Hydro Capital Solutions

Funding for Cultivators. Built by cultivation experts.

Packaging machines, labeling machines, conveyor belts, extraction equipment, testing equipment, and more — the core categories our lending partner funds for licensed cannabis operators. In qualified situations we can also consider LED lighting, irrigation, HVAC, racks and benching, air purification, and other production infrastructure. Hydro Capital Solutions connects you with a specialized lending partner that funds cultivation businesses.

Apply in minutes. Fast decisions from our lending partner. Funding designed for cultivation.

$500K
Max Financing
$150K
App Only
~650
Min Credit · Flex
5 yr
Max Term

Capital can be difficult to access in the cultivation industry.

Traditional lenders often don't understand the realities of controlled environment agriculture. Hydro Capital Solutions partners with a specialized lender who does — and we package your file the right way so it gets in front of the people who actually fund cultivation deals.

  • Facility buildouts
  • Production expansion
  • Equipment upgrades
  • Inventory purchases
  • Operational growth
  • Cash flow management

Finance the infrastructure behind better harvests

Hydro Supply Co. works with commercial cultivators every day. We understand the investments required to increase yield, improve consistency, and scale operations — and our lending partner is equipped to fund the categories that matter most.

Packaging Machines

Pre-roll, jar, mylar, pouch fill & seal

Labeling Machines

Compliance labels, lot codes, batch tracking

Conveyor Belts

Material handling, line automation

Extraction Equipment

CO₂, hydrocarbon, ethanol, rosin presses

Testing Equipment

Potency, pesticides, moisture, water activity

Grow Lighting Systems

HPS, LED, under-canopy, full-spectrum

HVAC & Dehumidification

Climate control, environmental management

Irrigation & Fertigation

Drip, hydroponic, automated dosing

Environmental Controls

CO₂, monitoring, automation

Facility Expansion

Buildouts, new rooms, scale-ups

Working Capital

Cash flow, operational growth

* Packaging, labeling, conveyor, extraction, and testing equipment are core eligible categories under the cannabis program. LED lighting, irrigation, HVAC, racks and benching, air purification, environmental controls, and other production infrastructure qualify when the client owns the property where the equipment will be installed.

Stack with utility rebates

Already have approved utility rebates?

Don't wait six to eighteen months for the check. Bridge-finance the project now — equipment ships, install happens on schedule, and once the rebate is paid out, your rebate partner forwards it to the lender as principal paydown on your loan.

Participating rebate partners include What Rebates and Green Rebates. Their Business & Industrial Lighting Initiatives help cultivators upgrade equipment (LED grow lights, HVAC, dehumidifiers, controllers) and get paid back by their utility company.

What Your Rebate Partner Handles

  • Full application process — start to finish
  • Paperwork + utility coordination
  • Payment tracking through approval
  • Retrofit or new construction

Eligible equipment: LED grow lights, HVAC, dehumidifiers, environmental controllers. You focus on growing — the rebate partner handles the bureaucracy.

How rebate-stacked financing actually works

The 3rd-party authorization assigns the rebate straight to the lender

1

Rebate partner submits

Your preferred rebate company (What Rebates or Green Rebates) files the application with the utility and shepherds it through approval.

2

Utility approves the rebate

Once your utility company approves the rebate amount, the dollar value is locked in and payable.

3

3rd-Party Authorization Form

Your rebate partner submits the lender a 3rd-Party Authorization Form formalizing the assignment — the rebate disbursement is directed to the lender, not the customer.

4

Rebate partner settles with the lender

The utility pays out the rebate, and your rebate partner forwards that amount directly to the lender — paying down a portion of your outstanding loan balance.

You sign one authorization form. The rebate moves on rails — from utility, to your rebate partner, to the lender, to your loan balance. No invoice to chase, no check to deposit, no extra paperwork.

Upgrade your facility without draining working capital.

Operating cultivators with established track records are the lender's primary fit. The program rewards consistency — if you've been running and producing, this is your path to scale without tapping cash on hand.

Retrofitting existing rooms with new lighting?

Expanding into additional flower rooms?

Automating fertigation across the canopy?

Replacing aging climate control systems?

Secure funding and put the right equipment to work now — before next harvest, not after.

The lender's strongest files: 3+ years time in business, consistent production history, real cash flow. Start-ups can still apply — established operators just close faster and at better terms.

Built around how cultivators actually buy

These are the published criteria from our lending partner. Final approval and funding decisions rest with the lender.

Eligibility

  • Minimum credit score ~650
  • Start-ups OK — under 3 years TIB
  • Term length matched to TIB — 2 yr TIB = 2 yr max term
  • 5 years max term overall
  • Cannabis equipment program: up to $500K

**Credit thresholds flex based on strength of company.

Submission Tiers

  • Up to $150K — application only
  • $150K – $500K — light financials added
  • Lender decision typically lands in 2–5 business days
  • Lender wires funds to Hydro Supply Co. on close

LED lighting, irrigation, HVAC eligible when client owns the property.

Five items get the file moving

Online or PDF for the digital steps. Email back the rest.

1

Credit Application

Fill out the digital application online — about 5 minutes. Or download the PDF, fill by hand, and email back.

2

Last 3 Months of Business Bank Statements

Full statements (every page), most recent three months. PDF preferred.

3

Equipment Invoice from Hydro Supply Co.

We build the invoice for every product you're financing through us — lights, racks, irrigation, HVAC, packaging, extraction, testing. Request your quote and we'll handle the invoice.

4

Cannabis Questionnaire

Operations focus, equipment use case, market context, and license info. Online form — about 5 minutes. Or download the PDF.

5

METRC Reporting (if available)

Most licensed operators already pull this. Strengthens the file and can flex the credit threshold — not required, but include it if you've got it.

Requests over $150K may need light financials (1-year statements, debt schedule, equipment justification). We'll let you know during underwriting.

Take it to your team

Program summary, application, and questionnaire as downloadable PDFs. Share with your accountant, CPA, partners, or operations team.

Questions? Email seanb@hydrosupply-co.com.

Cannabis Equipment Financing — Program Cut Sheet

PDF · Up to $500K · Eligibility + requirements

Finance Application

PDF · 2 pages · Fill by hand or print

Cannabis Financing Questionnaire

PDF · 2 pages · Supplemental intake

Hydro Capital Solutions

Ready to scale?

Tell us about your project and funding goals. We'll package your file and connect you with our lending partner — the team that actually reviews, approves, and funds cultivation deals.