Beauty Products
- CBD Health Products
- CBD Wholesalers
- Hemp Producers
- Hemp Processors
- Hemp Products & Applications
- Hemp Manufacturing
- Hemp Retailers
- Hemp Wholesaler
- Edible Producer
- Edible Manufacturing
- Edible Retailers
- Edible Wholesaler
- Edible Products
- Marijuana Retail
- Marijuana Wholesalers
- Marijuana Producers
- Marijuana Processors
- Marijuana Grower
- Marijuana Dispensaries
- Marijuana Security & Delivery
- Weed Producers
- Weed Products
- Weed Manufacturing
- Weed Retailers
- Weed Beauty Products
- Weed Health Products
- Weed Wholesalers
- THC Producers
- THC Processors
- THC Products & Applications
- THC Manufacturing
- THC Retailers
- THC Wholesaler
- THC Topical Products
- THC Concentrate Products
- Dab, Wax, Shatter Producers
- Smoking Accessories
- Glass & Pipes Wholesaler
- Marijuana Infused Products
- Cannabis Accessories
- Retail Dispensaries
- Medical Marijuana Products
- Live Resin Producer
- Shatter Retailer
- Cannabis Lending
- Hemp Business Loans
- Cannabis Funding
- CBD Financing
- Hydroponics Equipment Financing
- Dispensary Loans
- CBD Working Capital Loans
- Hash Manufacturing
- Weed Financing Products
- Cannabis Equipment Lease
- CBD Business Loan
- Start Up Cannabis Loan
- Marijuana Industry Loans
- Hash Producers
- Hemp Funding
- Cannabis Industry Loans
- Tincture Manufacturing Loans
- Seed to Sale Funding
- Dispensary Funding
6 Easy Steps for Cannabis + Hemp + CBD Financing
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.
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.
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.
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.
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.
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.
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 NowCannabis 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.
Apply NowCannabis 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 NowCannabis 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 NowCannabis 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 NowCannabis 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 NowClick 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
Speed
As Fast As Same Day
Annual Revenue
200K+
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.
- No Need to Wait for A/R Payment from Customers
- Based on Credit of the Receivable's Business
- Account Receivable is used as Collateral
Max Loan Amount
$25K to $20MM
Unsecured Line of Credit
Profitability
Shown on Tax Returns
Loan Term
5 to 30 Years
Credit Score
620+
Interest Rate
7 % - 30 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Days
Annual Revenue
Over $200K
Term Loan
A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-off investment for their small business.
- Bi-Weekly & Monthly Payments
- Longer Payment Terms
- Lower Interest Rates
Loan Amount
Up to 100% of Invoice Amount
Invoices
From Quality & Credible Clients
Repayment
When Customer Pays Invoice
Credit Score
600+
Factor Rate
8 % - 30 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
150K+
Invoice Financing
Invoice financing, often called accounts receivable financing, is a type of asset-based financing solution that allows business owners to free up unpaid invoices. Invoice financing companies advance you cash collateralized by your accounts receivable, giving you an excellent way to put money back into your business. With invoice financing, you can get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later.
- No Need to Wait for Invoice Payment from Customers
- Low Interest Rates
- Invoice is used as Collateral
Loan Amount
$5K to $5MM
History
Positive Payment History
Loan Term
3 to 18 Months
Credit Score
Over 500+
Factor Rate
1.10 - 1.36
Time in Business
Greater than 6 Months
Speed
As Fast As Same Day
Annual Revenue
120K+
Working Capital Bridge Loan
With this product, you are advanced cash in exchange for a percentage of your daily credit card and debit card sales, or your monthly revenue. Working Capital can be a quick and easy way to get a business cash advance with no need for collateral, even if you don’t have a good credit score.
- Minimal Paperwork, Easy Approval & Fast Funding
- Bad Credit Accepted
- Prepayment Discounts for Early Payoff
Loan Amount
$5K to $250K
Unsecured Line of Credit
Loan Amount
$100K to $10MM
Secured Line of Credit
Loan Term
6 Months to 2 Years
Credit Score
500+
Secured Line of Credit: 620+
Interest Rate
7 % - 25 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
$150K+
Line of Credit
A revolving business line of credit gives access to a pool of funds to draw from when a business owner needs capital. Unlike a traditional business loan, you have the flexibility to borrow up to a set amount, repaying only the amount you withdraw, plus interest.
- Weekly or Monthly Payments
- Only Pay Interest on the Funds you Draw
- Save on Interest by Paying Back Early
Max Loan Amount
$150K to $200MM
Secured by Assets
Collateral
Valued Over $150K
Loan Term
1 to 30 Years
Credit Score
620+
Interest Rate
6 % - 12 %
Time in Business
Greater than 3 Years
Speed
As Fast As 2 Weeks
Annual Revenue
Over $200K
Real Estate Financing
An asset-based 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. Asset backed loans secured by collateral offered by Upwise are most often structured as term loans and revolving lines of credit.
- Interest Only & Monthly Payments
- Larger Loan Sizes
- Lower Interest Rates
Max Loan Amount
Up to 100% of Equipment Value
History
Good Financial History
and Tradelines
Loan Term
1 to 8 Years
or Expected Life of Equipment
Credit Score
500+
Interest Rate
As Low As 4 %
Time in Business
6 Months +
Start Ups Encouraged to Apply
Speed
As Fast As 2 Days
Annual Revenue
100K
Equipment Financing
Equipment financing helps you finance up to 100% of the new or used equipment you need for your business. A fast and easy way to finance the purchase of all types of equipment. With a secured loan against your equipment, you can take advantage of the equity in your existing equipment, or use newly-purchased equipment as collateral.
- Avoid large upfront costs for equipment purchased
- Monthly Payments
- Equipment used as collateral
Loan Amount
$5K - $5MM
History
Positive Payment History
Loan Term
3 Months to 2 Years
Credit Score
500+
Interest Rate
9.99 % - 24.99%
Time in Business
6 Months +
Speed
As Fast As Same Day
Annual Revenue
120K+
Short Term Loan
Short-term business loans are lump sum loans that are designed to be paid back in less than 18 months. They can be a flexible financial tool, best used for financing short-term needs—including managing cash flow, dealing with unexpected needs for extra cash, bridging larger financing options, paying off expensive debt, or taking advantage of unforeseen business opportunities.
- Bad Credit Accepted
- Minimal Paperwork & Fast Funding
- Prepayment Discounts for Early Payoff
Max Loan Amount
$5K to $5MM
Unsecured Line of Credit
Max Loan Amount
$350K
SBA 7(a) Small & Express Loans
Loan Term
5 to 30 Years
Credit Score
650+
Interest Rate
Starting at 6.75 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Weeks
Annual Revenue
Over $200K
SBA Loan
SBA loans are business loans guaranteed by the Small Business Administration. SBA guaranteed loans can range from small to large and can be used for most business purposes.
- Monthly Payments
- Longest Payment Terms
- Low Interest Rates
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.
- Offer every product available for small businesses
- Competitive & Flexible Rates, Terms & Payment options
- We know our loans, your know your business, lets make the wise choice together

Cannabis + Hemp + CBD Services Available From Upwise
Dynamic Banking
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.
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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.
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.
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Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
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.
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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.