Cannabis Business Purpose Loan Program – California
Our Cannabis Business Purpose Loan Program provides alternative financing for licensed cannabis-related real estate, including dispensaries, cultivation, manufacturing, distribution, farming, and processing facilities. Due to limited traditional bank financing in this sector, we offer flexible hard money solutions secured by California real estate.
| Loan Amounts | $100,000 – $3,500,000+ |
| Property Type | Commercial – Agricultural |
| Loan Type | Purchase or Cash-Out – 1st & 2nd Trust Deeds |
| Loan-to-Value | Up to 60% LTV/CLTV on Refinance; Up to 65% LTV/CLTV on Purchase |
| Terms | 1–4 Years with Balloon – Interest Only Payments (Amortization Available) |
| Occupancy | Owner Occupied & Non-Owner Occupied (Business Purpose) |
| Underwriting | Equity-Driven – Bank Statements – No Tax Returns Required (other docs may apply) |
| Property Valuation | Appraisal Required |
| Interest Rates | 1st Trust Deeds from 11.99% – 2nd Trust Deeds from 13.50%* |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Timeline to Fund | Typically 7–14 Business Days |
| Guaranteed Interest | 3–6 Months |
| FICO | Low FICO – BK – NOD – Foreign National – Self Employed Considered |
Who This Program Serves
- Licensed cannabis dispensary owners
- Cultivation and farming operators
- Manufacturing and processing facilities
- Distribution centers and logistics operators
- Investors seeking alternative financing in cannabis real estate
What Makes Our Program Different
- Industry-Specific Financing
Structured specifically for licensed cannabis-related properties. - Equity-Focused Underwriting
Lending decisions are based primarily on property value and equity position. - Speed & Certainty
Same Day Term Sheets and fast closings, often within 7–14 business days. - Flexible Structure
Available in 1st or 2nd position for purchase or cash-out strategies. - Bridge-to-Exit Strategy
Designed to transition into longer-term financing when available.
Strategic Advantages
- Access capital where traditional banks cannot lend
- Close quickly on licensed cannabis real estate
- Unlock equity for expansion or reinvestment
- Preserve liquidity with interest-only options
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission – Quick Turnaround – 7 Day Fundings
✓ Fast, Flexible and Transparent Loan Process
✓ Over 30 Years Financial Industry Experience
✓ Funding Based on Committed Terms
✓ Surety of Funding through CrowdTrustDeed’s Simple and Secure Online Marketplace
✓ Se Habla Español
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
