Industry Guide
Cannabis is one of the most restricted industries in MCA funding. Many funders won't touch it at all due to the federal legal gray area, banking complications, and compliance risk. But the ones that do fund cannabis tend to know the space well and price accordingly — expect higher factor rates and shorter terms compared to mainstream industries.
The biggest challenge for cannabis merchants isn't revenue — many dispensaries and cultivation operations do strong volume. It's the banking. Cash-heavy businesses with limited card processing make traditional MCA underwriting harder. Funders who work with cannabis have adapted their processes to evaluate deposits differently and may accept cash-deposit-heavy bank statements that other funders would decline.
If you're brokering a cannabis deal, lead with the merchant's banking stability, time in business, and license status. Funders want to see a legitimate operation with proper licensing, consistent deposits (even if heavily cash-based), and no recent banking disruptions. Deal sizes range widely — $25K for a small dispensary up to $500K+ for multi-location operators.
Dispensaries need to keep shelves stocked with flower, edibles, concentrates, and accessories. Wholesale purchases from growers and manufacturers require upfront payment.
State licensing fees, renewals, compliance audits, and legal counsel add up fast. These are non-negotiable costs that come on fixed schedules.
Opening a new dispensary or grow facility requires significant buildout — security systems, HVAC, lighting, display cases, and meeting code requirements.
Cannabis businesses face 280E tax burdens that other industries don't. Federal taxes can't be offset by normal deductions, leading to large, unexpected tax bills.
Cash-heavy operations need armored transport, safes, advanced security systems, and sometimes dedicated cash management services — all expensive.
Holidays like 4/20, Black Friday, and summer months bring surges in demand. Stocking up inventory and staffing up for peak periods requires capital ahead of the revenue.
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