Find Me Funders
Business loans in Hawaii
Hawaii businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 7 state programs on file with published terms.
Where to start in Hawaii
No lender here publishes a state-by-state availability list naming HI, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.
-
100%$5K – $500K Same day Credit from 5009/9 on the record
-
100%$10K – $5M 1-3 days Credit from 5009/9 on the record
-
100%$1K – $5M Same-day funding available Credit from 6509/9 on the record
-
89%Up to $2M Same day Credit from 5508/9 on the record
-
89%Up to $500K Same day Credit from 5258/9 on the record
-
89%$5K – $1.5M As little as 24 hours Credit from 5708/9 on the record
-
89%Up to $1M As little as 2 business days Credit from 5508/9 on the record
-
89%$6K – $500K As fast as 24 hours Credit from 6008/9 on the record
-
89%
Straight Line Source
Partner$5K – $10M Same day Credit from 5008/9 on the record -
78%$25K – $2M Decision as fast as 24 hours Credit from 6507/9 on the record
-
78%$2K – $400K As fast as the next business day Credit from 6007/9 on the record
-
78%$5K – $10M As fast as 4 hours after approval Credit from 5507/9 on the record
Lenders that exclude Hawaii
A published no is worth as much as a published yes, and almost nobody shows it.
What Hawaii itself funds
Federal money behind these programs
Hawaii was allocated $62,021,957 under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.
What we could not confirm
CITIES - Hawaii has no separately incorporated cities. Wikipedia's list of census-designated places in Hawaii states: "there are no separately incorporated cities in the entire state; Honolulu County is both a city and county, and it is the sole entity considered by the U.S. Census Bureau as a municipality." The consolidated City and County of Honolulu is therefore the only incorporated municipality, and the entries above are census-designated places (CDPs) with 2020 census populations, down to roughly 10,000, as instructed. The place named "Honolulu" in the census is the Urban Honolulu CDP (350,964 in 2020), which is not the same geography as the City and County of Honolulu (about 1.0 million). Lahaina's 2020 count predates the August 2023 wildfire and no longer reflects the community's current population. Census: all three business counts carry the 2023 vintage on QuickFacts. SSBCI: Treasury's May 19, 2022 press release (first SSBCI approvals) gives Hawaii $62,021,957; HTDC's HI-CAP page describes it as "$62 million in federal funding" available through 2030 - consistent. PROGRAMS: HGIA's HI-CAP pages publish no loan amounts, rates, terms or fees, so those fields are null rather than estimated. No expired-but-still-linked COVID-era program was found on HTDC, HGIA/GEMS or invest.hawaii.gov during this check.
Cities in Hawaii
More for Hawaii
Business funding in Hawaii — common questions
Can I get business funding in Hawaii?
Yes. 12 funders in this directory serve businesses in Hawaii, and 0 of them name Hawaii explicitly in their published availability rather than being included by default.
Does Hawaii require lenders to disclose the cost of business financing?
Hawaii's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.
Are there state programmes for small business capital in Hawaii?
3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.
Is a merchant cash advance legal in Hawaii?
Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.
How do I check for liens filed against my business in Hawaii?
Through Hawaii's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.
Which lenders will not fund in Hawaii?
Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.
Does being based in Hawaii change what I pay?
Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.
What should I have ready before applying?
Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.
How current is this page?
Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.