Salt Finance provides working capital products built specifically for cannabis operators — not retrofitted from general small-business lending. Our core offerings include:

• Merchant Cash Advance— fast access to capital repaid as a percentage of your daily sales, ideal for operators who need flexibility tied to revenue cycles.
• Inventory Financing — funding earmarked for product purchases, helping you stock up ahead of peak demand or expand your menu without straining cash flow.

Because Salt already powers payments and POS for some of the largest dispensary chains in the country, we underwrite based on real cannabis retail performance — not generic credit models that don't understand the industry.

Cannabis remains federally illegal in the U.S., which means traditional banks, SBA lenders, and most fintech lenders either won't touch dispensary operators or impose terms that don't reflect how the business actually works. Even profitable, multi-location operators routinely get turned down for basic working capital.

Salt Finance was built for this gap. We understand cannabis retail because we operate inside it every day — processing billions in annual GMV across dispensaries nationwide. That gives us the data, the banking relationships, and the regulatory comfort to fund operators that traditional lenders can't or won't. No surprise denials at underwriting, no products designed for a different industry, no learning curve.

Funding amounts typically range from $15k - $1M+ depending on your monthly revenue, time in business, and the product you're applying for. Most operators qualify.

Existing Salt Payments and Salt POS customers often qualify for larger amounts and better terms, since we already have direct visibility into transaction history and can underwrite faster. To see what you qualify for, submit a short application — there's no impact to your credit and no commitment.

The two products are structured differently so you can pick the one that matches your cash flow:

• Merchant Cash Advancerepays as a small, fixed percentage of your daily sales. When business is slower, you pay less; when it's busier, you pay more. There's no fixed monthly payment, which makes it well-suited to operators with seasonal or variable revenue.
• Inventory Financing is tied directly to product purchases and typically repays on a defined schedule, or as inventory sells through. It's structured to match the lifecycle of the inventory itself, so the funding pays for itself as product moves off the shelf.

Both products are repaid automatically through your Salt Payments processing, so there are no manual transfers, missed payments, or end-of-month surprises.

Most approved applicants receive funding within 3 business days of submitting a complete application — and existing Salt Payments customers often see funds even faster, because we already have the transaction data needed to underwrite.

Salt Finance is fully integrated with the rest of the Salt platform. If you process payments with Salt, your sales data feeds directly into underwriting, repayment happens automatically through your daily transaction flow, and you manage everything from one dashboard. That integration is the reason Salt Finance can move faster, approve more operators, and offer better terms than standalone cannabis lenders.