Business Loans

Raising capital for a cannabis business can be one of the most challenging aspects of launching and scaling a company in this highly regulated, rapidly evolving industry. Many entrepreneurs instinctively think of venture capital as the go-to funding source. But in reality, venture funding in cannabis is highly selective, often limited to a small number of high-growth startups with unique market positions. So, what do you do if you’re a cannabis entrepreneur with a solid business plan but no VC connections? Fortunately, there are practical, strategic, and sustainable ways to raise capital for a cannabis business without giving up equity to venture capitalists. Why Look Beyond Venture Capital? One of the main reasons business owners seek alternatives to VC is the desire to maintain control. Venture capital firms typically require a significant equity stake in return for funding, along with decision-making power and influence over business operations. For cannabis entrepreneurs who are passionate about their brand and vision, this can be a dealbreaker. That’s where alternative funding strategies come in. State of Traditional Lending in Cannabis Bank loans are still off-limits for many cannabis businesses due to the federal legal status of marijuana in the United States. This has opened the door for a variety of private and non-traditional funding sources. The good news is, these options not only exist—they’re growing in popularity and accessibility. What Alternative Lenders Are Looking For The first step is understanding what lenders and investors outside of the VC space are looking for. Private lenders, angel investors, and family offices are now actively exploring opportunities in the cannabis sector, drawn by its growth potential and underserved market. They often look for strong fundamentals: a sound business model, a clear path to profitability, strong leadership, and compliance with local and state laws. These players don’t always need the hockey-stick growth projections that VCs demand, making them a better fit for many cannabis operators. Debt Financing One increasingly popular strategy is debt financing. Unlike equity financing, debt financing allows you to borrow money and repay it over time, usually with interest, without giving up any ownership in your company. For cannabis businesses, this often comes in the form of equipment loans, working capital loans, or even asset-based lending, where your inventory, real estate, or equipment is used as collateral. These loans are generally issued by private lenders who understand the nuances of the cannabis industry. Exploring Revenue-Based Financing Another proven route is revenue-based financing. With this method, the investor provides capital in exchange for a percentage of your future revenues until a fixed return is achieved. It’s a flexible alternative that aligns the investor’s success with your performance. While less common than traditional loans, it’s gaining traction in cannabis, where predictable revenue streams—especially from dispensaries—make it an attractive model. Using Crowdfunding to Mobilize Community Support Crowdfunding is also emerging as a powerful tool for cannabis startups and existing businesses. Platforms like Mainvest and Fundanna specialize in cannabis crowdfunding campaigns. Unlike GoFundMe-style donation campaigns, equity crowdfunding allows investors to receive a stake in your company, or you can structure campaigns where they receive revenue-sharing or product perks instead. The regulatory environment around crowdfunding is becoming more favorable, allowing cannabis businesses to raise funds from their community without involving institutional investors. Strategic Partnerships for Growth Capital Strategic partnerships can serve as a capital source without venture capital involvement. For example, a cannabis cultivator might partner with a distribution company that provides upfront capital in exchange for a long-term supply agreement. These mutually beneficial agreements allow both parties to grow together without diluting ownership or seeking external financing. Leveraging Cannabis Real Estate Financing Then there’s real estate financing. If your cannabis business owns or plans to acquire property, sale-leaseback agreements can be a viable option. In this model, you sell your property to a specialized cannabis real estate investor and lease it back over time. This allows you to convert a fixed asset into liquid capital without disrupting operations. It’s especially effective for operators looking to expand or reinvest in other areas of their business. Cannabis real estate financing is no longer a fringe concept—it’s a mainstream strategy in a capital-constrained industry. Grants and Equity Programs Grants are another overlooked resource. While rare, some local governments and social equity programs offer grants or forgivable loans to cannabis businesses owned by minorities, women, or individuals impacted by prior marijuana convictions. These programs don’t require repayment or equity exchange and are worth exploring if you qualify. Staying informed about changing state and municipal legislation can help you uncover hidden funding opportunities. Generating Capital Through Pre-Sales and Subscriptions One of the most creative ways to fund your cannabis business is through pre-sales and subscriptions. If you’re launching a dispensary or product line, consider building hype through pre-orders or subscription boxes. This strategy can generate upfront revenue, validate market demand, and give you working capital to get off the ground. It’s a grassroots approach, but in a community-driven industry like cannabis, it can be incredibly effective. Friends, Family, and Personal Investment You should also leverage your existing network. Personal savings, friends, and family remain one of the most common sources of early-stage funding. While it’s not without risk, borrowing from people who believe in your vision can be the bridge you need to reach profitability. Just make sure you structure any personal loans or investments properly, with clear terms to avoid misunderstandings down the line. Presenting Yourself as a Serious Business Finally, having a strong digital and operational presence boosts your credibility. Lenders and alternative investors will want to see that you’re serious: updated financials, a polished pitch deck, compliance documentation, and a clear plan for how funds will be used. This professional polish can make the difference between rejection and approval, even in a high-risk sector like cannabis. Raising capital outside of venture funding doesn’t mean settling for less—it means playing smarter. From cannabis real estate financing to strategic partnerships and revenue-based models, a growing ecosystem of funding options is emerging, tailored

