Institutional-Grade Financial Infrastructure for Cannabis Operators

Retail & Dispensary CFO Services

Who We Protect: Single-location dispensaries, high-volume storefronts, and CBD retail operations (NAICS 459991, 459130).
The Challenge: You deal with high-velocity cash, complex point-of-sale data, and extreme federal scrutiny. Your survival relies on perfectly separating non-deductible expenses from your Cost of Goods Sold to avoid a crippling 280E audit.
The Core Deliverables:
- Daily POS-to-Ledger Sync: Reconciling daily Z-reports from your POS systems (like Dutchie or Flowhub) directly into your general ledger for immaculate, audit-ready sales data.
- Strict 280E Expense Guardrails: Meticulously categorizing your Cost of Goods Sold (COGS) versus standard SG&A to build the ultimate federal audit defense.
- Cash Flow & Vault Reconciliations: Rigorously tracking cash vaults, ATM drops, and armored car deposits to manage the complex reality of unbanked or underbanked retail operations.

Who We Protect: Indoor/outdoor cultivators, extractors, product manufacturers, and commercial edibles kitchens (NAICS 111419, 111998, 325411, 311812).
The Challenge: Your operation is heavily capital-intensive. You must legally maximize your inventory deductions while keeping specialized manufacturing software perfectly synced with strict state traceability mandates.
The Core Deliverables:
- Full Absorption Costing (IRC §471): Meticulously allocating direct labor, facility rent, and overhead into your inventory to maximize legally defensible tax deductions.
- Biological Asset & ERP Syncing: Reconciling specialized supply chain ERPs (Canix, Distru) with state tracking databases (METRC) so raw plant weights and batch yields perfectly match your financial records.
- WIP & Inventory Reconciliations: Tracking products through their entire lifecycle—from raw materials to Work-in-Progress (WIP) to finished goods—so your balance sheet reflects your true physical assets.

Who We Protect: B2B cannabis brokers, raw material distributors, and middleman supply chain operators (NAICS 424590).
The Challenge: You are moving massive amounts of inventory but don't touch the biological growth or the retail consumer. Your survival depends on cash flow velocity, managing B2B debt, and tracking complex excise taxes.
The Core Deliverables:
- Excise Tax & Traceability Architecture: Ensuring your general ledger perfectly matches the transfer manifests and excise tax liabilities dictated by the state.
- A/R & Cash Flow Velocity: Aggressive Accounts Receivable aging management and rolling cash forecasts to ensure you are never caught floating too much product for slow-paying retailers.
- Inventory Clearing Reconciliations: Tracking products as they move from the cultivator, to your warehouse, to the retailer, ensuring your balance sheet is always accurate.

Who We Protect: Contract trimming companies, mobile harvesting teams, nutrient management services, and third-party facility consultants (NAICS 115112).
The Challenge: You run high-overhead, labor-intensive operations. Because you don't own the plant, your tax situation is different, but you still face massive IRS/DOL scrutiny over labor classification and contract profitability.
The Core Deliverables:
- Labor & Worker Classification Defense: Bulletproof payroll structures to prevent 1099 misclassification audits and optimize your workers' comp premiums.
- Contract Profitability Analysis: Job-costing and margin analysis to ensure every facility you consult for or harvest you touch is actually driving net profit.
- 280E Exemption Strategy: Cleanly separating your non-plant-touching operations to maximize your standard business deductions and protect your entity from upstream audit contagion.

Who We Protect: Armored cash transit operators, secure fleet logistics, and direct-to-consumer local delivery services (NAICS 492210).
The Challenge: You are moving the industry's two most high-risk assets: cash and finished goods. Your margins are eaten up by fleet maintenance, insurance premiums, and route inefficiencies.
The Core Deliverables:
- Cash-in-Transit (CIT) Reconciliations: Impeccable, daily reconciliation of vault drops, driver tills, and armored bank deposits to prevent shrinkage and internal theft.
- Fleet Asset Management: Advanced tracking of vehicle depreciation schedules, maintenance job-costing, and insurance premium audits.
- Route Profitability Modeling: Financial analytics that measure the true cost-per-mile and revenue-per-delivery, allowing you to optimize your service radius for maximum margin.

Who We Protect: Multi-State Operators (MSOs) and fully vertically integrated enterprises.
The Challenge: You are managing multiple licenses, locations, and legal entities simultaneously. Your operational risks are multiplied by complex payrolls across state lines and the constant need to present institutional-grade financials to board members and investors.
The Core Deliverables:
- Multi-Entity Consolidations: Managing the intricate accounting of multiple LLCs and holding companies, and flawlessly tracking inter-company transfers to ensure the corporate veil is never pierced during an audit.
- Advanced Tax & Entity Architecture: Strategic oversight of corporate legal structures and complex payroll pipelines across state lines to minimize your aggregate 280E exposure.
- Investor & M&A Readiness: Producing GAAP-compliant, institutional-grade financial reporting packages and pro forma capital allocation models designed specifically to survive venture capital due diligence or acquisition scrutiny.

Untangling messy historical books, fixing inventory discrepancies, and preparing your financials for tax season or investor due diligence.

Strategic cash flow forecasting, margin optimization, fundraising preparation, and board-level reporting.

Full-service daily bookkeeping, compliant payroll setup, and monthly 280E-compliant financial statement preparation.

Request a Financial Consultation.