Lending Services
Cannabis Real Estate Lending & Business Working Capital
Licensed cannabis operators need lenders who understand the regulatory framework and the economics. Rair Capital brings both real estate debt and fast-moving working capital to the table.
Real estate
Cannabis Real Estate Lending
Leverage Rair Capital's relationships with banks, credit unions, and debt funds that actively lend against licensed cannabis real estate. Our platform puts your property in front of lenders who understand the asset class, underwrite state-regulated operators, and can close quickly. Loan-to-values typically range from 65% to 70% of appraised value, and structures can be tailored to owner-occupied facilities, third-party leased assets, and ground-up cultivation or processing builds.
- Loan Amount
- $150,000 to $100,000,000+
- Term
- 1 to 30 years
- Interest Rates
- 6% to 16%
- Time to Fund
- As soon as 14 business days
Products
Acquisitions & Refinance
Purchase a licensed facility or refinance existing debt into a longer term, lower-cost structure with lenders who price cannabis real estate on its fundamentals.
Construction Loans
Fund ground-up cultivation, processing and dispensary builds with draw schedules aligned to your construction timeline and licensing milestones.
Sale-Leaseback
Unlock the equity in property you already own by selling the real estate and signing a long-term lease, converting a hard asset into growth capital.
Working capital
Cannabis Business Working Capital
Licensed cannabis operators face payroll, inventory, compliance and expansion costs that traditional banks rarely finance. Rair Capital connects you with specialty lenders who understand seat-license economics and can put working capital in your account within days, not months.
- Loan Amount
- $50,000 to $2,000,000
- Term
- 6 to 24 months
- Time to Fund
- 24 to 48 hours
- Collateral
- Unsecured options available
Products
Line of Credit
Revolving capital you draw and repay on demand, with interest charged only on the outstanding balance.
Term Loan
A fixed amount funded up front and amortized over a defined schedule — ideal for expansion, buildouts and one-time projects.
Business Acquisition Loan
Financing to buy a company, a competitor, or a partner's equity, structured around the cash flow of the combined business.
Unsecured & Non-Dilutive Capital
Growth capital that requires no collateral pledge and no equity give-up, so you keep full ownership of your business.
Equipment Financing
Purchase or refinance machinery, vehicles and production equipment with the asset itself serving as the primary collateral.
Factoring & Purchase Order Financing
Convert outstanding invoices and confirmed purchase orders into immediate cash so you can fulfill orders without waiting on payment terms.
Lending sources
Capital sources active in cannabis lending
Federally regulated programs remain unavailable to plant-touching operators, so cannabis deals are placed with private and specialty capital.