Cannabis
Business Loans
Whether you’re a dispensary, cultivator, manufacturer, or delivery service, we have a solution built for how your business actually works.
- Pay your bills faster
- Purchase more inventory
- Scale your business
Funding Your Success
5,000+
Businesses funded
since 2014
$200 million
Funded since 2014
98%
Approval Rate for qualified applicants
Financing Solutions for Cannabis Businesses
You’re under no obligation when you apply. We offer a free consultation with no upfront fees.
Working Capital
- Access to capital without giving up
equity - Maintain high ledgers with capital
reserves - Flexible funding avaialble
Vendor Financing
- Bridge the gap between payables and receivables
- Purchasing power for operational needs
- Accelerate revenue cycles
Equipment Financing
- Finance new or used equipment
- Flexible repayment schedules
- Working capital available for operational costs
How Clear Skies Capital Can Help Your Business
Get the financing you need today, plus support for your future plans
- Cover Payroll
- Purchase Materials
- Upgrade Equipment
- Remodel Space
- Cover Payables
- Hire Employees
- Bid on Projects
- Improve Marketing
Process Overview
1
Complete the application.
Funding made fast with our easy, minute-long process.
2
Get a decision.
Work with a funding advisor to choose the best option for your business.
3
Receive your funds.
Sign your agreement and access your funds next business day.
Sectors We’ve Helped
Our flexible financing options have allowed us to expand our solutions and make alternative financing easy. Within the cannabis space, we have helped:
- Dispensaries
- Cultivators
- Delivery
- Manufactures
- Ancillary
- Distribution
- Home Producers
- Testing Labs
Easy Qualification
- 6 Months in Business
- 550 Minimum FICO
- $20,000 Monthly Gross Sales
What makes our Cannabis Business Loans better?
We offer efficiency, speed, and competitiveness, all while maintaining an unwavering commitment to personalized service, ensuring every client feels heard, supported, and empowered on their path to success.
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Clear Skies Capital® Cannabis Funding
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Traditional(LOC)
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Traditional(Loan)
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SBA 7(a) Loan
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|---|---|---|---|---|
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Processing Time
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24-72 Hours
|
45+ Days
|
45+ Days
|
45+ Days
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Requirements
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||||
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Business Type
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All Types
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Businesses with operating history (typically more than a year) and revenue
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Businesses with operating history (typically more than a year) and revenue
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Small Business as defined by the SBA
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|
Location
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Operating Business in the United States
|
Varies
|
Varies
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US Only
|
|
Business Plan
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No
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Yes
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Yes
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Yes
|
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Profitable
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Varies
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Varies
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Varies
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Yes
|
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Cash Flow
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< 4 days of negative balances
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Varies
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Varies
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Varies
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Outstanding Debt/Credit
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Credit-worthiness of business assures repayment of loan (FICO + Various measurements)
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Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ No delinquent debt to U.S. government +660+ FICO |
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Collateral
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No
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Yes
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Yes
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Yes
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Money Down
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No
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Yes
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Yes
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Yes
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Terms
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||||
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Loan Amount
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Up to $1 million
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Typically, 60% to 80% of collateral’s assessed value
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Typically, 60% to 80% of collateral’s assessed value
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Up to $5 million
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Interest
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Fixed interest rate with flexible payment terms
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Fixed and variable rate loans, based on qualifications and prime rate
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Fixed and variable rate loans, based on qualifications and prime rate
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Fixed and variable rate loans, subject to SBA maximums pegged to the prime rate
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Repayment Terms
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Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
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Maturity Terms
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Up to 12 months
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Varies, short- and long-term loans
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Varies, short- and long-term loans
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Up to 10 years for working capital
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Out of pocket fees
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No
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Yes
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Yes
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Yes
|
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Prepayment Penalty
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No
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Varies
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Varies
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Yes
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Use of funds restrictions
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No
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Yes
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Yes
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Yes
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Covenants
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No
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No
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No
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Yes
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Hear from our happy clients!
We are proud of our 5 Star Reviews in Google, please read our testimonials.
★★★★★
I had some Challenges because of a recent business situation and somehow J. Thorn got it done.Much appreciated, Paul MoranoOwner Monster Tree Service
★★★★★
Working with this team has been a fantastic experience! They are incredibly responsive and provided me with numerous options to choose from. I highly recommend them for all your financial needs!
★★★★★
Clear skies capital it’s a great company to work with when it comes to solve a financial project they’re very professional and dedicated to approve the loan in a matter of days I’m grateful for them they helped me few times to rich my gol thank you again for all of you guys at clear skies capital
★★★★★
Super easy to work with but what was more important to me was the detailed explanations of how the process works. Having my nerves settled by both Jeff and Josh were much appreciated.
★★★★★
Jeff and Gene at Clear Skies Capital are amazing people. The company is first in class and have become an important part of my business. I can not thank the whole team enough. I will try forever though!!!!
FAQ's
Answers to the most common questions.
No,all of our cannabis financing options are non-dilutive.
At least 6 months in business, $20,000+ in monthly sales, and a business checking account.
4 months of business bank statements and a completed one-page credit application.
Pre-qualification can happen in a few hours. Funding is typically available within 24–72 hours.
No. We start with a soft credit pull that won’t affect your score.
No. We only fund licensed cannabis businesses with active business checking accounts.
We provide fast, transparent funding without requiring equity or real estate, even for cannabis operators.
Clear Skies Capital® is licensed to lend in CA, VA, NY and the 47 other states.