Securing funding in the cannabis industry has always been a unique challenge. Traditional banks remain hesitant, and alternative lenders set rigorous standards before offering financial support. Whether you’re a grower, distributor, or retail operator, accessing capital for cannabis business requires a deep understanding of what lenders want. Understanding the Cannabis Financing Landscape The cannabis industry is still federally illegal in the United States, making conventional financing channels largely inaccessible. As a result, cannabis entrepreneurs often turn to private lenders, venture capitalists, and specialized financial institutions. These entities offer tailored cannabis business loans, assessing applicants based on specific benchmarks to mitigate risk. Knowing these benchmarks increases your chances of approval. A Proven and Profitable Business Model Lenders want to see that your cannabis business is built on a solid and sustainable model. This goes beyond enthusiasm or potential. You’ll need to present a carefully structured business plan that includes a thorough market analysis, realistic operational projections, and an understanding of your competitors. If your business is already generating revenue or has signed agreements with distributors, that will significantly strengthen your application. Lenders favor companies that show they’ve moved past the startup phase and are actively executing a clear and achievable plan. Legal Compliance and Licensing In the cannabis sector, legal compliance is critical. To even be considered for financing, your business must hold all required local and state licenses that allow you to operate legally. Any past legal issues, license violations, or lapses in compliance can jeopardize your chances of securing funding. Lenders often require documentation proving that your business follows cannabis-related laws, zoning regulations, and safety standards. This helps assure them that your operation won’t run into costly legal trouble down the line. Clear Financial Records and Tax Documentation Transparency is essential in earning a lender’s trust. Your financial documents offer a window into your business’s stability and ability to repay loans. Be prepared to present detailed and up-to-date financial statements, including income statements, balance sheets, and cash flow reports. If your business has been operating for a few years, submitting at least two years of tax returns is ideal. For newer businesses, you should include comprehensive pro forma financial projections that outline expected revenue, expenses, and cash flow over the next few years. Collateral and Valued Assets Lenders often want to secure their investment with collateral. In the cannabis industry, this usually involves using real estate, equipment, inventory, or other business assets as a security pledge. For instance, land or facilities used for cultivation or retail purposes are commonly accepted as collateral. To strengthen your case, provide a professional valuation of your assets. This not only gives lenders confidence in the value of their security but also shows that you’ve put thought into your application and are serious about protecting their investment. Experienced Management Team A knowledgeable and skilled leadership team can make all the difference when lenders are assessing your business. They want to know that the people in charge have the background and experience needed to manage the business successfully, especially in a complex and evolving industry like cannabis. Highlight the qualifications of your leadership team. Experience in areas such as business operations, compliance, finance, or the cannabis industry itself can reassure lenders that their funds will be managed with care and expertise. Strong Debt-to-Income Ratio and Creditworthiness Lenders will also assess your company’s debt-to-income (DTI) ratio to gauge how well you can manage additional debt. A lower DTI suggests that your business is handling its current financial obligations responsibly and can take on more. In many cases, especially for small or medium-sized businesses, lenders may also evaluate the personal credit scores of the business owners. A strong personal credit history reflects financial discipline and reduces perceived risk, increasing the likelihood of loan approval. Business Plan and Loan Purpose A detailed business plan is essential. This document should explain your business vision, objectives, market research, and the specific purpose for the loan. Whether you intend to use the funds for expansion, equipment purchases, or inventory, clarity matters. Lenders appreciate transparency and are more likely to fund businesses with a clear and strategic plan for using cannabis business loans. Common Pitfalls to Avoid Even strong businesses can make mistakes that hurt their chances of securing funding. Common errors include vague business plans, incomplete financial documentation, and underestimating regulatory complexity. To avoid these issues, consider working with a financial advisor familiar with cannabis financing. Role of Cannabis-Specific Lenders Unlike traditional banks, cannabis-specific lenders understand the nuances of the industry. They evaluate risk differently and often provide more flexible terms. However, they still apply rigorous screening processes. Partnering with a lender who specializes in capital for cannabis businesses can streamline the process and improve your approval chances. Qualifying for cannabis financing is challenging but far from impossible. By aligning your application with the seven key criteria outlined above, you demonstrate credibility, preparedness, and responsibility—qualities that lenders value. Need help looking for the right financing partner? Alta Real Estate Fund specializes in providing cannabis business loans tailored to your goals. Contact them via email or by visiting their website.

