Transparency Relationships Accommodate Meaningful

Cannabis & CBD

For... Dispensary Cultivation Production Distribution  Consumption Devices Your Small Business

Get Started Today & Speak With An Advisor


Simple Application

Our simple 15 second online application can get you matched with offers in minutes.


No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.


Larger Amounts

Get matched with the best financing options with the highest funding amount.

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Same Day Funding

Our FinTech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

How To Qualify
6 + Months in Business
We fund all businesses, from the most ancient, to those taking their first steps (with 650+ credit) and everything in between.
$5,000 Monthly Gross Sales
If your credit score is 650+ or higher, there are no required sales minimums — TRAM has the perfect financing option for you!
600 FICO Score

You don’t need squeaky clean credit to qualify for a small business loan—we work with all credit profiles.


Easy 15-second application to get options in just minutes and funding in hours!
What is Cannabis Financing
What Can Cannabis Business Loan be used for?

Facility Construction

Hire More Staff

Open A New Dispensary Location

Finance Cannabis Equipment

Manage Cash Flow

Marketing & Advertising

Frequently Asked Questions

TRAM Funding offers cannabis business loans for acquiring commercial real estate, dispensary construction, equipment purchases, and other purposes that will support your cannabusiness. Talk to our cannabis loan specialists today to determine if you qualify.

Down payments vary but they typically range from 10% to 30%. Down the line, you may also apply for refinancing for longer-term payments with lower interest rates.

Bridge loans are short-term borrowings that can be used to purchase new cannabis processing equipment or scaling your operations through a site expansion, remodelling and reconstruction, or acquiring another location.

Yes, even if you have another loan with a bank or lender, your business may still indeed be eligible.  As long as you have not defaulted, have a good payment history and underwriting determines that your business can afford to pay back the loan, you can still qualify for a cannabusiness loan.

Importantly, this will depend on what type of cannabis business loan you are applying for.  For example, a real estate loan is a lot harder to get approved for rather than cannabis equipment leasing. However, here at Upwise we offer a variety of loan options for you to choose from.  In addition to this, each type of cannabis funding has different qualifications so that you can find the best solution that works for you. To ensure you can get qualified and get the best interest rates and terms, you’ll want to have all your finances in order. See below the documents you’ll need to apply.

The rates and terms depend on a wide range of factors that determine your business’ risk score. This includes the product you’re applying for, how long you’ve been in business, credit history, what you’re using the money for, revenue & other financial factors.  To determine which cannabusiness loan is the best fit for your business, speak with a dedicated funding advisor to discuss your needs. Call (212) 7179000 today to compare your options.

YES – It is legal to possess up to 3 ounces marijuana in New York. While medical marijuana has been legal since 2014, recreational marijuana was made legal in 2021.
Right now, there aren’t a lot of options for cannabis financing in New York. Banks are prohibited from dealing with cannabis related funding, limiting your options. 
Luckily, TRAM Funding has the assets available for you to use, with financing terms that can be customized to directly fit your needs. 
View our services or book an appointment to learn more about your options.