Cash Flow Forecasting and Working Capital Management
Cannabis operators manage working capital under constraints most industries do not face: limited access to traditional lending, federal banking restrictions that slow transaction processing, and significant cash tied up in inventory awaiting sale or wholesale transfer. We build rolling thirteen-week cash flow forecasts that account for excise tax remittance timing, Commerce Tax and Modified Business Tax due dates, and seasonal demand patterns specific to Nevada's tourism-driven retail markets.
This forecast becomes the operating tool for decisions like whether to accelerate a harvest, delay a capital purchase, or draw on a line of credit, giving you visibility weeks ahead rather than reacting to a cash crunch after it has already begun to affect payroll or vendor payments.
Budgeting and Financial Modeling
We build annual budgets and multi-year financial models that reflect your actual license structure, whether that is a single Las Vegas dispensary or a vertically integrated operation spanning cultivation in Pahrump and retail in Summerlin. Models incorporate 280E-adjusted effective tax rates so projected net cash available for reinvestment reflects reality rather than a pre-tax figure that overstates what you can actually deploy.
For operators considering a new consumption lounge license or additional retail location, we build location-specific financial models that estimate build-out cost, ramp-up timeline to breakeven, and incremental Commerce Tax and Modified Business Tax impact, so the expansion decision is made with full visibility into total cost rather than construction cost alone.
- Rolling thirteen-week cash flow forecasts updated monthly
- Multi-year financial models incorporating 280E-adjusted tax rates
- New-location and expansion feasibility modeling
Capital Raise and Lender Support
Raising capital as a cannabis operator, whether from private investors or specialized cannabis lenders, requires financial statements and projections that withstand a level of diligence beyond what a typical small business faces. We prepare investor and lender-ready financial packages, including historical GAAP financials, a defensible 280E-adjusted tax position, and forward projections that hold up under third-party scrutiny.
We also participate directly in diligence calls and can respond to lender or investor financial questions in real time, which keeps a capital raise moving instead of stalling while questions route back through an operator who may not have the accounting detail readily at hand.
Investor Financial Packages
A complete package typically includes three years of historical financials where available, a current-year forecast, a use-of-funds schedule, and a sensitivity analysis showing performance under conservative, base and upside assumptions specific to your Nevada market and license type.
Cannabis Lender Relationships
Specialized cannabis lenders evaluate collateral and cash flow differently than traditional banks, often placing heavy weight on METRC-verified inventory and consistent monthly financial reporting. We prepare documentation in the format these lenders typically expect, shortening the underwriting timeline.
Board and Ownership Reporting
For operators with outside investors or a multi-member ownership group, we prepare quarterly board packages summarizing financial performance, key operating metrics like cost per gram or revenue per square foot, and progress against budget. Clear, consistent reporting keeps ownership groups aligned and reduces the friction that comes from inconsistent or informal financial updates.
- Quarterly board packages with key operating metrics by license type
- Budget-to-actual variance reporting presented in plain business language
Strategic Decision Support
Beyond scheduled reporting, fractional CFO service includes ad hoc analysis for decisions as they arise, whether evaluating a new equipment lease, assessing the return on a proposed second cultivation facility, or determining the tax and cash impact of a change in ownership structure. This gives you access to CFO-level analysis exactly when a decision needs to be made, not on a fixed quarterly schedule.
