What cities in New York do you offer cannabis funding?

We’re proud to provide New York cannabis financing in every city across the Empire State. Regardless of your location—large or small—we have a funding solution that fits your local market. Here’s a comprehensive list of the official cities in New York: Albany Amsterdam Auburn Batavia Beacon Binghamton Buffalo Canandaigua Cohoes Corning Cortland Dunkirk Elmira Fulton Geneva Glen Cove Glens Falls Gloversville Hornell Hudson Ithaca Jamestown Johnstown Kingston Lackawanna Little Falls Lockport Long Beach Mechanicville Middletown Mount Vernon New Rochelle New York City Niagara Falls North Tonawanda Norwich Ogdensburg Olean Oneida Oneonta Oswego Peekskill Plattsburgh Port Jervis Poughkeepsie Rensselaer Rochester Rome Rye Salamanca Saratoga Springs Schenectady Sherrill Syracuse Tonawanda Troy Utica Watertown Watervliet White Plains Yonkers Wherever you call home in New York, Upwise Capital has a solution for your cannabis enterprise.

UPWISE CANNABIS FINANCING

New York Cannabis Loans

Pursue new opportunities, upgrade operations, support inventory or boost marketing efforts with New York cannabis loans.
Apply today to unlock working capital that supports your cannabis business goals without restrictions
Close the cash flow gap within your company or bridge the financing divide between your short-term and long-term goals.

Stay ahead of the curve - get access today!

Get in touch now and harness the power of our full cannabis product suite.

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Fueling

New York

Cannabis Businesses

Looking for New York Cannabis Loans? You bet, you’ve come to the right page. On this page, we’ll cover everything you need to know about cannabis financing in New York. We’re here to make your funding journey simple and stress-free.

WHY UPWISE FOR

CANNABIS LOANS IN NEW YORK

Our dedicated team supports you at every stage of the loan process.

We provide swift funding approvals in New York with minimal paperwork.

Our streamlined approach to financing lets you focus on growing your business.

Whether you’re just starting out or expanding, we tailor funding for all sizes of operations.

New York

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.

Working Capital

Keep your operations running smoothly with an influx of cannabis working capital. This flexible funding allows you to cover payroll, inventory, taxes, and more.

Line of Credit

A cannabis line of credit gives you on-demand access to funding as you need it. Draw from your credit line to manage cash flow gaps and seize opportunities.

Term Loan

Capitalize on your big growth plans with a cannabis term loan. Get a lump sum of capital to acquire assets or fund major expenditures.

Equipment Financing

Afford the latest cultivation, extraction and processing equipment. Build out your operation with cannabis equipment financing solutions.

Real Estate Loans

Purchasing, refinancing, or building out cannabis properties can grow your business with competitive rates and terms tailored to your investment needs.

Sale-Leasebacks

Unlock cash from your owned real estate through a cannabis sale-leaseback. Reinvest that capital into expanding operations while keeping your facility.

Has Cannabis Been Legalized in

New York?

Yes. New York legalized medical cannabis in 2014 and recreational cannabis in March 2021. Adults aged 21 or older can possess and use recreational cannabis, and certified medical patients must be 18+ with a valid medical card. Both medical and recreational cannabis are regulated by the New York Office of Cannabis Management (OCM) under the Marijuana Regulation and Taxation Act (MRTA).

How to Get a Cannabis License in

New York?

New York offers various cannabis license types, like cultivation, processing, retail dispensaries, and more. Application fees can vary depending on the license category. The Office of Cannabis Management (OCM) oversees these applications and requires background checks, security plans, and thorough business proposals. It can be a detailed process, so careful planning and professional guidance pay off.

Upwise Capital: Your Partner in Growing

New York

Cannabis Ventures

Upwise Capital

4.9

review us on

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

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

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!

Stephanie Terrelonge

8 months ago

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.

AA Fishing Charter Aquaholics Aknotymous

9 months ago

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.

Jonathan F

2 years ago

Timely efficient, def would work with again, made the processs easy

Hatchet's & More

2 years ago

ETC 4 DISPATCH Logistics

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

2 years ago

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

2 years ago

Leo provided a very quick turn around and is a pleasure to work with !

Alba De La Cruz

2 years ago

I worked with Leo. He is very attentive and professional.

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

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

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

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.

Niyetroshia Thomas

4 years ago

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?

Upgrading Equipment & Infrastructure

Retrofit existing facilities to improve efficiency.

Invest in modern lighting, HVAC, and irrigation systems.

