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CANNABIS INCOME

Built for Dispensary Owners & Distributors

Position yourself as a broker who understands complex borrowers and delivers solutions others can’t. Turn declined files into funded loans by offering a program designed specifically for cannabis-related income scenarios.

Expand Your Lending Reach with our Cannabis Income Program

Loan Amounts from $250K - $3.0M

The cannabis industry continues to grow, but financing options haven’t kept pace. Traditional lenders often decline these borrowers due to regulatory complexity and non-traditional income.​ Our Cannabis Income Program is designed to change that. We provide flexible lending solutions for dispensary owners and distributors, helping brokers close more deals and grow their pipeline.

Why This Program Exists

Dispensary owners and cannabis distributors face unique challenges:

  • Locked out of conventional financing channels

  • High cash-flow businesses that don’t fit agency guidelines

  • Managing complex ownership and revenue structures

 

Yet many are highly profitable and creditworthy. Our program is built to evaluate the true strength of these borrowers, not just what fits inside a traditional lending box.

Program Overview

Our Cannabis Income Program offers flexible qualification solutions tailored to retail and distribution operators:

  • Cannabis-friendly underwriting approach

  • Alternative income documentation options

  • Flexible credit and asset-based qualification

  • Common-sense loan structuring

  • Streamlined wholesale process

 

This is not a workaround; it’s a purpose-built solution.

Program Highlights

  • All doc types

  • $250K minimum loan amount

  • 90% LTV to $2M | 80% LTV to $2.5M | 75% LTV to $3M

  • 660 minimum FICO score required

Key Benefits for Brokers

Focus on a High-Value Segment

Dispensaries and distributors represent some of the most stable and revenue-generating sectors within the cannabis industry.

Close More Non-Traditional Borrower Deals

Provide financing solutions for clients who are often declined due to industry classification, not financial strength.

Differentiate Your Business

Position yourself as a broker who understands complex borrowers and delivers solutions others can’t.

Build Strategic Referral Networks

Establish relationships with:

  • Cannabis-focused CPAs and advisors

  • Commercial real estate professionals

  • Dispensary operators

  • Cannabis distribution companies

 

These partners are actively looking for lenders who can perform.

Important Program Scope

Eligible Borrowers Include:

  • Licensed Cannabis dispensary owners

  • Cannabis distribution companies

  • Ancillary businesses directly supporting retail/distribution

This program is NOT available for Cannabis growers or cultivation-related businesses.

Program Availability by State

  • Arizona

  • California

  • Colorado

  • Connecticut

  • Illinois

  • Maryland

  • Michigan

  • Minnesota

  • Montana

  • Nevada

  • New Jersey

  • New Mexico

  • Ohio

  • Oregon

  • Washington

Our Approach

We focus on practical, real-world underwriting:

  • Evaluate real cash flow and business performance

  • Understand the operational realities of dispensaries and distributors

  • Structure loans around borrower strengths

 

We’re not trying to fit borrowers into a box, we’re building solutions around them.

Why Brokers Partner with 5th Street Capital

  • Expertise in non-QM and complex borrower scenarios

  • Responsive, broker-focused support

  • Fast decision-making and clear communication

  • Solutions designed to help you scale

 

More approvals mean more closed loans, and more revenue for your business.

Learn More

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