Managing Partner @ CannaBIZ Collects & CCA | 🌎 Travel | Innovative Disrupter | Helping companies collect their 💰

I’m driven by the challenge to build great businesses with great people to solve real problems. 

My career began in 2015 after being promoted to CEO of a vertically integrated cannabis company in Colorado, where I gained hands-on experience and deep insights into the industry.

Later, I co-founded a specialty child-resistant cannabis packaging business, where I served as CEO. In 2022, I sold my shares in the company, achieving a personal exit while the business continued operating independently.

Currently I’m the Founder & Managing Partner of CannaBIZ Collects, the nation’s first and leading cannabis-focused collection agency started in 2017. In this role, I work to support cannabis businesses in navigating the unique legal and financial challenges related to A/R and collections.

I’m also the founder of the Cannabiz Credit Association, the first trade credit group in the cannabis industry, where we provide tools for risk monitoring and credit assessments to help businesses make better financial decisions and manage risk effectively.

I earned a BBA in Finance from The University of Georgia, and today, I’m based in St. Petersburg, FL. I’m committed to exploring new opportunities, improving business practices in the industry, and mentoring aspiring entrepreneurs who are looking to make an impact.

Brett Gelfand

I can’t tell you how many times we hear this:

“We were waiting to see what happened.”
“We thought they’d turn it around.”
“We didn’t want to strain the relationship.”

Then the company closes.
Or goes into receivership.
And suddenly they want to collect.

Here’s the hard truth most operators don’t understand:

Once a cannabis company shuts down or enters receivership, collectability is basically zero.

At that point:
 • Cash is gone
 • Inventory is liquidated
 • Secured creditors are first in line
 • Unsecured vendors are last

And if there’s no personal guarantee, you cannot just “go after the owner.”

An LLC or corporation exists specifically to shield personal assets.
No PG = no personal exposure.

That means:
You extended trade credit to a legal entity that no longer has assets.

Game over.

In cannabis, this happens more than in most industries because:
 • Thin margins
 • Regulatory volatility
 • Cash flow constraints
 • Overleveraged operators

Waiting until collapse is not a strategy. It’s hope.

The operators who consistently reduce bad debt do three things differently:
1. They monitor payment behavior early.
2. They tighten terms at first signs of distress.
3. They escalate before insolvency, not after.

Collections is about timing.

If you’re placing accounts only after a closure announcement, you’re not managing credit risk. You’re documenting a loss.

And in this industry, prevention will always outperform recovery.

The goal isn’t to collect from bankrupt companies.

The goal is to never let it get there.

Founder @ CannaBIZ Collects & Cannabiz Credit Association (CCA) | Recovering unpaid 💰 and reducing credit risk for cannabis companies

Big news. And big moves with the team over at Cannabiz Credit Association.

View company: Cannabiz Credit Association

We’re excited to announce that TerrAscend has officially joined the Cannabiz Credit Association community!

TerrAscend is one of the leading vertically integrated cannabis operators in North America, with operations spanning multiple states and a reputation for disciplined growth.

Adding strong, established MSOs like TerrAscend to the CCA network continues to strengthen the quality of shared trade data across the industry. The more leading operators who participate, the more transparent and accountable cannabis credit becomes for everyone.

We’re proud to have them as part of the community.

#WelcomeMarijuanaVenture #CannabisMedia #CannabisIndustry #CannabisBusiness #CannabisInsights #CannabisCommunity #CCAMembers

“We already know who the good and bad payers are…”

We see this every day at Cannabiz Credit Association.

Then six months later they place $100,000+ in collections to CannaBIZ Collects.

Here’s the uncomfortable truth:

Anecdotal memory is not a credit policy.

In cannabis, most credit decisions are still made based on:
- A rep’s personal experience
- Word of mouth
- “They’ve always paid us”
- A relationship from three years ago

That’s not risk management. That’s optimism disguised as familiarity.

And in a capital-constrained market, optimism is expensive.

