Small Business Funding in Hawaii | Fast Capital for Island Businesses
No matter your credit or financial situation, we’ll help you find the right loan option with BSF’s broad array of services and solutions
- Contact us to learn more about MCA
Call us at 212-258-0602 to speak to a loan specialist today.
Brookestone Funding delivers fast, flexible funding solutions designed specifically for Hawaii’s businesses, helping you cover payroll during slow seasons, stock inventory before peak tourist arrivals, repair equipment after saltwater corrosion, or expand to new locations across the islands.
Whether your business is in Honolulu, Hilo, Kailua-Kona, Kahului, Lihue, or smaller communities across the Hawaiian Islands, we provide working capital, merchant cash advances, equipment financing, term loans, and specialized funding solutions that respect the rhythms of island life.
Why Hawaii Businesses Choose Brookestone Funding
Island-Fast Approval & Funding (24–48 Hours)
Skip the mainland bank delays—most Hawaii businesses receive funds in 1–2 business days, not 2-6 weeks.
High Approval Rates, Even With Credit Challenges
We evaluate your business revenue and island market potential, not just your credit score. Local businesses with 500+ credit scores regularly approved.
Flexible Repayment for Seasonal Cycles
Daily, weekly, or monthly payments align with Hawaii’s tourism seasons—lower payments during off-peak months (fall/spring), higher during peak (winter/summer).
Hawaii’s High-Risk Industries Welcome
We fund industries traditional banks avoid: restaurants/bars, tourism operators, fishing charters, construction, cannabis-adjacent businesses, and cultural experience providers.
No Collateral Required for Most Programs
Keep your equipment, vehicles, and commercial property free from liens.
Neighbor Island Businesses Strongly Supported
We understand the unique challenges of doing business on Maui, Kauai, Big Island, Lanai, and Molokai—not just Oahu.
Funding Options for Hawaii Businesses
1. Merchant Cash Advance (MCA)
Perfect for tourism-heavy businesses—receive upfront capital in exchange for a percentage of future credit card sales. Ideal for restaurants, activity desks, and retail shops.
Funding Range: $10,000 – $2,000,000
2. Business Line of Credit
Revolving credit for unpredictable island expenses: emergency equipment repairs, last-minute inventory shipments, or bridging cash flow between tourist seasons.
3. Equipment Financing
Finance up to 100% of new or used equipment: commercial kitchen appliances, tour vans, solar panels, fishing boats, or agricultural machinery—with saltwater corrosion and volcanic conditions understood.
Financing Available: $5,000 – $5,000,000
4. Term Loans
Lump-sum loans with fixed repayments and competitive rates (7.9% – 24.99%) for expansion, renovations, purchasing commercial property, or major inventory purchases.
Loan Range: $25,000 – $2,000,000
5. SBA Loans (7a, 504, Microloans)
Government-backed loans with lower rates and longer terms, perfect for Hawaii’s long-term growth needs and disaster recovery funding.
Loan Range: $500 – $5,000,000
6. Invoice Factoring / Accounts Receivable Financing
Turn unpaid invoices from mainland distributors or corporate clients into immediate cash (70–90% advance) while we manage collections.
7. Purchase Order (PO) Financing
Fund large orders from hotels, retailers, or government contracts—we pay your suppliers, you fulfill the order, and receive remaining profit.
8. Bridge / Short-Term Financing
Quick capital for emergency repairs after storms, unexpected shipping cost increases, or seizing time-sensitive opportunities.
9. Credit Card Processing (Merchant Services)
Competitive-rate payment processing built for Hawaii’s high tourism volume, with multi-currency support for international visitors.
Industries We Fund Across Hawaii
Tourism & Hospitality
Hawaii’s economic backbone—funding supports:
- Hotels, resorts, and vacation rentals
- Restaurants, food trucks, and luau operations
- Activity desks, tour operators, and luaus
- Snorkeling, diving, and whale-watching charters
- Wedding and event planning services
Agriculture & Food Production
Supporting local food sustainability:
- Coffee and macadamia nut farms
- Tropical fruit orchards (mango, papaya, lychee)
- Cattle ranches and livestock operations
- Aquaculture and fish farming
- Value-added food processing
Maritime & Ocean-Based Businesses
Unique to island economies:
- Commercial fishing operations
- Boat charters and marine tours
- Marina services and boat repairs
- Ocean sports equipment rentals
- Underwater photography and research
Construction & Contracting
Building Hawaii’s future:
- Residential and commercial construction
- Hurricane/disaster-resistant building
- Solar panel and renewable energy installation
- Landscaping and irrigation systems
- Cultural site restoration
Renewable Energy
Critical for Hawaii’s energy independence:
- Solar panel installation companies
- Battery storage systems
- Wind energy projects
- Energy efficiency consulting
Retail & Local Crafts
Serving residents and 10M+ annual visitors:
- Hawaiian gift shops and boutiques
- Art galleries featuring local artists
- Surf shops and beachwear retailers
- Online stores shipping worldwide
Healthcare & Wellness
Caring for island communities:
- Dental and medical clinics
- Physical therapy and rehabilitation
- Wellness spas and yoga studios
- Traditional Hawaiian healing practices
Cannabis-Adjacent & High-Risk
Helping emerging industries:
- CBD product retailers
- Hemp farming and processing
- Cannabis tourism (where legal)
- Ancillary service providers
Islands & Communities We Serve
Brookestone Funding provides coverage across all Hawaiian Islands:
Oahu:
- Honolulu, Waikiki, Pearl City, Kaneohe
- Kapolei, Mililani, Ewa Beach, Waipahu
- North Shore (Haleiwa, Sunset Beach)
- Windward Coast (Kailua, Waimanalo)
Maui:
- Kahului, Wailuku, Lahaina
- Kihei, Wailea, Makawao
- Hana, Kapalua, Kula
Big Island (Hawaii Island):
- Hilo, Kailua-Kona, Waimea
- Volcano, Pahoa, Captain Cook
- Waikoloa, Kealakekua
Kauai:
- Lihue, Kapaa, Poipu
- Princeville, Hanalei, Kalaheo
Molokai & Lanai:
- Kaunakakai, Lanai City
No matter your island location—from urban Honolulu to remote Molokai, we bring funding to you.
