Turned Down By Your Bank? That Was One Lender. We Check Over 400 More.
A personal, Hawaii-based approach to exploring business funding options. Most programs are available in all 50 states and Canada → on a case-by-case basis. Maya, our AI assistant, answers instantly — day or night. A complete application and the requested documents are needed before an advisor can properly review your request.
Soft credit pull to prequalify: Applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Meet Maya
A quick hello from our AI assistant — here to help you find the right funding option.
Hawaii Business Loan Calculator
Move the sliders to see an educational funding estimate. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
Soft credit pull to prequalify: applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
This calculator estimates potential business loan funding based on desired amount, monthly revenue, and time in business. Estimates are for illustration only and do not constitute a loan offer.
- Businesses earning $10,000–$25,000/month with 6+ months in business may qualify for $10,000–$50,000
- Businesses earning $25,000–$50,000/month with 1+ year in business may qualify for $50,000–$150,000
- Businesses earning $50,000–$100,000/month with 2+ years in business may qualify for $150,000–$500,000
- Businesses earning $100,000–$250,000/month with 3+ years in business may qualify for $500,000–$1,000,000
- Businesses earning $250,000+/month with 3+ years in business may qualify for $1,000,000–$2,000,000
- Applicable SBA programs may reach up to $7,500,000; equipment financing, commercial real estate, and investment-property requests may go significantly higher — up to $250,000,000 for qualifying equipment financing — subject to program, asset or property, lender, and underwriting requirements.
Need more information? Book a call with Kevin →
Why Hawaii Businesses Choose Us Over a Bank
- Weeks of paperwork, one lender, one shot
- Credit score is almost the only thing that matters
- Big call center, no one who actually knows your business
- Slow — funding in weeks, if approved at all
- One conversation focused on your business and funding goals
- Revenue and cash flow weighed as heavily as credit
- Maya, our AI assistant, responds instantly — day or night
- Clearer review — we explain what information and documents are needed
Funding Programs We Review With You
Explore what each financing program is designed to do, what the review generally considers, and what information may be needed. Once your completed form and documents are received, we can evaluate potential options with you.
Working Capital Loans
Flexible working capital for payroll, inventory, marketing, expansion, or bridging a slow season — approved and funded as quick as the same day with some funding sources, once the application is complete with all documents and required fields filled out. Available programs and terms depend on the request and funding source. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Equipment Financing
Finance up to 100% of equipment cost — funding as quick as the same day for standard equipment, longer for larger or more complex transactions. The asset secures the loan, so approvals come faster. FICO 620+ typical. Contractors, restaurants, medical, auto shops, and more. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Merchant Cash Advance — Fast Cash
Cash in hand as quick as the same day, with FICO as low as 500. Repay as a small percentage of daily card sales — payments flex with your revenue, so slow days don’t sting. Ideal for high card-volume businesses that need cash now. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Revenue-Based Financing
Grow without giving up equity. Funding is repaid as a set percentage of your monthly revenue — so payments scale up when you’re busy and ease off when you’re slow. Funded in 3–7 days, FICO 550+. Built for recurring-revenue and growing businesses.
SBA & Term Loans
SBA and term-loan options for qualifying businesses seeking longer repayment periods or growth capital. Programs, terms, and eligibility depend on the request and funding source.
Invoice Factoring
Turn outstanding B2B invoices into working capital — approval and funding as quick as the same day once an invoice is approved. Availability, advance structure, and timing depend on the invoices and funding source. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Hard Money & Real Estate Loans
Property-secured financing for purchases, bridge needs, or cash-out refinancing. Available programs consider the property, request, and overall financing profile.
A Local Expert + AI Tools in Your Corner
Most brokers cold-call lenders one at a time and hope something sticks. We use AI-powered matching tools alongside 27+ years of lending experience — so you get the right options faster, without the runaround.
Smart Profile Analysis
Your revenue, cash flow, and business history are evaluated against what lenders actually look for — before anything is submitted.
Broader Options, Carefully Matched
We look beyond a single bank and focus on programs that fit your business, goals, and circumstances.
More Options, Better Leverage
Seeing multiple lender options puts you in a stronger position — not just the first offer that comes back.
Maya Keeps It Moving
Maya, our AI assistant, responds the moment you reach out — then a local advisor steps in for anything that needs a human touch.
Basic Eligibility
What we typically review: time in business, revenue and cash flow, credit profile, intended use of funds, existing obligations, and—when applicable—equipment, invoices, or property. Requirements vary by program and funding source. A completed form and requested documents are needed for a meaningful review.
