Cannabis Startup Loans

or Call: 866-742-0776 ext. 3

Access the funding needed to start retail, cultivation, and other types of businesses in the cannabis industry.


The right solution to financial success in the cannabis industry.


Lender420 offers cannabis startup loans for diverse businesses, including grow operations, retail stores, edibles manufacturers, dispensaries, and much more.


An unsecured capital cash program for cannabis businesses


Does it seem impossible to access the capital you need to start or scale your cannabis business? Federal laws prevent most traditional lenders from serving the legal cannabis industry. You still have options, though.


Lender420’s unsecured capital cash program can provide up to $250,000 per signer or owner. If you have a FICO score of 680 or higher, Lender420 can probably help your business thrive.


Types of businesses funded by Lender420


Lender420 has diverse experience working with businesses in the legal cannabis industry. Some of the marijuana businesses that have received funding include:


  • App developers
  • Beauty product makers
  • Cannabis accessory makers
  • Cannabis processors
  • Cannabis producers
  • Cannabis retailers
  • Concentrate producers
  • Delivery services
  • Dispensaries
  • Edibles sellers
  • Licensed distributors
  • Packaging designers and manufacturers
  • Security services
  • Software developers


If you work in the legal cannabis sector, Lender420 probably has startup loan options that match your needs.


Lender420 has helped more than 600 businesses


The best cannabis startup loans come from lenders with ample experience in the industry. Lender420 has already helped more than 600 businesses and partners. Lender420 created its unsecured cash capital program with businesses like yours in mind.


Access up to $250,000 in cash per signer or owner.


Work with an experienced team


Lender420’s team members have years of experience in cannabis businesses and lending. Many of the professionals spent time working for some of the largest banks in the world. That means they’ve seen the challenges cannabis startups face when they try to borrow money from traditional lenders.


At Lender420, you get a straightforward application process and clear loan terms that contribute to your cannabis business’s success.


Frequently asked questions about cannabis startup loans


How long does it take to get approved for a cannabis startup loan?


Lender420 makes it as easy as possible to get approved for cannabis startup loans. If you have a cannabis business license and a FICO score of 680 or higher, you probably qualify for an unsecured cash loan. Complete an online application to get quick approval.


Why can Lender420 offer loans when traditional banks can’t?


Most traditional banking institutions won’t work with the cannabis industry because the federal government considers cannabis illegal. Lender420 is a private lender that doesn’t need to worry about federal regulations as much as large banking institutions. That gives you more opportunities to access the startup funding your business needs.


How much can cannabis businesses borrow?


Lender420 can provide up to $250,000 in cannabis startup loans per business owner or signer. If your business has four co-owners, you could qualify for up to $1 million in startup funding.


How much interest do borrowers pay for startup loans?


Lender420 considers several factors when determining an applicant’s interest rate. Your startup loan’s interest rate might depend on factors like:

  • How much capital you already have
  • Whether you have previous success in the cannabis industry
  • The type of cannabis business you want to start or scale
  • How much money you borrow
  • The business owner’s FICO score
  • The specifics of your business plan


Are cannabis startup loans legal?


Cannabis startup loans are legal under many state laws. The federal government hasn’t legalized cannabis yet, but a growing number of states have opened their economies to the legal cannabis industry. Check your local laws to determine whether you can start a cannabis business.


How can I get a cannabis business license?


Each step has a unique process for obtaining cannabis business licenses. In many cases, the process differs depending on the type of business you want to start. Most states have different licensing requirements for cannabis cultivators, delivery services, storefronts, and other businesses.


What can I spend cannabis startup loan money on?


Unsecured cash loans give you the flexibility to spend money in the right way for your startup. You don’t necessarily have to spend money on specific items, such as equipment or merchandise. You could, for example, choose to spend the money on an auction that lets you purchase cannabis products at low prices.


How you plan to use the money could influence whether you qualify for a cannabis startup loan and what interest rate you pay. If you already have a strategy in place, communicate it to your lender to see how it influences your cannabis startup loan terms.


Are there other loan options for cannabis businesses?


Yes! Lender420 also has cannabis business loans, real estate loans, and equipment loans. If you know you want to spend money on real estate or equipment, applying for that specific type of loan usually makes sense. Doing so could mean you qualify for a higher loan amount or pay a lower interest rate.


Learn more about your cannabis business loan options by filling out an application with Lender420.


  • Capital Advisory, Investment Capital, and Private Debt/Equity Options Provided by Infront Advisors
  • No-obligation insurance quotes provided by SkyFront Insurance.

Loans made pursuant to Department of Business Oversight California Finance Lenders Law License. License 60DBO-4553


The cannabis real estate industry is rapidly evolving and Lender420 is increasingly providing very effective financing solutions to operators looking to acquire an asset or complete a construction project.

Lender420 is one of the only lenders in the cannabis industry to provide fully uncollateralized working capital financing to licensed operators and ancillary companies. These financings are term loans that are customized to the needs of the borrower.

More cannabis companies are expanding their operations to meet the growing patient and consumer need in every regulated market. New Equipment acquisitions and the ability to leverage existing equipment is critical to both growth and efficiency gains and Lender420 provides some of the most competitive terms in the market.