The operators who’ve been humble enough to adopt data-backed credit risk ratings have seen something very different:

- Reduced DSO
- Fewer surprise defaults
- More disciplined credit limits
- Faster approvals with less internal debate

Because they stopped relying on:

1. Traditional trade credit associations with long meetings and delayed decision-making or 2. Legacy credit bureaus or new credit risk startups with little to no meaningful cannabis payment data

And started leveraging real cannabis payment data built on over 10 years of credit and collections experience in the industry.

Cannabis is not CPG.
It’s not manufacturing.
It’s not distribution in any other vertical.

You cannot underwrite it with generic data.

The best operators don’t assume they “just know.”

They validate what they think with real data… and not just blind scoring/heresay they trust. 

That humility is what protects margins.

We see these credit mistakes every day in the cannabis industry, not because teams don’t care, but because structure is missing.

1. Extending credit without vetting - Trust isn’t credit data. Without visibility into payment behavior and existing trade debt, you’re guessing and guessing is expensive.
2. No written escalation process - If there’s no clear plan for 30, 60, or 90 days past due, invoices stall. Delay weakens leverage and signals tolerance.
3. Waiting too long to act - The longer an invoice sits unpaid, the harder it is to recover. Early action protects both cash flow and relationships.
4. Confusing loyalty with risk tolerance - Familiar partners can still be high risk. Longevity doesn’t cancel financial reality.

In cannabis, credit discipline isn’t aggressive. It’s necessary. Good intentions don’t pay invoices.

Want to spot risk earlier? Cannabis-specific credit data makes the difference. 

#CannabisBusiness #CannabisFinance #TradeCredit #AccountsReceivable #CannabisCredit #CashFlowManagement #CannabisOperators #RiskManagement

Credit Mistakes - CannaBIZ Collects

When we started building CCA, the first thing we did was call the traditional credit bureaus. We assumed they already had cannabis credit data. They had few trade lines. Almost no verified payment history.

So we built the reporting network ourselves. And built a tech-forward SaaS platform specific to cannabis, with hundreds of CRB companies contributing real payment data. 

The only source of truth to know who pays and who doesn't.

When we first started building the CCA, we did what anyone would do.
We called the “normal” credit bureaus.

We asked about cannabis data. Trade lines. Payment history. Risk scoring.

And the answer was always some version of the same thing:
 “It’s limited.”
 “It is hard to collect.”
 “It’s difficult to verify back to companies.”

The reality is simple. For decades, cannabis operated in the shadows. Cash businesses. No traditional banking. No consistent reporting. A lot of legitimate operators, but very little structured credit data.

So, of course, the files were thin.

Instead of accepting that, we decided to build what didn’t exist.

We worked directly with D&B analysts. We partnered with operators. We built reporting pipelines. We standardized how trade data gets captured. And we kept going until the picture started to look real.

Today, the CCA captures payment and trade data from more than 200 companies nationwide.

Not guesses. Not vibes. Actual reported performance.

That’s how you build the most comprehensive credit bureau in cannabis.
Because this industry may have started in the black market, but its future runs on transparency, accountability, and real credit data.

And someone had to do the hard work to capture it.

To know more about how CCA works, visit us at - https://lnkd.in/gG58eey6

#CannabisIndustry #CannabisBusiness #CannabisFinance #CannabisCredit #TradeCredit
#CreditRisk #CreditData #ARManagement #AccountsReceivable

CCA is the strongest source of credit data and insights to know whose who in cannabis.

Our Michigan data set is getting stronger every day with leading operators and CRBs actively reporting verified trade lines.

If you’re in Michigan and feel a Facebook group or he says/she says is a better credit process… I’d love to challenge you and get a demo set up with our team. 

It’s time to move this industry forward together.

We’re excited to announce that Northwoods Cannabis has officially joined the Cannabiz Credit Association community!

