Cannabis Loans for Retail

Act Now and Benefit from an 85% Approval Rate for Your Funding Needs!

Supporting Creativity & Innovation: The Role of Manufacturers

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Fueling The Top Cannabis Retailers

Discover tailored solutions for cannabis loans for retail with Upwise Capital. Overcome the financial hurdles and unlock the growth potential of your cannabis retail business.

WHY UPWISE FOR CANNABIS RETAILERS

Customized financing options designed specifically for retailers.

Expertise in navigating the complex financial landscape of the cannabis industry

Access to capital for construction, real estate, cash-out refi, equipment & more.

Partner with a trusted financial provider experienced in supporting cannabis entrepreneurs

Cannabis Retail Businesses: Unlock Growth with Cannabusiness Funding

As the cannabis industry continues to thrive, securing reliable financing is crucial for retail dispensaries looking to establish a strong foothold or expand their operations. Whether you’re a budding entrepreneur seeking cannabusiness startup funding or an existing retailer in need of cannabusiness funding to fuel growth, our tailored loan solutions are designed to propel your cannabis venture forward.

With our industry-specific expertise and flexible lending options, we empower you to navigate the unique challenges of the cannabis market and capitalize on emerging opportunities.

How can I use my cannabis retail loan?

cannabis loans for retail

Start-up & Expansion Costs

Leasing or purchasing commercial property

Renovations and buildouts for dispensary spaces

Hiring and training staff

Obtaining licenses and permits

Inventory & Equipment Financing

A cannabis loan for retail can be a valuable resource for financing inventory and equipment needs. With access to capital, dispensaries can secure the necessary funds to purchase initial inventory stocks, ensuring a diverse and well-stocked product range to meet customer demands. Additionally, these loans can facilitate investments in state-of-the-art cultivation equipment, enabling retailers to grow and maintain a consistent supply of high-quality cannabis products.

Furthermore, funding can be allocated towards acquiring processing and packaging machinery, streamlining operations and ensuring compliance with industry regulations. Lastly, cannabis loans can support the upgrade of security and compliance systems, safeguarding both the business and its customers while adhering to local and state laws.

cannabis business financing

Working Capital & Operations

Covering payroll and employee benefits

Financing marketing and advertising campaigns

Managing utility costs and overhead expenses

Bridging cash flow gaps during peak seasons

Cannabis Retail Financing Requirements

Collateral

Valued over $250K

credit score

over 600+

Loan to Value (LTV)

Received 65% LTV

Existing Lien

None

* Note: These cannabis retail financing requirements are based on previous Upwise customers and is just an average.

Apply for Cannabis Loans for Retail Today.

Stay ahead of the curve - get access today!

Get in touch now and harness the power of financing for your retail business.

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Get Access to a Retail Loans for Your Dispensary with Upwise Capital

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Kwon Jason profile picture
Kwon Jason
1 month ago
Leo helped me from the beginning and to the end of this whole process. He helped me to feel at ease and is highly reliable. Thank you.
Trisha Smith profile picture
Trisha Smith
5 months ago
Working with Mike Kowal was truly an exceptional experience from start to finish. He was personable, highly responsive, and consistently communicative, taking the time to educate me throughout the entire process so I fully understood what was happening at every step.

What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.

Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.

The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
HMP Wholesale profile picture
HMP Wholesale
6 months ago
Convenient and aggressively priced rates - beats the market. Craig was great at speeding up the process and making it smooth.
brandon banks profile picture
brandon banks
6 months ago
I was able to secure a business loan in an industry that typically has a hard time getting approved. Craig and the team at Upwise made it happen from start to finish. Professional, responsive, and results-driven. A+ experience all around!
Upwise Capital and Daniel Joseph were great in helping me obtain financing and grow my janitorial business. Mr. Joseph is quick, efficient and professional. Funding was complete in just a few hours. Daniel is very detailed and easy to work with. He stuck with me from beginning to end. Thank you Upwise Capital and Daniel for helping to expand my business. I appreciate all your help.
The rates for loans are horrible, and if you disagree with them, they get angry and hang up on you lol. It is clear they are in business to get the best deal for themselves, not the customer. Leo Lamb, one of their funding managers comes across like a used car salesman. When I called them out for their shady practices, he got very aggravated.

Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Stacy Aleixo profile picture
Stacy Aleixo
11 months ago
The process was very simple and fast! Craig is a pro and helped so much during what I thought would be a stressful transaction. As we know it’s so hard to receive funding for cannabis, or so I thought! I highly recommend Upwise Capital.
Jonathan F profile picture
Jonathan F
2 years ago
Timely efficient, def would work with again, made the processs easy
Hatchet's & More profile picture
Hatchet's & More
2 years ago
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Nothing But Hemp profile picture
Nothing But Hemp
2 years ago
Donna Essner profile picture
Donna Essner
2 years ago
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Merideth Cann profile picture
Merideth Cann
2 years ago
Leo provided a very quick turn around and is a pleasure to work with !
Alba De La Cruz profile picture
Alba De La Cruz
2 years ago
I worked with Leo. He is very attentive and professional.
Mohamed Khanafer profile picture
Mohamed Khanafer
3 years ago
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
Tammy Sockwell profile picture
Tammy Sockwell
3 years ago
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Sharon Johnson profile picture
Sharon Johnson
3 years ago
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
Mike Maffei profile picture
Mike Maffei
3 years ago
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!

Documents You'll Need to Apply

Driver’s License

Voided Business Check

Business Bank Statements (Last 4 Months)

Credit Score

You may also be requested to provide the following for larger dollar amounts over $100K:

Balance Sheet

Profit & Loss Statements

Business Tax Returns

Personal Tax Returns

In the dynamic and rapidly evolving cannabis industry, securing reliable cannabusiness startup funding and cannabusiness funding is essential for retail dispensaries to thrive. By partnering with a lender that understands the unique challenges and opportunities of the cannabis market, you can access the capital you need to establish a strong foothold, expand your operations, and stay ahead of the competition.

Whether you’re a budding entrepreneur or an established retailer, our tailored financing solutions are designed to fuel your growth and propel your cannabusiness to new heights. Explore our comprehensive range of lending options today and unlock the door to success in the exciting world of cannabis retail.

Apply Today for Cannabis Retail Loans

Quick & easy application

Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.

Ensure you make the wise choice

Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.

Access multiple financing options

Upwise has an extensive product suite and a network of 100+ lenders. This means you're more likely to find the best match for your funding needs.

cannabis loans