How to Apply for Business Funding in Hawaii
Step 1: Quick Online Application
Complete a 5-minute form with basic business details. No paperwork required initially.
Step 2: Island-Specific Review
We evaluate your revenue patterns, seasonal cycles, and local market potential—not just credit scores.
Step 3: Receive Funds in 24–48 Hours
Approved Hawaii businesses typically receive funding within 1–2 business days, direct deposit to your local bank.
Step 4: Flexible Capital Use
Use funds for: payroll during off-season, emergency shipments from the mainland, equipment replacement, marketing to tourists, or expansion to new islands.
Brookestone Funding vs. Hawaii Banks
Feature | Brookestone Funding | Local Hawaii Banks |
Funding Speed | 24–48 hours | 3–8 weeks |
Minimum Credit Score | None (500+ FICO common) | 650–700+ |
Collateral Required | No (for most programs) | Almost always |
High-Risk Industries | Accepted (tourism, fishing, cannabis-adjacent) | Often denied |
Seasonal Business Approval | Yes (tourism cycles understood) | Very limited |
Neighbor Island Support | Strong (all islands) | Often Oahu-only |
Ocean-Based Businesses | Funded regularly | Rarely approved |
FAQs
Yes. We approve many Hawaii businesses with 500+ credit scores based on revenue and island market potential.
Absolutely. We understand Hawaii’s peak (winter/summer) and off-peak seasons and structure flexible repayment schedules accordingly.
Same speed as Oahu—typically 24–48 hours after approval, with direct deposit to any Hawaii bank.
Yes. We regularly finance boats, fishing gear, and coastal equipment, understanding the accelerated depreciation in marine environments.
Definitely. We fund coffee farms, macadamia orchards, and aquaculture operations across all islands, including remote districts like Ka’u and Hana.
Yes. We provide bridge financing for disaster recovery and understand Hawaii’s unique geological and weather risks.
No. Most funding options under $100,000 require no collateral, keeping your property and equipment free.
Get Fast Business Funding in Hawaii Today
Don’t let mainland bank delays and rigid requirements hold back your island business. Brookestone Funding provides quick, flexible capital tailored to Hawaii’s unique economy—from Honolulu’s urban core to the most remote shores of Molokai.
Call us today at 212-258-0602 or apply online to speak with a Hawaii funding specialist who understands island business.
We respect the aloha spirit of partnership and are committed to helping local businesses thrive across all Hawaiian Islands.
Apply now!
Offers
Merchant Cash Advance in Hawaii
A merchant cash advance is a type of business funding that provides quick access to capital. A lender may provide a company with a lump sum payment in exchange for a share of the company’s future profits.
Line of Credit in Hawaii
A flexible loan to provide small business owners with a defined amount of money that can be accessed as needed and repaid either immediately or over time. Funds are revolving and can be accessed repeatedly without reapplying.
Equipment financing in Hawaii
Equipment financing is a fast and straightforward way to fund up to 100% of the value of the equipment. Use our tax calculator to help identify your savings, first-year depreciation, and deductions.
Term loan in Hawaii
Businesses with strong credit histories secure term loans at the very best rates available, between 7.9% and 24.99%. If you do not qualify for a term loan, BSF will pinpoint the reasons.
SBA Loan in Hawaii
Small business owners have endless aspirations for their ventures but often lack the financial resources to bring them to life. This is where small business loans can be a game changer.
We Care About You
Empowering your financial future with care. Let us take care of your finances with empathy and expertise.
Available To Talk
Our trained professionals are available to chat with you at any time, whether you need someone to vent to, share your thoughts with, or seek advice from. We believe in the power of connection and are committed to supporting you in any way we can. So, when you're ready to talk, we're here for you.
Team of Experts
Whether you're looking for guidance on a complex issue, need help with a specific project, or simply want to learn more about our services, our team is here to assist you every step of the way. We believe that our success is built on the strength of our team, and we're honored to have such talented individuals working with us.
Customer Satisfaction
Our team is dedicated to providing you with exceptional service and support, and we're committed to delivering high-quality services and solutions that meet your needs. We value your feedback and use it to continually improve our services, so that we can better serve you in the future.