Northwoods Cultivation is a mission-driven cannabis grower in Michigan focused on premium flower, clean cultivation practices, and thoughtful genetics. With a commitment to sustainable growing and careful attention to plant health at every stage, they produce consistent, high-quality cannabis that resonates with both patients and adult-use consumers alike.

Their craft-focused approach and dedication to excellence make them a valued new member of the CCA network.

We’re proud to welcome their passion, leadership, and commitment to quality.

#WelcomeNorthwoods #CannabisCultivation #PremiumCannabis #CraftCannabis #CannabisIndustry #CannabisBusiness #CCAMembers

probably #1 reason I see companies struggling with cash flow and AR issues today. way too much reactivity. when proactive solutions exist... finally.

Most cannabis companies still operate in reactive mode.

A retailer places an order? Ship it.
They ask for terms? Sure.
Need a little higher limit? No problem.
Everybody gets a loan.

And when they eventually don’t pay… that’s when action happens. The emails start. The calls get tense. Then it ends up in collections through @Cannabiz Collects.

That’s the old playbook.

The new age operator looks very different.
They check credit before extending terms.
They decide how much to extend based on actual trade data.
 And if they’re already doing business, they monitor credit exposure over time.

Because companies can go south quickly in this market. A license change. A tax issue. A cash crunch. One bad quarter and suddenly everyone’s chasing the same dollars.

You don’t want to be the last to know.

Reactive businesses send accounts to collections.

Proactive businesses adjust limits before there’s a problem.

The industry is maturing. The question is whether your credit process is.

#CannabisIndustry #CannabisBusiness #CannabisFinance #CannabisCredit #TradeCredit #CreditRisk #AccountsReceivable #ARManagement #CashFlow #RiskManagement

Sara Simmonds

CEO Impact Innovator | Helping Purpose Driven Entrepreneurs Scale to $1 Million, $50 Million and Beyond | Follow Me For Systems On Sustainable Growth 🌎

Impact Innovator OS: 

The #1 In-House Growth System For Mission-Driven Founders, Conscious Coaches, and Innovators To Build Sustainable Scale As A Category Of One Business.

I help innovators simplify their business to a category of one so they can build sustainable scale to 7 figures, 8 figures and beyond.

I spent over a decade on the table as a buyer controlling $100M+ budgets for billion-dollar retailers. 

In 2006 I saw something that changed everything.

The Problem:

Each year, $49 trillion is spent on products & services globally. But buyers only choose the top 1% of businesses. The ones who lead as a Category Of One. The rest struggle. Their innovation never scales. It ends up as waste.

Why?

Corporations dominate because they know something most innovators don't: the proven system to lead as a Category Of One business.

My Mission:

I quit the corporate world to figure out how innovators who want to make an impact can actually scale.

My first company, Sharkah Chakra - The World's First Feel Good Sustainable Jeans Brand. I used my buyer intelligence to create a sellout launch. 

But we spent $150K trying to simplify our complex innovation. We outsourced our growth system to agencies. Our funding ran out.

The insight hit me: 

Entrepreneurs aren't taught to think like buyers. We think like sellers. We outsource to experts instead of building our own systems like corporations do.

My Second Company Changed Everything:

With Bespoke Your World, I built an in-house system to scale as a Category Of One. 0 to $300K in 12 months with the world's top 0.1% clients. Organically. No ads.

Then innovators started asking for the game plan.

So I Built Impact Innovator OS:

One integrated system using my Billion Dollar Buyer Intelligence Framework. 

Purpose. Positioning. Offer. Sales. Marketing. Organic scaling methods. Everything in house. Everything you own. Forever.

Founding Member Results:

→ Carol: $200K launches, scaling to $50M
→ Jo: $2M to $4M growth in 12 months
→ Amy: 0 to $300K launch in 90 days
→ Marie & Jason: 30% profit increase
→ Paula: Successful Exit Less than 12 Months

This Is Bigger Than Business:

This is a movement for every innovator working tirelessly to build a better world. For those who refuse to let their legacy innovation become part of the waste problem. For those ready to transform how we consume, how we scale, and how we lead.

