Draw funds for freight, payroll, and seasonal gaps across the islands. Soft credit pull to start, three months of statements, no tax returns.
Start My ApplicationHawaii Line of Credit
From retailers waiting on containers to tour operators riding visitor swings, Hawaii businesses use a line of credit to cover gaps that keep coming back.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 5 minutes and three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We weigh deposits and existing obligations closely.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Repayment terms are laid out in the offer so you can plan draws around them.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
If your cash crunch shows up every time a shipment needs paying or every shoulder season, a single lump sum can leave you either short or paying for money you are not using. A business line of credit lets you draw funds when the need hits and repay as revenue comes back in.
Merchant Fund Express offers lines to established Hawaii businesses with steady deposits. The amount available depends on your deposits and the financing you already carry.
We review about three months of business bank statements, focusing on deposit consistency, balance habits, and existing obligations. FICO scores of 500 and up are considered. We start with a soft credit pull, no tax returns are required, and sole proprietors can apply.
Before you accept, the offer shows the full repayment amount and the repayment schedule.
A line is most useful when each draw has a clear payback. For illustration, a Kona coffee roaster might draw to buy green beans at harvest, then repay as roasted coffee sells to cafes and visitors over the following months. A Maui landscaping company might draw to cover payroll during a wet stretch when fewer jobs get done. In each case, the owner can point to the money that pays the draw back.
If the need is truly one-time, like a single large purchase, compare our Hawaii working capital option or equipment financing.
The application takes about 5 minutes. Have your recent statements ready and a short note on your seasonal pattern. Qualified businesses can see funding in as little as 24 hours.
It also helps to know your yearly rhythm on paper. Mark the months when freight bills cluster, when visitor traffic dips, and when your biggest customers pay. Seeing that calendar makes it easier to decide when to draw and how quickly you can repay.
A lump sum is funded all at once. A line of credit gives you access to funds you can draw as needs come up, which suits recurring gaps.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
We do not require tax returns. We review about three months of business bank statements. Specific offer details are laid out in your offer.
FICO 500 and up is considered, along with your deposit history and current obligations.
Yes. Sole proprietors can apply.
Example uses for illustration only.
These habits help when you request a line of credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding