Small Business Banking for the Cannabis Industry

Affordable Financial Services Built for Cannabis Operators

Whether you’re just starting out or scaling your success, owning and operating a marijuana business is no small feat. Resources are tight and compliance is never-ending. Banking shouldn’t be another headache.

By leveraging modern technology, Abaca helps small businesses access secure, FDIC-insured bank accounts, reliable payment solutions and realistic lending options – all from providers proud to serve cannabis and at a cost fit for a small business.

  • Manage your finances 24/7 via Abaca Online Banking
  • Schedule and send payments to vendors and suppliers
  • Accept electronic wholesale or retail payments via ACH

  • Secure, safe and compliant
  • Automated and efficient compliance reporting
  • Priced affordably to improve access to financial services

Compliant Banking

Store your cash and make payments affordably with cannabis-friendly FDIC-insured bank accounts.


Help your customers spend more at the counter or on the road with affordable, fast and reliable payment processing.


Access the capital you need to grow and compete.

What Our Clients Say

Banking with Abaca has made issuing and receiving payments easy with options for old school and electronic payments. Receiving payments from dispensaries and paying our vendors is so easy.

ROBERT DEBIN, President, Natural State Medicinals

You would think ancillary businesses in the cannabis industry would have an easier time getting a bank account, but that is not the case. Abaca has enabled our testing lab to access traditional banking. Abaca enables my cultivator customers to pay electronically, and not with cash. We love their web interface. 

BRANDON THORNTON, Chief Executive Officer, Steep Hill Arkansas

The folks at Abaca are always quick to help us solve our payment issues and provide assistance to improve our process.

DAVID TRAYLOR, Chief Financial Officer, Bold Cultivation

Great company providing absolutely critical service at super competitive prices in an underserved industry. 

ROBBIN RAHMAN, Attorney, Of Counsel, Barber Law Firm

Abaca is a financial technology company that provides banking services in partnership with chartered financial institutions, Members FDIC.

Go Back to Taking Your Bank Account for Granted

Access to cannabis-friendly modern banking shouldn’t be so hard to come by for small businesses. Especially since reliable banking can unlock a multitude of other benefits that keep costs down and profits up – like electronic payments, secure transactions and access to loans. 

As a business owner, you have plenty to juggle. These financial products don’t have to be another chore. 

Store your hard-earned money and pay your employees or suppliers simply – just like any other business.

With Abaca, businesses like yours can access FDIC-insured, compliant banking that is proud to serve the cannabis industry. 

  • Access to cannabis-friendly FDIC-insured bank accounts in your business name
  • Easy access via simple and intuitive online banking  
  • Pay employees and suppliers electronically via ACH or Bill Pay
  • Automation for streamlined and low-cost compliance 
  • Priced affordably for your size business
  • Increase sales and convenience with AbacaPay
  • Accept retail mobile payment apps

Small Business Cannabis Banking

How it Works

Get Started

Tell us about your specific business and needs. We’ll send you general information or you can request a full quote.

Due Diligence

Our seamless and automated process collects the information we need to get you set up.


Your dedicated Abaca rep will get you set up so you can stay focused on your business.

Hit Go

Make your first deposit and unlock secure, reliable banking.

Get Started with Banking

Make it Easier to Pay

Research shows that customers spend more when they can use plastic – so give the people what they want. With Abaca’s debit processing capabilities, companies can increase transaction counts and ticket amounts with no additional cost. And less cash volume means fewer expenses to manage it. Win. Win.  

Don’t stand in the way of your profit. 

  • Debit transactions for in-store, curbside and delivery 
  • Boost revenues by over 8% when customers use cards (why?) 
  • Reduce cash handling by up to 40% for a safer and leaner operation
  • System sets up in one week with custom support from a dedicated representative 
  • No more guessing at numbers – predictably settle your bank accounts

Get Started with AbacaPay

Cash Management

Onsite handling and storage options

  • 24/7 cash asset balance 
  • Reduce cash management time by 80% 
  • Integrated with industry leading cash vaults and recyclers 

Armored Transportation & Deposit

  • Door-to-door cash logistics service 
  • Vetted, insured and bonded providers 
  • Reliable & predictable cash settlements to your account

Grow Without Limitations

Most small businesses need capital at some point but it can be hard to find 420-friendly loans. Cannabis shouldn’t only be accessible to the 1% who can afford to self-fund. 

With various lending options and amounts, Abaca helps unique businesses finance unique needs. Get fair loans for real estate, equipment, inventory and more.

Term Loans

You’re making money, so why can’t you get a loan to grow? With Abaca’s Term Loans, operators can skip the long waits and complicated processes and get back to business.

  • $50K-$250K available loan size
  • Installment loan with six-month grace period
  • Qualify in 24-48 hours
  • Funds in two business days on average
  • Operators nationwide
  • Businesses with proven cash flow for six months
  • At least three months of banking history

Conventional Loans

Loans should be designed to support your size business. For many, cash-flow-based loans just aren’t enough. Leverage your assets to more rapidly scale your business.

  • $250K-$5M available loan size
  • Typically funds in 4-8 weeks
  • Competitive rates available, dependent on collateral and guaranty structure
  • New and existing operators in legal cannabis states
  • Operations with hard assets (real estate, equipment, etc.) for collateral
  • At least three months of banking history
  • Personal guarantees typically required

Get Started With Abaca Lending

Sample Deals

Every business is different so every loan is different. Here are some recent loans:


refinance of an existing 63,000 sq. ft. licensed medical cannabis cultivation facility.



construction loan and permanent financing for a new medical cannabis dispensary.



revolving LOC to fund acquisition of ownership interest in and recapitalization of a licensed medical cannabis cultivation facility.


Get Started


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