Use Cannabis & CBD Real Estate

financing for 
New Construction.
Build Outs.

Upwise Capital provides cannabis real estate financing to owners of cannabis related assets to leverage those assets as collateral.   As a result, this type of cannabis loan provides an excellent cannabis financing option they would otherwise be unable to get approved for, by traditional banks. 

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 cannabis real estate funding for each farm, dispensary, grow facility, processing facility, etc.

Driven by consumer demand and medical potential, the cannabis industry is one of the fastest growing industries in history.   Medical programs are approved in 36 U.S. States, social consumption legalized in 17 U.S. States, federal legalization in Canada, and there are more than 32 countries with approved medical cannabis programs. 

Let's get started.

Step 1 of 3

Data Privacy Protected & Secure

What is A Cannabis Real Estate Loan?

A cannabis real estate loan or cannabis asset-based loan is secured by assets instead of emphasizing cash flow.  This is typically real estate or whatever assets a business has on its balance sheet.  The lender will typically use collateral which can be quickly and easily liquidated.  Assets can also be accounts receivables, equipment, land, crop, purchase orders and inventory.  Cannabis asset backed loans secured by collateral, are most often structured as term loans and revolving lines of credit.

Maximum loan amount

$150K - $200 Million

loan term

1-30 Years Ammortization

Interest rate



As Fast As 2 Weeks



Marijuana Related Business (MRB) real estate loans can be used for building a new cannabis dispensary, facility & more!

Most Customers Who were approved for a Cannabis Real Estate Loan had:

**Based on Previous Upwise Clients

Loan to value (LTV)

Received 75% LTV

Credit Score

Over 600+

Existing Lien



Valued over $250K

Who Qualifies for Cannabis Real Estate Financing?

Would your Cannabis Related Business (CRB) or Marijuana Related Business (MRB) be eligible for a cannabis real estate loan?

If your business owns collateral or assets with value, you have decent credit and you don’t mind leveraging your assets, then marijuana real estate financing might be the best option for you.

Many cannabis real estate loan providers tend to have high eligibility standards, however when it comes to a CRB or MRB – not all lenders accept this industry because it’s still illegal at the federal level.  But with Upwise Capital most Cannabis businesses shouldn’t have a problem qualifying – call us today to tell us about your assets @ (646) 837-5522.

What does Cannabis Real Estate Financing Cost?

You should know how much the cost of capital will cost you no matter what type of financing you’re applying for.

Let’s take a look at a cost example.

Example of a Cannabis Real Estate / Asset Backed Loan / Cannabis Collateral Loan

Let’s say you have a commercial property that you operate your cannabis business out of, that is worth approximately $1.1 Million.

In most cases, the lender will require you to get an appraisal done to determine the value of your property.  

Lets say the properties appraised value was determined to be $1 Million.  In this scenario, Upwise will be able to lend 80% LTV based on the appraised value of the property.  Meaning the loan size will be $800k based on the appraised value on the asset.  

The term length will determine the monthly payment and amortization schedule.  Payments can be interest only, principle and interest, deferred, and an interest reserve may be required.

Consider other fees associated with asset based loans as well.  These fees include but may not be limited to appraisal fees, site survey fees, legal fees, escrow fees, origination fees, packaging fees, prepayment fees, and others.

Don’t overlook fees on your loan offer—be sure to factor any and all small fees you might have to pay in order to understand the true cost of your asset based loan.

In order to understand your loan completely, make sure to ask Upwise for an amortization schedule.  All fees associated with the proposal will be transparently laid out for each borrower in a term sheet.  For more information, please call (646) 837-5522 to speak with an Upwise Real Estate Financing Specialist. 


Who We Serve in the Cannabis + Hemp + CBD Industry

Need a Real Estate Loan? Don’t Wait and Apply Now! 

What are my other 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.

Apply Now

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

We are proud and dedicated to serving small businesses.

Join over 2,500 Clients who love us.

google my business reviews - upwise capital
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
trustpilot 5 star rating upwise capital
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.
best company logo navy
Excellent Service!
Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
Claudio — Business Owner
trustpilot 5 star rating upwise capital
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.
google my business reviews - upwise capital
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.
best company logo navy
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
5 Star Reviews on Google
5.0 Score on BestCompany

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.  

be Prepared

Documents Required for a REAL ESTATE LOAN

The best strategy to follow before you apply for these loans is to be prepared. The more readily available your documentation is, the faster you’ll move through the process.

The following is a checklist of the most commonly collected documents. It can be very helpful to work with your accountant or tax preparer to gather some of the financial documentation.

Personal & Business Tax Returns

Upwise marketplace requires the previous 2 years of business and 1 year of your personal income tax returns.

Profit and Loss Statement

Also known as an “Income Statement,” a Profit and Loss Statement measures a company's financial performance over a specific period of time. This statement includes all revenue and expenses over a given period.

Bank Statements

We require at least 6 months of your business bank statements. If showing more gives us a better picture on how your business performs, feel free to send us a full year of statements. You may have more than one business bank account, so please make sure to include these statements for each account.

Other Documents

These can include entity and location documents such as business licenses, Articles of Incorporation, commercial leases, or franchise agreements.

Driver's License & Voided Check

To ensure all of your information is correct on the contracts, we require a clear copy of you DL & VC to verify this information.

Balance Sheet

This statement provides an overall financial snapshot of your small business. As an equation, it looks like: Assets = Liabilities + Equity. The two sides of the equation must balance out to equal each other.


Most banks require some type of collateral. For Upwise, collateral required depends on the Term loan size. Business term loans from traditional banks and certain online lenders will be the hardest term loan products to qualify for.

Getting a traditional business term loan isn’t easy if you’ve got a low credit score or no collateral to secure that cash with. In fact, collateral might be a requirement for a term loan—depending on the rest of your business’s financials—and you risk losing that collateral if you can’t repay your loan. And while many of these products might not require a specific piece of collateral but, instead, put a “blanket lien” across all your business assets, so the same risk still applies.

marijuana financing farms

We empower people to implement ideas & grow

Upwise has the newest ways and financing options to help you rise 

and become more successful. 

Let us guide you to make wise decisions.

Our Awesome Clients