logo: CTrust
Log In

 

Curious About Cannabis Lending? 

The regulated U.S. cannabis industry now spans more than forty state markets and produces over $32 billion in annual revenue. Demand is accelerating as retail sales are expected to grow from $35 billion in 2025 to nearly $87 billion by 2035.

While the market grows, cannabis-related businesses face limited access to affordable credit, often at rates above twenty-five percent. This gap creates a significant opportunity for financial institutions to build smart lending programs. Over the next decade, as much as $51 billion in debt funding could flow into the sector, representing billions in potential annual interest income for banks and credit unions ready to serve qualified borrowers.

Providing capital to CRBs remains limited without clear underwriting data or consistent standards for assessing CRB risk.

We’re here to help solve these challenges.

Establishing a smart lending program can generate new revenue for your cannabis banking program and create more value for your existing CRB accounts.

With many operators looking for lines of credit and working capital, your financial institution has the opportunity to grow your depository accounts.

CTrust works with financial institutions and lenders to evaluate CRB risk in support of lending programs across the United States.

 

Why CTrust?

 

Lender shaking hands with cannabis business owner after loan approval

Purpose-Built for Banks
& Credit Unions

  • We created our credit risk tools to close the information gap that has played a part in keeping financial institutions from lending. By providing unbiased, standardized insight into the financial health of cannabis businesses, lenders can distinguish stable operators from higher-risk ventures, regardless of state, market, or license type.

Data Powered & Decision Ready

  • Our platform aggregates transaction-level cannabis data and applies proprietary models analyzing 42 factors and 1,700+ correlation points to deliver clear credit ratings, risk reports, and market benchmarks. With this foundation, banks and credit unions can assess CRB borrowers with the same rigor used in any other sector.
Financial analyst reviewing cannabis lending data on laptop

A Differentiator You Can Trust

  • We have built the first independent credit-risk solution for CRBs, informed by decades of finance, restructuring, and industry experience. By replacing uncertainty with objective market intelligence, CTrust helps financial institutions meet strict compliance standards and unlock lending opportunities in a growing, highly regulated industry.

Financial Institutions

  • Is your bank or credit union currently lending to legal cannabis businesses?
  • Is your financial institution looking to develop a cannabis lending program?
  • Contact our team to learn more about our suite of products and how we can help your bank or credit union generate new revenue.

Ready to Get Expert Guidance?

Our team partners with banks, credit unions, and lenders to turn complex cannabis credit risk into lending opportunities.

Let’s find the right path forward together.

Talk to Our Team