Cannabis Acquisition Financing
How cannabis acquisitions are financed
SBA loans and most bank loans are closed to plant-touching cannabis businesses, so acquisitions are funded with cash, seller notes, private credit, sale-leasebacks and equipment finance. These pages compare the options and give dated, sourced terms and rates.
Federal and state law current as of September 2026 — verify with counsel.
Cannabis acquisition financing options
How cannabis acquisitions get funded without SBA or bank loans: seller notes, private credit at mid-teens yields, sale-leasebacks, equipment debt, and equity.
Cannabis loan terms and rates
What cannabis loans cost in 2026: 9.5% to 15.8% by lender tier, SOFR and prime floors, LTV under 60%, senior debt under 2.0x EBITDA, covenants and fees.
Equipment financing for cultivation and extraction
How cannabis equipment loans and leases work: what lessors will fund, purchase-money lien rules, residual-value risk, 280E depreciation limits.
Family-office and private-investor capital
Raising private equity for a cannabis acquisition: Reg D 506(b) vs 506(c), accredited-investor tests, Form D timing, and when investors must be disclosed to…
Financing a distressed acquisition
How distressed cannabis deals get funded: cash and proof of funds, credit bids, buying the senior loan, receiver's certificates, assumed debt.
Private credit and cannabis lenders
Who lends to cannabis businesses in 2026, what public lenders' filings show about loan size, collateral, and underwriting.
Seller financing in cannabis deals
How seller notes work in cannabis sales: typical share of price, rate and amortisation maths, installment-sale tax rules, regulator disclosure.
Why SBA and banks are unavailable
What SBA SOP 50 10 8 actually says about marijuana, hemp, CBD and cannabis landlords, why banks rarely lend, and what GAO found about loan access in 2026.