In the fast-growing world of cannabis, securing capital is one of the biggest hurdles businesses face. Whether you’re launching a dispensary, expanding cultivation facilities, or investing in real estate, the need for cannabis financing is constant. But with a unique set of regulations, stigmas, and limited lending options, navigating the financing landscape can be tricky. Worse yet, common mistakes can delay funding or lead to outright rejections. Not Understanding the Unique Challenges of Cannabis Financing Unlike traditional industries, cannabis businesses face federal legal hurdles that affect access to banking and capital. Many entrepreneurs assume that financing for cannabis works like any other business loan. That assumption can be costly. Work with lenders or financial institutions that specialize in cannabis business loans. Educate yourself on the differences in underwriting, compliance, and collateral requirements specific to the industry. Be prepared for higher interest rates and more stringent conditions due to the perceived risk. Also Read – Cannabis Loan Approval Tips Failing to Present a Solid Business Plan Lenders want assurance that you have a clear path to profitability. Submitting a vague or poorly structured business plan is a red flag. Even if you have experience, the cannabis industry’s volatility makes lenders cautious. Include detailed financial projections, operational plans, competitive analysis, and regulatory strategies. Highlight your team’s experience and relevant industry partnerships. Tailor your business plan to show you understand the cannabis sector and its unique risks. Also read – Improve Your Credit Score Neglecting Regulatory Compliance Cannabis is one of the most heavily regulated industries in the U.S. A single compliance issue can halt operations and derail funding. Some operators underestimate how crucial regulatory standing is to lenders. Keeping all licensing and permits up-to-date. Demonstrating a track record of compliance. Including compliance systems in your business plan or pitch. A lender’s confidence in your regulatory standing is often as important as your credit history. Overestimating Valuation or Revenue Many cannabis operators inflate revenue projections or business valuations to impress lenders. However, this can backfire, making you look unrealistic or dishonest. Be conservative and data-driven in your financial projections. Use comparables from similar-sized cannabis businesses in your market. Include third-party valuations or audits if available. Honesty and transparency will get you further than optimism when it comes to financing. Applying to the Wrong Type of Lender Not all lenders are created equal, especially in the cannabis space. Traditional banks may shy away due to federal restrictions, while some private lenders may charge predatory rates. Research cannabis real estate lenders and cannabis-friendly financial firms. Understand the difference between debt financing, equity investment, and sale-leaseback options. Align your financing needs with a lender’s specialty (e.g., real estate loans vs. working capital). Choosing the right lender can mean the difference between a smooth process and a financial headache. Not Being Transparent About Financials or Ownership Cannabis lenders scrutinize every part of your financials and business structure. If they sense that something is hidden or misrepresented, your application may be rejected outright. Clear documentation of revenues, costs, and cash flow. Full disclosure of ownership, including investors and partners. Explanation of past financial issues, if any, with a resolution plan. Being upfront builds trust, a key factor in cannabis lending. Ignoring Real Estate as a Financing Lever Many cannabis operators overlook one of the most powerful tools in their arsenal: real estate. If you own property, you can leverage it for cannabis real estate loans or sale-leaseback deals that free up capital. Get your property appraised to understand its value. Explore cannabis sale-leasebacks to generate working capital while retaining operational control. Talk to cannabis real estate lenders who understand the zoning and regulatory needs of your facility. Using real estate strategically can provide access to large sums of capital without giving up equity. Cannabis financing isn’t easy, but with the right approach, it’s possible. Avoiding these seven common mistakes will not only improve your chances of approval but also help you negotiate better terms and build long-term relationships with lenders. Need help looking for the right financing partner? Alta Real Estate Fund specializes in cannabis real estate funding, business loans, and custom capital solutions tailored to your goals. Contact them via email or by visiting their website.

