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Cannabis Business Income Loan
Clear guidelines for qualifying eligible borrowers.
At a glance
A common-sense path to homeownership for licensed-cannabis and CBD professionals. We accept W-2 income from state-licensed dispensaries, plus bank-statement and full-doc options for owners.
Program highlights
- Eligible cannabis income from licensed dispensaries and CBD-only businesses
- W-2 income accepted from state-licensed dispensaries
- Business owners eligible — full doc or bank statements
- CBD-only companies allowed
- Minimum FICO: 680
- Primary residence only — Single-Family Residence (SFR)
- 12 months reserves required
- Max LTV: 80% Purchase | 75% Refinance
How funding works
- Send last 12 months of W-2s or business bank statements
- Confirm state-licensed cannabis or CBD employer/owner status
- We verify reserves (12 months) and order appraisal
- Close on your primary SFR — typically 25–30 days
Worked scenarios
Dispensary GM, W-2 income $115k
Borrower: FICO 705, 12 mo. reserves, first home
Property value: $525,000 · Loan amount: $420,000
Outcome: 80% LTV purchase — same approval path as a traditional W-2 buyer.
Multi-store CBD owner, bank-statement docs
Borrower: Owner-operator, 24 mo. business statements, FICO 690
Property value: $750,000 · Loan amount: $562,500
Outcome: 75% LTV refinance using deposit-based qualifying income.
Why this program
Most agency lenders won't touch cannabis income because the industry remains federally Schedule I — non-QM lenders fill this gap with state-licensed verification.
We require 12 months of reserves precisely because federal banking access for cannabis operators can be uneven; reserves protect the loan and the borrower.
CBD-only operators (with a federally compliant 2018 Farm Bill product) are treated more flexibly than THC-touching operators.
Frequently asked
Do I need to work in a dispensary?
No — both dispensary employees (W-2) and licensed business owners qualify.
Are CBD-only businesses eligible?
Yes, CBD-only companies are explicitly allowed.
Can I use this for a rental property?
Not under this program — it's for primary-residence single-family homes only.