Founding Member Access (Limited Spots):

DM 'SYSTEM' for founding member details
DM 'MASTERCLASS' for registration link
DM 'NEWS' for newsletter

Business Mentor

For a long time, I thought success was something you arrive at.

A destination.
A big moment.
A finish line.

I was wrong.

Success is built in the quiet moments no one applauds.

Last week, while hiking, I noticed something simple, but powerful.

I didn’t reach the top by feeling confident.
I didn’t reach it by having a perfect plan.

I reached it by choosing to move when stopping would’ve been easier.

Not fast.
Not perfectly.
Just forward.

That’s when it clicked:

Resilience isn’t loud.
It isn’t heroic.
It’s ordinary.

It’s the decision to keep going when you’re tired.
To keep building when you’re unsure.
To keep showing up when results are invisible.

My business didn’t grow because I had clarity every day.

It grew because I honored small progress:

One conversation.
One action.
One honest attempt.

Over and over again.

You don’t need to see the whole road.

You don’t need to know how it all works yet.

You only need to respect the step that’s in front of you.

Do that long enough…

And one day you look back and realize:

You’re much further than you ever imagined.

Keep walking.

Founder, Impact Innovator OS | The #1 Buyer Psychology Growth System for Mission Driven Founders, Conscious Coaches + Innovators to Scale Sustainably $1M-$50M+ as Category-of-One

Ten years ago, I made myself a promise.

One day, I would walk the trails of El Chaltén in Patagonia, not as an escape, but as a reminder of why I chose this path.

That hike wasn’t just about the mountains.
It was about following the footsteps of innovators who refused to compromise on what mattered.

The person who carried me through the hardest years was Yvon Chouinard, founder of Patagonia, the billion-dollar brand that was never meant to be one.

Yvon wasn’t a businessman chasing money.
He was a broke climber who simply wanted better gear.

So he taught himself blacksmithing.
Made tools for his friends.
Sold them out of his car for $1.50 each.

He didn’t set out to build a unicorn.
He just refused to abandon his values.

When being a purpose-led founder nearly broke me
when every part of me wanted to give up

I remembered his words:

“Impossible is the lamest of excuses.”

And I realised something important.

Quitting doesn’t make life easier.
It only delays the dream.

Because dreams don’t disappear.
They wait.
And they return louder.

What stopped me from walking away was understanding this:

Everything is figure-out-able including sustainable growth.

Just as Yvon built for climbers, I’ve spent the last ten years building for purpose-led founders.

When there wasn’t a roadmap, I created one.
And that work became Impact Innovator OS.

So here’s the question I keep coming back to:

What would change if you realised your purpose isn’t the obstacle, it’s the path?

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Talks about #impact, #entrepreneurship, #productinnovation, #businessinnovation, and #businessmentorship

Founder, Impact Innovator OS | The #1 Buyer Intelligence Growth System for Mission Driven Founders, Conscious Coaches + Innovators to Scale Sustainably $1M-$50M+ as Category-of-One

The secret to 6 and 7 figure sales increase (no matter the industry or objections):

The world feels quite uncertain at times.

But building sustainable growth CAN feel certain.

I was just speaking to a founder yesterday. 

She was stressed about sales. 
People who were paying less wanting more.

I hear you. 

It's HARD.

You're not powerless against the market. 

Trust me, you're not. 

Social selling is the answer to your problems. 

So here's is my solution to help you sell 24/7:

Be where your dream clients are.

Both online AND offline. 

Here are the 9-steps for the social selling formula:

1. OBSESS over your ICP: who/where they are
2. Focus only on this EXACT ICP online/offline 
3. Build EVENTS to educate your ICP
4. Plan your 2026 monthly events schedule 
5. Collaborate to connect to new audiences
6. Build your dream strategic partnership list 
7. Launch your events 
8. Analyse what works and what doesn't 
9. Repeats refine and scale 

Your social selling game plan should be incredibly simple, yet work incredibly well.

