Business Loans in Hawaii

Running a business in Hawaii often means managing seasonal demand, higher operating costs, and tourism-driven cash flow cycles. Access to flexible working capital can help businesses stay steady and grow year-round. Wise Funding helps Hawaii business owners secure revenue-based business loans designed for speed, flexibility, and real-world operating needs.

If your business generates $15,000 or more in monthly revenue, you may qualify for fast funding without the long timelines and rigid requirements of traditional banks.

Revenue Required

$15,000+/mo

Time in Business

6+ Months

Business Bank

Active Account

Cash Flow

Consistent

Every business is different. That’s why we offer funding solutions based on business
performance, not just credit scores.

If your business generates $15,000 or more in monthly revenue, you may qualify for fast funding without the long approval timelines and strict requirements of traditional banks.

Business Funding Options Available in Hawaii

Working Capital
Loans

Capital to cover payroll, inventory, equipment, marketing, and day-to-day operating expenses.

Fast Business Funding

Time-sensitive funding with approvals often issued within 24 hours.

Revenue-Based Financing

Funding based primarily on your business’s monthly revenue rather than personal credit alone.

This makes funding accessible even if traditional lenders have declined your application.

Who Qualifies for a Business Loan in Hawaii?

Hawaii businesses may qualify if they meet the following criteria:

Minimum monthly revenue

$15,000+

Time in business

6 months or more

Business type

Most industries accepted

Credit profile

Flexible — fair or challenged credit may still qualify

Our qualification process emphasizes business performance and consistent cash flow, not just credit scores.

Industries We Commonly Fund in Hawaii

We regularly fund businesses across key Hawaii industries, including:

Restaurants, cafés & hospitality

Tourism & travel services

Construction & contracting

Retail & eCommerce

Transportation & logistics

Medical & wellness practices

Professional & local services

Retail & eCommerce

Business Loans Available Across Hawaii

We support businesses throughout the state, including:
Honolulu
Kapolei
Pearl City
Kailua
Hilo
Kahului
Kihei
Kailua-Kona
Lihue

How the Business Loan Process Works

1

Check Eligibility

Submit a short form with basic business information.

2

Review Your Options

We match your business profile with suitable lenders.

3

Receive Funds

Approved Hawaii businesses may receive funding in as little as 1–3 business days.

Why Hawaii Businesses Choose Wise Funding

Get Started Today

If your business is generating $15,000 or more per month, you may qualify for funding.

No obligation. No impact on credit to check options.

Frequently Asked Questions About Business Loans in Hawaii

Check Your Hawaii Business Loan Eligibility

If your business earns $15,000 or more per month, you may qualify for fast funding today.