We believe that fair access to capital is fundamental to economic empowerment.

We are Good Tree Capital.

Meet Good Tree Capital

Currently bank lending relies heavily on human decision-making. When you apply for a loan, the loan officer sitting across from you is bringing all of their conscious and subconscious bias to the vetting process. Consequently, their decisions are not based solely on empirical creditworthiness and financial merit, which can affect a person’s ability to obtain fair access to capital—the number one barrier to obtaining financial freedom. We believe fair access to capital is an essential ingredient to building wealth, and we employ innovative technology to fight for financial empowerment for all.

Since our founding in 2015, we have placed considerable emphasis on building an algorithm that assesses credit risk only using the factors with predictive value (e.g. monthly income, years in business) while avoiding factors with no predictive value (e.g. gender, race). The result, and our core competitive advantage, is a proprietary technology that determines the likelihood of default with significantly more accuracy, speed and at a lower cost than traditional banks. We are the future of small business lending.

Why cannabis?

We chose to put our own technology to work in the cannabis industry for two reasons:

  1. Because banks are still on the sidelines, there’s virtually no competition. This allows us to refine our technology, make mistakes and perfect our model.
  2. The cannabis industry represents a unique opportunity to operationalize our mission. The fact is that the majority of current cannabis license holders bear little resemblance to the people who have historically shouldered the burden of the war on drugs. And since capital is the #1 barrier to those people participating in this industry, we intend to remove that barrier.

Meet our team

Seke Ballard

CEO & Founder

Nik Green

COO

Alina Cowden

CMO

Meet our team

Seke Ballard

CEO & Founder

Nik Green

COO

Alina Cowden

CMO

Get in touch

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