You and your team should understand it. 

Simplicity sells.
Simplicity scales.

Together we will transform our world.

P.S. We have a few slots left to sign up for our March 3rd Masterclass to get the growth secrets for FREE: https://lnkd.in/e6S62RhM

See you soon!

Starbucks learned a painful truth the hard way:
Purpose doesn’t save a business. Clarity does.

When Starbucks’ CEO recently reflected on their strategy, he admitted something rare:

They lost focus by chasing a version of “purpose” that diluted what made them great.

Not because purpose is wrong.
But because it became vague.

When your mission gets fuzzy, execution follows.

You can’t build community if you can’t deliver great coffee.
You can’t change the world if you’re failing your core customer.

Strong brands don’t start with “What impact can we claim?”
They start with “What do we do better than anyone else?”

Then they build impact from there.

That’s the difference:

🚫 Purpose as decoration
✅ Purpose as infrastructure

Real purpose isn’t a paragraph on your website.

It’s the filter behind every decision:

Who you hire

What you build

Who you say no to

How you operate

Patagonia doesn’t treat sustainability as a marketing angle.

It treats the business as a vehicle for the mission.

Product excellence isn’t separate from purpose.
It is the purpose.

If your operations contradict your message, your audience will feel it.

Stop attaching purpose after the fact.

Design your business so purpose is unavoidable.

Build from it.
Operate through it.
Let everything else be downstream.

If you want weekly insights on building brands that matter and win,
subscribe to my newsletter here: https://lnkd.in/dsVQABvv

Founder Impact Innovator OS | #1 Buyer Psychology Growth System for MIssion Driven Founders | Scale to $1-$10MN as Category Of One

Exciting news: I just heard one of our members signed a multi billion dollar partnership... 

(90 days ago, they were treading water)

We used my Billion Dollar Buyers Guide to achieve this goal (after years of trial and error).

And it all started by growing a business with a purpose with a fouder who has a heart. 

To be honest, it's easy. 

Someone shared this in my masterclass:

"Sara, with so many competitors today, business is hard, but your systems make it easy to stand out and scale."

Being overlooked is a real problem today for founders, and it no one's fault. 

Buyers will love you, but they need to understand these 7 things:

1. Your Unique Business Hook
2. How your Offer changed your world first
3. How your Offer changes others' worlds second.
4. Why you are a must have now and forever
5. How to sell you in one sentence 
6. Who your followers are
7. Why are you the number one in what you do

This list is a game changer for 2026, to stand out, get seen, sell in, and sell out.

Give buyers instant clarity on your unique power and purpose.

Let your brilliance shine.

If you'd like to know more billion dollar buyer secrets, sign up for my newsletter here:

https://lnkd.in/dsVQABvv

Together we will transform our world.

Companies that tackle "impossible" problems are achieving 400% higher returns.

This is the trend 99% are overlooking.

Businesses chasing quick wins are failing rapidly.

However, the 1% of entrepreneurs addressing seemingly insurmountable challenges to improve our world?

Purpose-driven companies recorded 400% greater returns on the stock market compared to the S&P 500. 

Brands that enhance quality of life outperform the market by 120%.

The problems that cautious investors deem "unprofitable" are, in fact, generating the most value.

Here's the evidence:

Companies that align purpose with business report 25% higher revenue and 22% higher pre-tax profit. 

Purpose-aligned companies: 31% profit increase. Others: 3%.

Why does solving the "impossible" yield more than addressing the obvious?
Because impossible problems face no competition.

While everyone competes over marginal improvements, purpose-led companies forge new categories.

They are not competing; they are pioneering.

Companies solving easy problems = Commodities
Companies solving difficult problems = Monopolies
Companies solving impossible problems = Movements

Purpose enterprises grew by 1,681% while the S&P 500 averaged 118%.