Time in business and operating history
See by program →💵 RevenueRevenue, cash flow, and business deposits
See by program →🏦 CreditCredit profile and the program’s review requirements
See by program →📈 All IndustriesRestaurants, contractors, retail, medical, real estate investors
See by program →Years in lending & financial markets
Lenders in our funding platform’s network
Based in Kapolei, Oahu
Local Expertise. Real Access to Capital.
Paradise Working Capital was founded on a simple principle: a business generating real revenue deserves a real path to capital.
With more than 27 years in financial markets and lending, we combine deep industry experience with modern AI tools. Maya, our AI assistant, responds the moment you reach out — and our Oahu-based team personally guides every funding decision from first conversation to close.
What Hawaii Business Owners Say
Real clients. Real results. Right here in the islands.
"A seamless process and excellent communication. They secured the bridge capital we needed when our bank was too slow."
"The speed of approval was the difference-maker. We were funded within 24 hours to cover a critical payroll gap."
"I needed equipment fast — a competitor was about to outbid me on a job because I didn't have the right gear. Equipment financing got me approved within a day."
"Had invoices sitting unpaid for 45 days and couldn't make payroll. Did accounts receivable financing and had cash in the account within 48 hours."
Start Your Funding Review
Soft credit pull to prequalify: applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
Missing documents, or items that need manual underwriting review, can delay approval and funding. That includes an NSF or overdraft that needs an explanation, and money moved between personal and business accounts. Explaining these up front helps keep things moving. Write them here.
⚠️ Required for an accurate review: at least 3 months of recent business bank statements (some programs need up to 6), your business EIN / Tax ID number, a government-issued photo ID (required to submit), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.
Bank-Grade Security — You Never Email a Document
Upload the completed form and requested documents securely during the application. These materials are needed before a local advisor can properly review your request and identify potential program fits.
Where We Work
Hawaii is home base. We also help business owners explore options beyond the islands when a suitable program is available.
Most programs are available in all 50 states and Canada, on a case-by-case basis. Below are our published state guides.
Want to Talk to Kevin Directly?
If you'd rather speak with Kevin or someone on his team before applying, schedule a free 15-minute call — no pressure, no obligation.
Schedule a Time →Frequently Asked Questions
How is this different from a bank loan?
Banks look almost exclusively at your credit score and require mountains of paperwork, collateral, and weeks of waiting — then often say no anyway. We look at your actual business performance: revenue, cash flow, and how long you've been operating. If your business is making money, there's a good chance we can help even if a bank turned you down.
How much can I borrow?
Program ranges vary. The amount, structure, and terms depend on the request, the completed information and documents, the business or property, and the funding source’s review.
How fast will I actually get the money?
Timing varies by program, request, funding source, and how quickly the file can be completed.
Will applying hurt my credit score?
Our initial pre-qualification review uses a soft credit pull that does not affect your credit score.
What's the minimum credit score required?
Credit requirements vary by program and funding source. Credit is only one part of the review, but no particular score guarantees eligibility.
What industries do you work with?
We review many business types, including restaurants, contractors, retail, auto, medical, tourism, real estate, insurance, and more. Availability depends on the request, the business, and the program.
What documents will I need?
A completed form and the documents relevant to your request are needed for a meaningful review. These typically include at least 3 months (up to 6) of business bank statements and your business EIN or Tax ID number, plus existing debt information, financial statements, identification, invoices, equipment information, or property records. Additional items may be requested depending on the program and funding source.
What types of funding do you offer?
Programs may include working capital, equipment financing, SBA and term loans, invoice factoring, revenue-based financing, merchant cash advances, and property-backed real estate financing. Each program works differently; select a program to review how it works and what information is typically needed.
Do you offer hard money loans or real estate bridge loans in Hawaii?
We can review business-purpose property-backed requests in Hawaii. The property, requested use, equity, lien position, repayment plan, and supporting documents are important to the review.
Is Paradise Working Capital based in Hawaii?
Yes — we're right here in Kapolei, Oahu. Maya, our AI assistant, is available to answer questions any time, day or night, backed by a local team with over 27 years of lending and financial experience.
Do you work with businesses outside Hawaii?
Our roots are in Hawaii, and we also help business owners explore financing options beyond the islands when a suitable program is available. Eligibility depends on the business, the requested financing, and the program. A specialist will confirm whether we can help in your state before anything is submitted.
Ready to Start Your Funding Review?
Complete the form and provide the requested documents. A local Oahu advisor can then review the full picture and explain potential next steps.
Check My Funding Options →