Cover payroll, inventory, and slow-season costs with $25,000 to $5,000,000 in working capital. About three months of statements, no tax returns.
Check My OptionsHawaii Working Capital
Ocean freight, high costs, and visitor swings make cash timing tough in Hawaii. Working capital sized to your deposits helps you stay ahead.
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.
Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and current obligations weigh heavily in our decision.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
The repayment schedule is laid out up front so you can map it to your seasons.
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.
Hawaii owners deal with a cash squeeze that is built into geography. Goods come in by ship, so you pay early and wait. Rents and labor costs run high. Revenue in many businesses follows the visitor calendar, with busier stretches around winter holidays and summer and quieter weeks in between. Working capital helps you keep operations steady through all of it.
Working capital is a lump sum for day-to-day needs. Hawaii businesses often use it for:
Funding ranges from $25,000 to $5,000,000. The application takes about 5 minutes, and we start with a soft credit pull. We review about three months of business bank statements, with no tax returns required. FICO scores of 500 and up are considered. Sole proprietors can apply.
Your offer shows the full repayment amount and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
The amount mostly comes down to your deposits and the obligations you already have. A Hilo landscaping company with even monthly deposits and no other financing will look different from a Kihei restaurant with a big seasonal swing and an equipment payment. Neither is wrong. We size the offer to what the business can carry.
For needs that repeat throughout the year, a business line of credit in Hawaii may fit better than a one-time lump sum.
For illustration, picture a Honolulu catering company that lands a string of large event contracts for the holiday season. They need to hire servers, buy rentals, and stock up on ingredients weeks before the first event pays. Their deposits through the rest of the year are steady. A working capital offer sized to those deposits covers the upfront costs, and the repayment schedule in the offer gives them a clear plan as event payments arrive.
Whatever the use, think about the slowest month you expect during repayment, not the busiest. If the schedule in your offer still fits your deposits in that quieter stretch, the funding is far more likely to help than to strain the business. That one check prevents most of the regret we hear about.
Yes. We work with established businesses across Hawaii, not just on Oahu.
About three months of business bank statements and the 5-minute online application. No tax returns are required.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
We start with a soft credit pull, which does not affect your score.
Tourism-related businesses apply regularly. We look at your deposit pattern across the year, so explain your busy and slow periods when you apply.
Example uses for illustration only.
A few habits make your working capital request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding