Empowering Cannabis Entrepreneurs Through High-Value Lending

At Social Equity Capital, we specialize in collateral-backed lending solutions for cannabis businesses, ensuring that social equity operators and minority entrepreneurs can access the capital needed to buy, build, and expand.

The cannabis industry is projected to reach $73 billion by 2030, but systemic barriers prevent small and minority-owned businesses from thriving. Traditional banks refuse to lend, and private lenders often charge predatory rates that make success unsustainable.

We bridge this gap by offering financing solutions that are backed by real assets, giving cannabis businesses the ability to secure capital without sacrificing ownership or paying excessive interest.

(Francis Kanneh, Founder)

Our Mission

To create true social equity in cannabis by providing affordable, structured financing to entrepreneurs who have historically been excluded from the industry’s economic opportunities. Through strategic partnerships with lenders, investors, and cannabis-friendly financial institutions, we offer funding solutions that are profitable, scalable, and sustainable for both borrowers and investors.

Our Lending Model: How We Help Cannabis Businesses Grow

Unlike traditional lenders, we focus on collateral-backed financing to ensure cannabis entrepreneurs receive the best possible funding terms

Hard Money Real Estate Loans

  • Funding for dispensary, cultivation, and manufacturing facility purchases.
  • Loan-to-Value (LTV): Up to 65%
  • Interest Rate: 8-15%
  • Approval Time: 10-30 Days

Sale-Leaseback Financing

  • Convert property ownership into capital while keeping your business operational.
  • Business sells property and leases it back long-term
  • Ideal for dispensary and cultivation owners needing liquidity
  • Funding Time: 10-30 Days

Equipment Leasing

  • Finance high-value cannabis equipment with no upfront costs.
  • Lease-to-own model for extraction, cultivation, & retail equipment
  • Interest Rate: 7-12%
  • Repayment Term: 24-60 Months

Construction Loans

  • Finance the development or expansion of your cannabis property.
  • Funding for dispensaries, grow facilities, and processing centers
  • Secured by land and projected building value
  • Funding Time: 30-60 Days

Inventory & AR Financing

  • Turn unpaid invoices or cannabis inventory into immediate working capital.
  • Lenders advance 75-90% of invoice/inventory value
  • Short-term financing (6-24 months) for fast cash flow
  • Funding Time: 7-14 Days

Why Choose Social Equity Capital?

  • Cannabis-Friendly Lenders – We work exclusively with investors and lenders who understand the industry.
  • Fast, Asset-Backed Approvals – No personal credit requirements—your loan is backed by real assets.
  • Higher Loan Amounts We secure $2M+ real estate loans, $500K+ equipment leases, and $5M+ sale-leasebacks.
  • A Mission-Driven Approach – Our focus is helping social equity operators and minority entrepreneurs gain equal financial access.
Through strategic partnerships, investor-backed lending, and industry expertise, we make sure cannabis entrepreneurs get the funding they need to scale, compete, and thrive.

Partner with Us

We’re actively seeking:
  • Cannabis entrepreneurs who need financing to buy, expand, or grow their business.
  • Investors & lenders looking for secure, high-yield opportunities in the cannabis industry.
  • Industry partners (real estate brokers, equipment suppliers, appraisers) who want to collaborate on funding solutions.
  • A Mission-Driven Approach – Our focus is helping social equity operators and minority entrepreneurs gain equal financial access.
  • Apply for Funding: Funding Application Link
At Social Equity Capital, we are redefining cannabis financing—one funded entrepreneur at a time.