Reklaim Credit Solutions Launches Cannabis‑Specific Commercial Credit Agency

Newly announced start-up Reklaim Credit Solutions has launched as what it calls the first commercial credit rating agency built specifically for the legal cannabis industry, entering a market long hampered by limited access to reliable credit intelligence for B2B transactions.

For years, cannabis operators have extended trade credit with little visibility into a business customer’s payment behavior because major credit bureaus such as Dun & Bradstreet, Experian, and Equifax have not provided meaningful commercial credit data for cannabis businesses. The gap has contributed to chronic late payments, rising write‑offs, and supply chain instability across state‑legal markets.

Reklaim says its platform was designed to directly address the problem that drives hundreds of millions of dollars in losses each year.

Neural Network Model Tailored to Cannabis Finance

The company’s system uses a proprietary neural network ensemble model that aggregates accounts receivable data, integrates with Secretary of State records and state cannabis regulatory data, and applies predictive analytics developed by specialists in credit risk and cannabis finance. The result is a set of cannabis‑specific commercial credit scores, credit limit recommendations, and full credit reports calibrated to the financial realities of operating in a federally complex industry.

CEO and founder Kraig Fox, a longtime cannabis investor and operator, says the lack of payment accountability has become untenable for businesses that rely on trade credit to move inventory.

“Operators are sending inventory out on trade credit with zero visibility into who they are extending credit to. No scores, no limits, no history. It is a broken system that costs this industry hundreds of millions of dollars every year,” Fox said in a press release. He added that the company built a model that major agencies “could not or would not” develop for cannabis.

Shift From Historical Reporting to Predictive Intelligence

Industry trade associations have helped operators share payment behavior and flag bad actors, but those systems are retrospective by design. Reklaim positions itself in a different category, offering forward‑looking credit intelligence intended to help operators assess risk before extending terms.

By applying machine learning to aggregated financial data, the platform aims to predict future payment performance rather than simply documenting past behavior.

Beta Phase Expands With Operator Participation

Reklaim is currently in beta and is working with operators in multiple states to import accounts receivable aging and payment history data. The company says this collaborative data ingestion phase is critical for training the model across diverse transaction patterns and improving predictive accuracy.

Reklaim is seeking additional beta partners, including multi‑state operators, regional distributors, and single‑market businesses interested in contributing data and gaining early access to cannabis‑specific credit intelligence as the platform matures.