Most cannabis retail capital doesn't fail on the underwriting. It fails on the structure. PCA replaces the stitching-together of four or five sources with one capital relationship, interest-free.
Traditional lenders won't take a license as collateral. Equipment vendors want cash up front. Sponsor equity wants a board seat and a say in operations.
First-time operators end up stitching together four or five sources, each with its own terms, its own reporting, and its own idea of what happens if timelines slip.
A single fee covers real estate, financing, regulatory & business, and financial & business strategy. No separate line items, no upfront cost. Build-out, working capital, and loss-reserve financing are interest-free loans on top. When revenue is low, the fee is low: it's indexed to your performance.
The 10% is calculated on gross revenue, which excludes cannabis excise and sales taxes, payment processing fees, and discounts to customers.
| Yours | PCA's | |
|---|---|---|
| License | You own it, always | Never holds or collateralizes it |
| Head lease | — | PCA signs and carries it |
| Property taxes | — | PCA pays them |
| Buildout cost | Repaid interest-free | Financed by PCA |
| Working capital / loss reserve | Repaid interest-free | Extended by PCA as needed |
| Brand & equity | Entirely yours | — |
| Day-to-day operations | You run the store | Advisory alongside you |
Maintain equity. No fixed up-front costs. Your capital stays yours.
Downside protection. The fee scales with revenue, so a slow start costs you less rather than more. And the loss reserve is there to draw on if the ramp takes longer than you planned, which is the point of holding one.
Aligned incentives. Our fee scales with revenue, so we are materially better off when your store grows. PCA carries the lease, the property taxes, and interest-free loans on collateral that never includes your license. That's real risk on PCA's side, which is what makes the alignment real.
Each store's capital runs through its own PCA-affiliated entity. Draws fund the buildout in phases as construction milestones hit. Repayment on the construction loan runs between months seven and eighteen after opening, so there is a real runway before anything is due. Working capital is not repaid on that schedule at all: it comes back at the end of the lease term. Statements go out on a fixed monthly cadence.
The Platform is in development. It will be the single sign-in for the PCA team, for clients and their staff, and for shareholders.
If you need access to something in the meantime, write to hi@platformcanna.com and we will point you to the right place.
