DRAWING THE SHEET —
FINANCING — THE FIVE PATHS
How growers pay for a greenhouse.
Five paths, and the paperwork each one asks for. The long-form walk-through: greenhouse financing options.
WE SELL THE BUILDING. YOUR LENDER OWNS TERMS, RATES, AND ELIGIBILITY. TREAT THIS PAGE AS EDUCATION.
01 — THE NUMBER YOU'RE FINANCING
LENDERS FUND WHOLE PROJECTS
Put a hard number on the asset first.
The build tool prices your exact frame, itemized, in 60 seconds. Hand that sheet to the underwriter and the project number stops being a guess.
- FRAME FROM $40,000
- WORKED BUILDS $51,050–$364,250
Price my greenhouse
THE DOCUMENT EVERY PATH BELOW ASKS FOR FIRST
02 — THE FIVE PATHS
01 — EQUIPMENT FINANCING
The fastest yes. The lender finances the asset against its own value and approves in days. Ask first whether a greenhouse on a poured foundation counts as equipment on their books, because that answer decides your path.
- · ITEMIZED QUOTE
- · SPEC SHEET + LOAD RATINGS
- · PROOF THE VENDOR IS REAL
02 — SBA LOANS
Longer terms and smaller down payments. Eligibility belongs to the SBA and the bank. SBA money is federal, so an operation that touches state-licensed cannabis should expect a no.
03 — AG LENDERS
Farm Credit banks and USDA programs underwrite ag buildings all day and think in your units. Growing produce or nursery stock, make this call first.
- · ITEMIZED QUOTE
- · ENGINEERING DOCUMENTATION
- · A PRODUCTION PLAN
04 — LEASE-TO-OWN
A leasing company buys the asset and leases it back to you with a buyout. The credit bar sits lower than a loan's. Ask your accountant whether the payments are expensable, and vet the terms the way you'd vet steel.
05 — PHASED CASH
Start smaller: a one-bay 30×60 frame starts at $40,000, and every bay after the first takes a 10% gutter-connect discount. Tell your Greenhouse Expert the full-build plan before you pour the pad.
THE LONG FORM
What each path asks, in whose order, with the questions to bring to the first call: the financing guide.
03 — THE HONEST VERSION
Most of our customers can't walk into most banks.
Most of our customers are cannabis cultivators, and federal illegality keeps federal programs off the table. State-chartered banks and credit unions still lend, and so do leasing firms built for the industry. Phased cash covers the rest. A cautious lender reads an itemized quote with a stamped engineering set and takes the file seriously.
04 — THE LENDER PACKET
What every path asks for. We hand you three of the four.
THE LENDER WANTS
WHERE IT COMES FROM
An itemized project cost
The build tool: book prices, line by line
Proof the structure is real engineering
The PE-stamped set; see the warranty page
The asset's life and protection
The 10-year metal warranty, in writing
Your production and revenue plan
Yours. The lender wants that one from you.
Send the quote to your lender the day you price it. It's built to be forwarded.
05 — ASKED AND ANSWERED
Do you offer in-house financing?
No. We hand you the documents lenders ask for. If that changes, this page changes first.
What does a commercial greenhouse cost?
The frame starts at $40,000 for a 30×60 bay, and complete worked builds run from $51,050 to $364,250. Price your exact configuration at /build in 60 seconds.
Can I finance a cannabis greenhouse?
Yes, through state-chartered banks and credit unions, through leasing firms built for the industry, or in phased cash. Federal programs stay off the table. The quote packet is built with cautious lenders in mind.
Is a greenhouse equipment or a building, for financing?
That call belongs to the lender and turns on how the structure is attached. Ask the question in your first lender call.
What will a lender want from my quote?
An itemized cost, the specs and load ratings, the warranty in writing, and your own production plan. The first three come from the build tool and the engineering set at no cost.
The first document every lender asks for takes 60 seconds.
ITEMIZED, BUILT TO FORWARD TO A LENDER