As the cannabis industry continues to grow, so does the demand for financing. Whether launching a new cannabis venture or expanding an existing one, securing a loan is often crucial. However, one major obstacle for many entrepreneurs is their credit score. A strong credit score is essential for qualifying for cannabis loans, as it demonstrates to lenders that you are financially responsible and capable of repaying borrowed funds. Improving your credit score might seem daunting, but with the right strategies and dedication, you can achieve it. Why Credit Scores Matter for Cannabis Loans Cannabis businesses face unique challenges when seeking financing, including regulatory complexities and a limited pool of willing lenders. These factors make presenting yourself as a low-risk borrower even more crucial. Lenders use credit scores as a measure of financial reliability. A high credit score suggests that you have a history of managing debt responsibly, which increases your chances of loan approval. Conversely, a low credit score can raise red flags, making it difficult to secure the funding you need. For cannabis businesses, lenders may impose stricter credit requirements due to the industry’s perceived risks. This means improving your credit score isn’t just beneficial—it’s often necessary. Know your Credit Score Before diving into ways to improve your credit score, it’s important to understand what factors contribute to it. Credit scores typically range from 300 to 850 and are influenced by five main components: Payment history (35%) Whether you’ve paid your bills on time. Late or missed payments negatively impact your score. Credit utilization (30%) The percentage of your available credit that you’re using. High credit utilization can signal financial stress. Credit history length (15%) How long have you had credit accounts? A longer credit history demonstrates stability. Credit mix (10%) The variety of credit accounts you have (e.g., credit cards, loans). A diverse credit mix shows you can manage different types of credit. New credit inquiries (10%) Applications for new credit accounts. Frequent inquiries can lower your score temporarily. Steps to Improve Your Credit Score Improving your credit score requires consistent effort and smart financial decisions. Here’s how you can make meaningful progress: Check your credit report for errors Start by obtaining a copy of your credit report from the major credit bureaus—Equifax, Experian, and TransUnion. Review your report carefully for any inaccuracies, such as: Accounts that aren’t yours. Incorrect payment histories. Inaccurate credit limits. If you spot errors, file a dispute with the credit bureau. Correcting mistakes can quickly boost your credit score. Pay your bills on time Payment history has the largest impact on your credit score. Missing even a single payment can significantly lower your score. To avoid this: Set up automatic payments for recurring bills. Use reminders or alerts to keep track of due dates. Prioritize paying at least the minimum amount due on each account. If you’ve missed payments in the past, focus on consistently making on-time payments moving forward. Over time, this will help repair your credit history. Reduce credit card balances High credit utilization—using a large percentage of your available credit—can harm your score. Aim to keep your credit utilization below 30%, and ideally under 10%. Here’s how: Pay down high-interest credit card balances first. Spread out balances across multiple cards to lower utilization on any single account. Avoid closing credit card accounts, as this reduces your available credit and increases your utilization ratio. Avoid applying for new credit unnecessarily Every time you apply for credit, a hard inquiry is added to your report, which can lower your score temporarily. To avoid this: Only apply for new credit accounts when necessary. Research lenders beforehand to ensure you meet their requirements, reducing the need for multiple applications. For cannabis loans, wait until your credit score is strong enough to give you the best chance of approval before applying. Build a longer credit history While you can’t fast-forward time, you can take steps to build a solid credit history: Keep older credit accounts open, even if you don’t use them frequently. Use credit responsibly over time to demonstrate consistent behavior. If you’re new to credit, consider opening a secured credit card or becoming an authorized user on someone else’s account. Diversify your credit mix Having a variety of credit types can boost your score. If your credit history only includes one type of account, consider adding another type responsibly, such as: A small personal loan. A retail credit card. Make sure you can manage additional accounts effectively to avoid financial strain. Negotiate with creditors If you’re struggling with unpaid debts or accounts in collections, contact your creditors to negotiate: Ask for a payment plan that fits your budget. Request a goodwill adjustment to remove a late payment from your record (especially if it was a one-time issue). Demonstrating a proactive approach to resolving debts can improve your credit score over time. Avoid closing old accounts Closing old credit accounts reduces your available credit and shortens your credit history, both of which can negatively impact your score. Instead, keep accounts open, even if you rarely use them. Pay off debts strategically If you have multiple debts, consider using one of the following strategies: Debt snowball method – Pay off