How to Apply | Before you Apply | Application Materials | Online Application


Click here to download the program overview which includes this chart, in PDF format.




Loan Application Requirements Potential Use of Proceeds

(not limited to these)

Tier 1 / $5,000

“Establish the Business”

Completed Prerequisite Documentation

Completed Loan Assessment Documentation

1A. Lease, sublease or incubator agreement

1B.  Personal Financial Statement

1C.  Personal and Business tax returns from the most recent 2-years.

Legal fees

Branding (name/logo)


Staff and contractors

Tier 2 /An Additional $10,000

 “Get Compliant”

Completed requirement for Tier 1

2A.  Proof of trademark search and business name usability

2B.  Organization documents for the business entity

2C.  Operating agreement signed by the business partners

2D.  Fictitious business name statement (or evidence of application)

2E.  City of Oakland business Tax Certificate (or evidence of application)

2F.  State of California seller’s permit (or evidence of application, if applicable)

Items in Tier 1


Bookkeeping system

Accounting fees

State license fees

Tier 3 / An Additional $15,000

 “Open the Business”

Completed requirements for Tier 1 and 2

3A.  Temporary, provisional or annual state cannabis license

3B.  In compliance with building and fire prevention bureau milestones as outlined in the cannabis operator guideline.

3C. Business insurance policy

3D.  Evidence of compliance with Oakland’s Minimum Wage Ordinance, such as hourly payroll report or employee manual

3E.  If Loan Applicant has employees, upload paycheck stub and the required quarterly payroll reports that demonstrates the company is in compliance with Employment Development Department regulations (i.e. payroll tax, unemployment insurance, state disability insurance, etc.),

3F.  Evidence of a bookkeeping system, such as check/transaction register with information and/or financial report from QuickBooks, Mint, Zero, Sage (or equivalent accounting system), or spreadsheet from Google Docs or Excel

Items in Tiers 1 & 2

Bring space into compliance

Equipment & furniture


Structural engineer

Tier 4 / An Additional $20,000

“Start Operations”

Completed requirements for Tier 1, 2 and 3 and EITHER
4A.  Copy of completed and signed inspection card; OR

4B.  Copy of invoices to cover costs associated with bringing the loan applicant’s cannabis facility into compliance with building and fire code requirements in order to obtain a completed inspection card

Items in Tiers 1, 2 & 3



Marketing and Advertising

Event permits

IT and Website

Acquiring more space


Completing construction

Tier 5/ An Additional $50,000

“Grow the Business”


Completed requirements for Tier 1, 2, 3 and 4, copy of completed and signed inspection card, and Proof that the business is EITHER:

  • 100% owned by individuals satisfying the City of Oakland equity criteria as evidenced by the operating agreement; OR
  • Will match the City of Oakland loan amount in cash with an equal size loan or investment from a Third-Party as evidenced by uploading a completed and signed “Tier 5 Equity Loan Match Form”.
Items in Tiers 1, 2, 3 & 4
Tier 6/ An Additional $25,000

“Expand the Business”


Tier 6 is only available to businesses that are either 100% owned by equity qualified individuals or businesses that match the City’s loan amount with an equal-sized loan from a third-party. Items in Tiers 1, 2, 3, 4 & 5