Safe Harbor Financial has expanded its lending platform to provide marijuana and hemp businesses with a wider range of financing options, including commercial real estate loans, working capital, equipment financing, business expansion financing and cash flow lending.

The Denver-based company says the expanded platform is designed to help cannabis-related businesses access capital at a time when many traditional financial institutions remain hesitant to serve the industry.

The new financing options include term loans, lines of credit, leasehold improvement financing, revenue-based lending, accounts receivable and invoice financing, purchase order and vendor-related financing, bridge financing, sale-leaseback transactions, business acquisition financing, partner buyouts, loan syndications and participations.

Safe Harbor said it works with private credit funds, family offices and institutional partners to connect qualified borrowers with potential sources of capital. The company says financing requests will be reviewed individually based on factors such as business performance, use of funds, collateral, ownership structure and the overall opportunity.

“Cannabis businesses operate within a financial system that was not built for them,” said Safe Harbor CEO Terry Mendez. “Access to capital requires a deeper understanding of regulatory constraints, cash flow dynamics and operational realities. This expansion reflects our continued commitment to building solutions that align with how this industry actually functions.”

Mendez said there is “no one-size-fits-all loan product in cannabis,” adding that Safe Harbor’s role is to evaluate each business and help identify a workable path to capital.

The announcement follows Safe Harbor’s recent launch of a cannabis-focused 401(k) plan and is part of the company’s broader effort to provide banking, payments, financial operations support and lending services to the cannabis industry.

Safe Harbor says it has helped process more than $35 billion in cannabis-related depository funds across 41 states and territories.