the smallest debts first to build momentum. Debt avalanche method – Focus on paying off debts with the highest interest rates first to save money in the long run. Both methods can help you reduce debt and improve your credit score. Monitor your progress Regularly track your credit score to monitor improvements and identify areas that need more attention. Many financial institutions and credit card companies offer free credit score tracking tools. Specific Tips for Cannabis Entrepreneurs The cannabis industry poses unique challenges for credit improvement, including: Industry perception – Some lenders may view cannabis businesses as higher-risk due to regulatory uncertainties. Address this by presenting a strong business plan alongside your credit improvement efforts. Alternative financing options – If traditional lenders aren’t an option, consider cannabis-focused financial institutions or private lenders who are

The cannabis industry offers tremendous opportunities, but securing financing can be challenging due to the unique legal and regulatory landscape. A good credit score is essential for obtaining cannabis business loans, as lenders rely heavily on creditworthiness to assess the risk of lending. Improving your credit score can significantly enhance your chances of securing the necessary funding. Credit scores for cannabis business loans Before diving into strategies to improve your credit score, it’s essential to understand what a credit score is and how it’s calculated. A credit score is a numerical representation of your creditworthiness, typically ranging from 300 to 850. It’s based on your credit history and is used by lenders to evaluate the risk of lending to you. Credit scores are calculated using several factors: Payment history (35%) – Your track record of making on-time payments. Amounts owed (30%) – The total amount of debt you owe and your credit utilization ratio. Length of credit history (15%) – The age of your credit accounts. New credit (10%) – The number of new credit accounts and recent inquiries. Credit mix (10%) – The variety of credit types you have, such as credit cards, mortgages, and loans. Strategies to improve your credit score Review your credit report Start by obtaining a copy of your credit report from all three major credit bureaus: Experian, Equifax, and TransUnion. Review the reports for any errors or discrepancies that could be negatively affecting your score. Common errors include incorrect personal information, inaccurate account details, and unauthorized accounts. Dispute any inaccuracies with the credit bureaus to have them corrected. Pay your bills on time Payment history is the most significant factor affecting your credit score. Make sure to pay all your bills on time, including credit cards, loans, utilities, and other obligations. Set up automatic payments or reminders to help you stay on track. Consistently making on-time payments will gradually improve your credit score. Reduce your debt The amount of debt you owe and your credit utilization ratio (the percentage of your available credit that you’re using) are crucial factors in your credit score. Aim to keep your credit utilization below 30%. To achieve this: Pay down existing debt as much as possible. Avoid maxing out your credit cards. Consider spreading your debt across multiple accounts if feasible. Avoid opening too many new accounts While having some new credit can be beneficial, opening too many new accounts in a short period can negatively impact your credit score. Each application results in a hard inquiry on your credit report, which can lower your score. Be strategic about applying for new credit and only open accounts when necessary. Maintain older accounts The length of your credit history plays a significant role in your credit score. Keeping older accounts open can positively impact your score, as it shows a longer history of credit management. Avoid closing old accounts, even if you don’t use them frequently, as this can shorten your credit history and negatively affect your score. Diversify your credit mix Having a diverse mix of credit types, such as credit cards, mortgages, and loans, can positively impact your credit score. If you have only one type of credit, consider adding another, such as a small personal loan or a credit card. However, ensure that you can manage any additional debt responsibly. Monitor your credit regularly Regularly monitoring your credit allows you to stay informed about your credit status and detect any potential issues early. Many financial institutions and credit bureaus offer free credit monitoring services. By keeping a close eye on your credit report, you can take proactive steps to address any problems that arise. Building business credit In addition to your credit score, building a strong business credit profile is crucial for securing loans for cannabis. Here are steps to build and improve your business credit: Establish a business entity Forming a legal business entity, such as an LLC or corporation, separates your personal and business finances. This is the first step in building a distinct business credit profile. Register your business with the appropriate state authorities and obtain any necessary licenses and permits. Obtain an Employer Identification Number (EIN) An EIN is a federal tax identification number for your business, similar to a Social Security number for individuals. You’ll need an EIN to open business bank accounts, apply for business licenses, and establish business credit. Open a business bank account Opening a