top of page
Cannabis Header.png

CANNABIS INCOME

Designed for Cannabis business owners and operators

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 self-employed borrowers operating in the cannabis space, helping brokers close more deals and grow their pipeline.

Why This Program Exists

Cannabis business owners and affiliated professionals are frequently:

  • Locked out of conventional financing channels

  • Unable to qualify using standard income documentation

  • 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

The Cannabis Income Program is tailored for self-employed borrowers and cannabis-related businesses, offering:

  • 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

Unlock a High-Growth Niche

The legal cannabis market continues expanding across multiple states, creating a steady pipeline of borrowers underserved by traditional lenders.

Close More Deals

Turn declined files into funded loans by offering a program designed specifically for cannabis-related income scenarios.

Differentiate Your Business

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

Build Strong Referral Networks

Establish relationships with:

  • Cannabis-focused CPAs

  • Real estate agents

  • Business consultants

  • Industry operators

 

These partners are actively looking for lenders who can perform.

Who This Program Serves

Eligible Borrowers Include:

  • Cannabis growers, distributors, and retailers (where legally permitted)

  • Ancillary businesses supporting the cannabis industry

  • Self-employed individuals with cannabis-related income

  • Borrowers declined by banks due to industry, not credit quality

Our Approach

We take a pragmatic underwriting approach:

  • Evaluate real cash flow and business performance

  • Understand industry-specific challenges

  • Structure loans around borrower strengths

 

We focus on making deals work, responsibly and efficiently.

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

I would like more information on:
bottom of page