Working capital
for your dispensary

How does Lendica Work?

Precision Underwriting. Automated Collection. Total Solution.


Lendica's proprietary underwriting model qualifies dispensaries based on business fundamentals, location and technology. We select only the best dispensaries so we can offer the best rates!


We work with the top payment processing partners to make deployment of capital and collection easy for both parties. Your processor may already be approved!


We are a trusted resource to the cannabis capital markets and it is our fiduciary duty to protect the private information of our partners. This includes borrowers and investors.

Data Science Meets Cannabis

Lendica's advanced underwriting helps you save.


We use technology to get to know you.

We can offer the lowest rates because our system does most of the number crunching, and more.

  • Verification without the pain of all those site visits.
  • OCR technology reads your statements within seconds.
  • Revenue statements from your payment processor tell us the rest.
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Your address helps paint the picture.

We use your business location to help understand the local market and project your growth. In a less populated area? No problem! Our models focus on your unique scenario and qualify you accordingly.

We support multiple locations. Tell us about your anchor store and we'll include the rest in our analysis.

Get Started

Let's hear your elavator pitch.

As important to our analysis as the quantitative data is, our qualitative assessment can impact your deal.

  • What new projects are you circling?
  • How are you updating to handle COVID-19?
  • Is it time to capitalize on new inventory channels?
  • Do you have new talent you'd like to entice?

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Frequently Asked Questions

We are always a phone call away if these won't do.

What happens when I submit my application?

When you submit your application, the Lendica underwriting model starts cranking. We will immediately reach out with next steps regarding your credit, system integration, and more.

Who is funding my working capital?

Lendica partners with private credit investors that have expertise in cannabis or related business markets. These lending partners work with Lendica to qualify good borrowers and get capital to them quickly.

How much does Lendica charge me?

Lendica is focused on providing efficient and cost-effective capital markets. All borrowers are subject to a five percent origination fee only upon issuance of your working capital. It is absolutely free to apply!

Will applying with Lendica impact my credit score?

Lendica may require its borrowers to provide Experian FICO scores. In the event that a hard credit pull is required, your FICO score may be impacted.

If my dispensary only accepts payments with cash can I still get working capital?

Lendica’s edge is its ability to quickly underwrite, deploy, and collect on your working capital. Dispensaries that do not currently have technology to accept debit card transactions will not qualify.

If I get denied by Lendica can I apply again?

Yes! Lendica prides itself on being fully transparent throughout the underwriting process. If you for whatever reason do not qualify, we will gladly share why and work to help you next time around!

Contact Us

How to find us