Cannabis businesses are increasingly seeking broader financial services beyond basic banking, with satisfaction rates rising to 92% in 2026, according to Shield Compliance’s latest industry survey. The findings, released at the PBC Conference, highlight strong demand for credit and payment solutions amid anticipated federal policy changes.

Key Survey Findings

The 2026 Cannabis Industry Banking Satisfaction Survey indicates that nearly three-quarters (73%) of respondents expect federal rescheduling to significantly impact their operations. Operators are specifically requesting guidance on updated banking requirements and tax structures, alongside greater access to lines of credit and lending facilities.

Policy shifts regarding hemp also present substantial implications. Nearly 40% of respondents stated that closing the intoxicating hemp loophole would moderately or significantly affect their business. Some anticipate reformulating products, while others expect reduced competition from unregulated markets.

Credit Access Challenges

Despite growing demand for financial products, access to commercial credit remains constrained. Only about 5% of respondents reported that commercial credit is readily available. Conversely, 38% said it is not available at all, while 45% described it as somewhat available.

Demand for specific financial instruments remains robust:

• Operating lines of credit: 74%
• Equipment financing: 57%
• Real estate loans: 55%

Operators also expressed interest in expanded services, including B2B payments, money market accounts, retail payments, and payroll solutions.

What the Numbers Show

A notable divergence exists between operational challenges and customer loyalty. While only 5% of respondents found commercial credit readily available, favorable banking satisfaction increased from 84% in 2025 to 92% in 2026. Simultaneously, the likelihood of changing financial institutions dropped from 23% to 12% over the same period. This suggests that relationship quality and industry expertise are currently outweighing product limitations in driving retention.

Tony Repanich, President and CEO of Shield Compliance, noted that personal service continues to drive loyalty, with responsive relationship managers cited as primary reasons for staying with current institutions.

Financial Outlook

Cash flow and profitability remain top concerns for operators, followed by credit access and regulatory compliance. However, sentiment regarding future performance is optimistic, with 51% expecting industry profitability to improve or improve significantly over the next two to three years.