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. Consequently, their decisions are not based solely on empirical creditworthiness and financial merit, which can affect a person’s fair access to capital—the number one barrier to wealth creation. Good Tree Capital was founded on this belief, and it is our mission to create fair access to capital for all.

In 2015, we built a proprietary algorithm that assesses credit risk only using 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 innovative technology that determines the likelihood of default with significantly more accuracy, speed and at a lower cost than traditional banks.

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Why cannabis?

We chose to put our technology to work in the cannabis industry because it offers an excellent opportunity to test our model and operationalize our mission.The cannabis industry has proven itself to be essential and the industry is on pace to reach $73 billion by 2024. Because banks are on the sidelines, about 80% of cannabis businesses remained unbanked, creating an unmet demand for banking services.

Also 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 have both the opportunity and the obligation to remove that barrier—creating value for borrowers and investors alike..

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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