
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:
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Locked out of conventional financing channels
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Unable to qualify using standard income documentation
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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:
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Cannabis-friendly underwriting approach
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Alternative income documentation options
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Flexible credit and asset-based qualification
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Common-sense loan structuring
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Streamlined wholesale process
This is not a workaround; it’s a purpose-built solution.
Program Highlights
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All doc types
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$250K minimum loan amount
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90% LTV to $2M | 80% LTV to $2.5M | 75% LTV to $3M
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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:
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Cannabis-focused CPAs
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Real estate agents
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Business consultants
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Industry operators
These partners are actively looking for lenders who can perform.
Who This Program Serves
Eligible Borrowers Include:
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Cannabis growers, distributors, and retailers (where legally permitted)
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Ancillary businesses supporting the cannabis industry
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Self-employed individuals with cannabis-related income
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Borrowers declined by banks due to industry, not credit quality
Our Approach
We take a pragmatic underwriting approach:
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Evaluate real cash flow and business performance
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Understand industry-specific challenges
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Structure loans around borrower strengths
We focus on making deals work, responsibly and efficiently.
Why Brokers Partner with 5th Street Capital
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Expertise in non-QM and complex borrower scenarios
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Responsive, broker-focused support
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Fast decision-making and clear communication
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Solutions designed to help you scale
More approvals mean more closed loans, and more revenue for your business.
