Financial underwriting is only half the story.
Cannabis borrowers can pass financial underwriting and still expose your capital to catastrophic loss. OPS provides lenders with independent verification of operational controls, insurance adequacy, and compliance status — protecting your portfolio from preventable losses.
Your collateral value can evaporate overnight — even with strong financials.
Safety incidents that shut down production, equipment failures from poor maintenance, product contamination from inadequate quality control.
Regulatory violations that threaten licenses, documentation failures that invalidate insurance claims, SOPs that exist on paper but aren't enforced.
Insufficient coverage limits, policy exclusions not understood, lapsed or invalid certificates of insurance.
Pre-Funding Operational Due Diligence
Comprehensive facility risk assessment, compliance status verification, insurance adequacy review, quality management evaluation, safety program assessment, and SOP/documentation audit.
OPS Intelligence Report with risk scoring and actionable recommendations
Ongoing Loan Oversight
Quarterly compliance monitoring, COI tracking and renewal alerts, loss prevention program verification, regulatory status monitoring, and performance metric tracking.
Quarterly Risk Intelligence Updates
Portfolio Risk Reporting
Aggregate risk metrics across borrowers, regional compliance trend analysis, industry benchmark comparisons, early warning indicators, and loss prevention opportunities.
Annual Portfolio Risk Analysis
Incident Response Support
Immediate operational assessment after loss events, insurance claim documentation support, regulatory response coordination, and remediation planning and verification.
Incident Response Report with recovery recommendations
Risk mitigation
Independent verification of operational controls, insurance adequacy, and compliance — before capital is deployed.
Competitive advantage
Confident lending in a category most institutions won't touch, backed by evidence financial underwriting can't produce.
Portfolio performance
Early warning on emerging borrower risk; fewer preventable losses; documented improvement across the book.
Efficiency
Standardized intelligence reports and quarterly updates that plug into existing credit and portfolio review processes.
Per-Loan Assessment
Include OPS assessment as a loan condition. Use the Intelligence Report for final underwriting; incorporate findings into loan covenants.
Portfolio Monitoring
Comprehensive facility assessments across the book. Standardized risk intelligence to supplement financial due diligence.
Strategic Partnership
Ongoing operational oversight across originations and renewals. Dedicated support for underwriting and credit committee reviews.