Every boardroom dismisses these opportunities. Every spreadsheet indicates "no return on investment."

And that is precisely why it works.

The market rewards the courage to tackle what others avoid.

5 Reasons Purpose Is Winning

How I Sold A Billionaire a 50K Offer in 7 days (using my buyer psychology intelligence framework) 

I was talking to one of my team members the other day, explaining my buyer intelligence framework

That I teach Founders

Sara's 5 steps in Sustainable scale

1. Transform to a Category Of One
2. Focus on what you deliver that is a High Impact Offer
3, Implement a Social Selling Game Plan
4. Build a "Real Power Is You" Mindset
5. Stemise everything

And we got talking about step 3 Implement a Social Selling Game Plan

The first time I used this method, I built a $300K launch from scratch

The second time, I sold a Billionaire a $50K High Impact Offer in 7 days

The secret sauce of HOW I did that - I will reveal in my LIVE Masterclass Next TUESDAY

If you want to lift the veil on digital marketing, that is so simple that anyone can do this

And on what buyers really want to buy today to close 5, 6, and 7 figure deals

Join my live here: https://lnkd.in/dqNVxTFy

Most founders think they need a louder brand, a prettier website, or a “more unique” offer.

That’s why they stay invisible...
While weaker competitors get chosen.

I spent years inside billion-dollar buyer rooms watching how real decisions are made.

And here’s the uncomfortable truth:

Buyers don’t choose the “best” offer.

They choose the offer that aligns with 5 specific buyer decision criteria almost no one understands.

On March 3rd at 12:00 PM EST,
I’m running a private masterclass.

We’re revealing all 5.

Not surface-level tactics.
Not marketing tricks.

The real buyer levers that make someone see you as the only obvious choice and confidently say yes.

Here’s a taste:

1. Why “being different” actually backfires, and what top buyers use instead to decide who wins the deal.

2. How certain purpose-led founders sell out $200K launches in 24 hours with zero ads or agencies.

3. The 2 hidden mechanisms that turn random growth into sustainable momentum you actually own.

This is the same playbook I used to approve and greenlight over $100M in buying decisions.

Founders have used these frameworks to scale from $1M to $50M+:

→ Without hiring bloated agencies,
→ Without stacking systems they don’t control,
→ And without burning out.

Seats are limited to 25 business owners.
This masterclass will not be public.

Register now to unlock the private pre-video series before we go live.

Save your seat: https://lnkd.in/dqNVxTFy

Most founders believe they need a bigger brand, a better-looking website, or a more differentiated offer.

That belief is exactly why they get ignored while less capable competitors keep getting chosen.

Here’s what most people miss:

Buyers don’t pick the best solution.
They pick the solution that aligns with a small set of decision criteria they care about.

On Feb 17 at 12 PM EST, I’m hosting a private masterclass where I break down those five buyer decision drivers.

No fluff.
No gimmicks.
Just the real levers that position you as the obvious choice.

Limited to 25 seats. Not public.

Save your seat and unlock the private pre-video series:
👉 https://lnkd.in/dqNVxTFy

Going live in 4 hours!

Most founders (like yourself) think they need to be louder, more complex, or more "unique."

Not true.

This is why most founders are being overlooked.

Competitors with MUCH worse offers are finding much more success because of this.

Think of it like this:

Your buyers do not choose the best offer.

They choose what fits 5 specific decision criteria that almost no one talks about.

And I'll be breaking down these decisions live on February 17th @ 12 PM EST.

We are hosting a private masterclass for the community at no cost.

You can use this as leverage to become the obvious choice in your industry.

There are 25 seats.

⏳ 4 hours to go

Save yours + unlock the private pre-video series here:
https://lnkd.in/e6S62RhM

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Brett Gelfand

Sara Simmonds

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The Battle

Brett Gelfand

Sara Simmonds

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Brett Gelfand's LinkedIn Performance

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