Everything You Need to Know About Getting Funded

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.

We can match you with funding from $10,000 all the way up to $20,000,000 — including business loans, equipment financing, and commercial real estate. Most of our Hawaii clients qualify for between $50,000 and $500,000 on their first application.

Once approved, funds are typically deposited into your business bank account within 24 hours — sometimes the same day.

Pre-approval uses a soft credit pull, which has zero impact on your credit score. A full credit check is only required if you decide to accept an offer.

We work with business owners with FICO scores as low as 500. Credit score is just one factor — we weigh your revenue and business cash flow heavily.

Most industries qualify — restaurants, contractors, retail stores, auto shops, medical and dental practices, tour operators, real estate, insurance, and more.

None. Whether it's payroll, inventory, equipment, expansion, marketing, or covering a slow season — the money is yours to use as you see fit.

Typically just 3 months of bank statements, a completed application, and a copy of your driver's license. Once pre-qualified, you'll upload everything directly into a secure portal.

Yes — we're right here in Kapolei, Oahu. Maya, our AI assistant, is available to answer questions and pre-qualify you any time, backed by a local team with over 27 years of lending and financial experience.

Yes. Through our lending network we can place hard money and commercial real estate loans from $100,000 up to $20,000,000 — with no minimum FICO score, no minimum revenue, and no time-in-business requirement.

Equipment financing lets you purchase business equipment and use the equipment itself as collateral. Because the asset secures the loan, approvals are often faster and credit requirements are more flexible.

AR financing lets you turn outstanding invoices into immediate working capital — typically 70–90% of invoice value upfront, usually within 24–48 hours.