Purchase premium extraction and processing equipment.

Enhance security measures with cameras and monitoring tech.

Streamlining Daily Operations

Having access to cannabis loans in New York helps cover everyday costs like payroll, rent, and any curveballs that pop up. A steady flow of capital means you can adapt quickly to market shifts or invest in strategic opportunities without worrying about immediate cash flow. By staying well-funded, your New York cannabis business can thrive and outpace the competition.

Growing Your Retail Presence

Hire more team members to serve a larger customer base.

Launch targeted marketing campaigns to attract new buyers.

Renovate your store layout for a unique shopping experience.

Expand inventory to boost your New York dispensary’s potential.

Do Banks Lend to Cannabis in

New York?

Banks typically hesitate because cannabis is still considered a Schedule I substance under federal law. This conflict between state and federal regulations pushes many cannabis entrepreneurs toward alternative lending. That’s where Upwise Capital steps in, providing New York cannabis funding solutions when banks won’t—ensuring you can access the capital you need to succeed.

How to Apply for a Cannabis

Loan in

New York

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

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Phone(Required)

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Time in Business(Required)

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Business Type(Required)

Use of Funds(Required)

New York

Cannabis Financing: FAQ

Absolutely! Traditional banks often shy away from pot-related ventures, but alternative lending fills that gap. Upwise Capital specializes in New York cannabis funding and tailors solutions to your needs.

Just start with our online application. We’ll ask for essential business documents and licensing details. You could see approval in as little as 24 hours, keeping your cannabis operation moving forward.

You can potentially get same-day funding via direct deposit for working capital and lines of credit. Larger products—like real estate financing and construction—may take a few weeks, but we’ll keep you in the loop 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’re proud to provide New York cannabis financing in every city across the Empire State. Regardless of your location—large or small—we have a funding solution that fits your local market. Here’s a comprehensive list of the official cities in New York:

Albany
Amsterdam
Auburn
Batavia
Beacon
Binghamton
Buffalo
Canandaigua
Cohoes
Corning
Cortland
Dunkirk
Elmira
Fulton
Geneva
Glen Cove
Glens Falls
Gloversville
Hornell
Hudson
Ithaca
Jamestown
Johnstown
Kingston
Lackawanna
Little Falls
Lockport
Long Beach
Mechanicville
Middletown
Mount Vernon
New Rochelle
New York City
Niagara Falls
North Tonawanda
Norwich
Ogdensburg
Olean
Oneida
Oneonta
Oswego
Peekskill
Plattsburgh
Port Jervis
Poughkeepsie
Rensselaer
Rochester
Rome
Rye
Salamanca
Saratoga Springs
Schenectady
Sherrill
Syracuse
Tonawanda
Troy
Utica
Watertown
Watervliet
White Plains
Yonkers

Wherever you call home in New York, Upwise Capital has a solution for your cannabis enterprise.

Yes! Upwise offers a referral partner program with compensation for referrals. To find out more, please visit our partner page here:
https://upwisecapital.com/cannabis-financing/cannabis-partners/
Fill out the form, and someone from our team will get in touch with you right away.

New York’s transition to a fully regulated adult-use cannabis market has opened doors for ambitious entrepreneurs—yet requires strategic planning and robust financial backing. Upwise Capital stands ready to meet those demands with flexible loan options that cover everything from facility upgrades to retail expansion, as well as vital working capital. Our comprehensive knowledge of New York’s evolving regulations allows you to be proactive rather than reactive, safeguarding your business from potential pitfalls. By streamlining underwriting and fast-tracking approvals, Upwise Capital provides a solid foundation for your cannabis success in the Empire State.

New York Cannabis Loans

Stay ahead of the curve - get access today!

Fueling

New York

Cannabis Businesses

New York

Cannabis Business Loan Products

Working Capital

Line of Credit

Term Loan

Equipment Financing

Real Estate Loans

Sale-Leasebacks

Has Cannabis Been Legalized in

New York?

How to Get a Cannabis License in

New York?

Upwise Capital: Your Partner in Growing

New York

Cannabis Ventures

How Can I Use My Cannabis Loan?

Upgrading Equipment & Infrastructure

Streamlining Daily Operations

Growing Your Retail Presence

Do Banks Lend to Cannabis in

New York?

How to Apply for a Cannabis

Loan in

New York

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

New York

Cannabis Financing: FAQ

Why Upwise for

New York Cannabis Funding

LOANS & FINANCING