California Cannabis Loans

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Fueling

California

Cannabis Businesses

Looking for California Cannabis Loans? You bet, you’ve come to the right place. On this page, we’ll cover everything you need to know about cannabis financing in California. We’ve got your back when it comes to friendly, flexible funding for your cannabis business.

WHY UPWISE FOR

CANNABIS FINANCING IN CALIFORNIA

We offer tailored solutions that work for both small startups and established operations seeking California cannabis funding.
Our team understands local regulations and keeps up with cannabis financing in California so you don’t have to.
Our approval process is simple and quick, so you can keep your focus on growing your business.
We specialize in California cannabis financing options that are fast and flexible.

Callifornia

Cannabis Business Loan Products

Explore our suite of flexible cannabis business loan products designed to provide the capital you need to expand, upgrade and outpace the competition.

Has Cannabis Been Legalized in

California?

California first legalized medical cannabis in 1996, and recreational use followed in November 2016 under Proposition 64 (with sales going live in January 2018). Adults 21 and older can purchase cannabis for recreational use, while individuals 18 and older may purchase it with a valid medical recommendation. Both recreational and medical use are now allowed in the state.

How to Get a Cannabis License in

California?

California offers a range of license types, including those for cultivation, manufacturing, distribution, testing labs, and retail dispensaries. Application fees vary depending on the license category and business size. The California Department of Cannabis Control (formerly the Bureau of Cannabis Control) oversees and regulates the industry. You will have to submit detailed business plans, security protocols, and financial records. It can be a complex process, but you can navigate the system successfully with the right guidance and preparation.

Upwise Capital: Your Partner in Growing

California

Cannabis Ventures

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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!

How Can I Use My Cannabis Loan?

ancillary cannabis businesses

Upgrading Equipment & Infrastructure

Upgrade testing and processing equipment for consistent product safety.
Enhance security measures to meet state regulatory requirements.
Improve ventilation and lighting systems for better plant quality.
Purchase specialized cultivation equipment to boost yields.

Streamlining Operations & Cash Flow

Working capital helps stabilize daily operations so you never miss a beat. It can cover anything from payroll and rent to emergency repairs and new business opportunities. Having accessible funding ensures you always have resources on hand to keep your cannabis enterprise running smoothly.
cannabis business financing
cannabis loans

Expanding Your Retail Dispensary

Stock a wider variety of products and grow your California dispensary loans options.
Renovate or relocate your retail space for better customer experiences.
Hire and train additional staff to serve more customers.
Expand your marketing reach to attract new clientele.

Do Banks Lend to Cannabis in

California?

Traditional banks often hesitate to work with the cannabis industry because of its Schedule I federal classification. That means there’s a conflict between federal and state law, which creates challenges for businesses seeking loans from conventional sources. Fortunately, alternative lending options exist, and Upwise Capital stands ready to help with cannabis loans in California when banks can’t.

How to Apply for a Cannabis

Loan in

California

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

Supporting Success: The Role of Cannabis Businesses in Driving Growth and Innovation

Name(Required)

California

Cannabis Financing: FAQ

Absolutely! Traditional bank loans might be tricky to secure, but that’s where alternative lending steps in. Upwise Capital specializes in California cannabis funding and offers solutions tailored to your unique needs.

Simply complete our online application, provide basic documentation (like your financial statements and license details), and our team will review your info. We often give approval in as little as 24 hours, so you can get started fast.

You could see same-day funding with products like working capital or lines of credit, thanks to direct deposit. Larger deals—like real estate financing or construction loans—may take a few weeks, but we’ll keep you updated every step of the way.

At Upwise Capital, we’ve developed specialized cannabis financing solutions that address every aspect of your business journey. From startup capital to expansion funding, our diverse lending products are tailored to meet the complex demands of the cannabis industry. Our expert team understands your unique market challenges and provides quick, reliable access to the capital you need.

We offer California cannabis financing in every city across the state. That includes (but isn’t limited to) Los Angeles, San Diego, San Francisco, San Jose, Sacramento, Fresno, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Garden Grove, Oceanside, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove, Corona, Lancaster, and everywhere in between. Wherever you are in California, we’re dedicated to helping you grow your operation.

cannabis business loans in california
No matter what stage your California cannabis business is in, we’re here to guide you with the California cannabis funding expertise you deserve. We’ve covered everything from licensing to loan options, with simple steps to help you grow your operation. You bet, when it comes to California cannabis loans, we’ve got your back. Ready to take the leap? Apply today with Upwise Capital, the #1 trusted source for cannabis financing in California, and watch your business flourish.

Why Upwise for

California Cannabis Funding

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