business bank account helps separate your personal and business finances. It also establishes a banking relationship that can be beneficial when applying for capital for the cannabis business. Use this account for all business transactions to maintain clear and organized financial records. Apply for a business credit card A business credit card can help build your business credit profile. Use the card for business expenses and make timely payments to demonstrate responsible credit management. Look for cards that report to the major business credit bureaus, such as Dun & Bradstreet, Experian Business, and Equifax Business. Establish trade lines with vendors Working with vendors that extend credit terms can help build your business credit. Request net-30 or net-60 payment terms from suppliers and ensure you pay invoices on time. Some vendors report payment history to business credit bureaus, which can positively impact your business credit score. Monitor your business credit Regularly check your business credit reports to ensure they accurately reflect your credit history. Dispute any errors or inaccuracies with the business credit bureaus. Monitoring your business credit allows you to stay informed about your credit status and take proactive steps to improve it. Leveraging professional help Improving your credit score can be a complex and time-consuming process. Consider seeking professional help to guide you through the process: Credit counseling Credit counseling agencies can provide advice and resources to help you manage debt and improve your credit. Look for reputable, nonprofit credit counseling organizations that offer personalized services. Financial advisors A financial advisor can help you develop a comprehensive financial plan to improve

Cannabis firms have a number of unique hurdles, including obtaining funding. If you are fortunate enough to secure a cannabis company financing, you must properly handle it. By following these guidelines, you may guarantee that you repay your loan on time and in full and that you use the loan money to effectively build your business. Create a budget and stick to it Once you have received your loan funds, you must develop a budget outlining how you intend to utilize them. This budget should account for all of your company’s costs, including inventory, payroll, and marketing. A line item for loan repayments should also be included. Once you’ve established a budget, stick to it as closely as possible. Any budget modifications should be thoroughly evaluated and authorized. Make loan repayments on time and in full Making timely and complete loan payments is critical to keeping a positive relationship with your lender. It is also essential for your company’s credit score. If you miss a loan payment, you may be charged late fees and your interest rate may be raised. You may even be in default on your loan in some situations, which may result in legal action being taken against you. Use the loan funds to grow your business Your cannabis company loan should be used to help you develop your firm. This entails investing loan funds in inventory, equipment, marketing, and other efforts that will help you produce more income. Keep meticulous track of your expenditures and make any budget modifications. Keep your financial records in order Good financial recordkeeping is critical in any business, but it is especially critical in cannabis operations. This is due to the fact that cannabis firms face intense scrutiny from authorities. Maintain complete financial records, including invoices, receipts, and bank statements. This will assist you in keeping track of your expenditures, preparing your taxes, and adhering to all necessary requirements. Work with a financial advisor Consider engaging with a financial professional if you are unsure how to handle your cannabis company financing or your firm finances in general. A financial counselor can assist you in developing a budget, tracking your spending, and making wise financial decisions. Here are a few more pointers for handling your cannabis company loan: Create a separate bank account for loan payments. This will assist you in being organized and ensuring that you always have enough money to make your loan installments on time. Make your loan repayments automatic. This will assist you in not forgetting to make a payment. Establish a rapport with your lender. Get to know your lender and be honest about your financial condition with them. This will make it easier for them to deal with you if you ever have trouble paying a loan payment. Keep an eye on your credit score. Your credit score is a crucial component in determining your interest rate and future loan eligibility. Maintain a close eye on your credit score and, if required, take actions to enhance it. Celebrate your accomplishments. When you complete a loan payment on time or hit a financial milestone, remember to celebrate your accomplishment. This will assist you in remaining motivated and on track. You may efficiently manage your cannabis company financing and develop your firm by following these guidelines. Alta Real Estate Fund is the perfect option if you are looking for a company that offers loans for cannabis, cannabis business loans, capital for cannabis business, or cannabis real estate loans. They really understand their client’s businesses and needs, and come up with creative tailor-made finance structures that make the company’s performance simpler and more efficient. Write to ir@alta-financial.com or visit their website https://www.alta-fund.com/.