Big Island Business Loans — Funding for Hawaii Island Businesses From $10K to $20M
Big Island businesses need funding that understands the island pace. Paradise Working Capital is a Hawaii-based commercial finance broker serving all of Hawaii Island. We match your business with the best lender from our network of 50+ funding sources. Most approvals take under 2 hours. Funding in as little as 24 hours. Soft credit pull only.
Cities We Serve on Big Island
Estimate Your Funding Amount
Move the sliders to get an instant funding estimate — no credit check required.
Based on your inputs, you may qualify for up to
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
- Commercial and investment real estate loans up to $20,000,000 (no minimum FICO or revenue — equity-based lending)
All estimates require full application review. Pre-qualification uses a soft credit pull only and does not affect credit score. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
Funding Programs for Big Island Businesses
Working Capital Loans
Fast cash for any business need — payroll, inventory, marketing, or bridging a slow season. FICO 500+, 12+ months in business, $15K+/mo revenue for most programs.
Equipment Financing
Finance up to 100% of equipment cost, typically in 3–5 days — the asset secures the loan, so approvals come faster. FICO 620+ typical. Contractors, restaurants, medical, auto shops, and more.
Merchant Cash Advance — Fast Cash
Cash in hand in as little as 24–48 hours, 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.
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
Lower rates and longer terms for qualifying businesses. We navigate SBA 7(a), 504, and microloan programs — startups welcome through select lenders.
Invoice Factoring
Turn outstanding invoices into immediate working capital — funded in as little as 24 hours with no FICO minimum. Get 70–90% of invoice value upfront and stop waiting 30, 60, or 90 days for B2B clients to pay.
Hard Money & Real Estate Loans
Our biggest advantage — and something almost no one else in Hawaii offers. Own commercial or investment property? Unlock that equity with zero credit check and zero revenue check. Purchase, bridge, or cash-out refi up to $20M, funded in 5–15 days. Foreign nationals, ITIN, LLCs, trusts, and IRAs OK.
Big Island Business Loans — FAQ
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. We look at your actual business performance: revenue, cash flow, and how long you've been operating.
How much can I borrow?
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.
How fast will I actually get the money?
Once approved, funds are typically deposited into your business bank account within 24 hours — sometimes the same day.
Will applying hurt my credit score?
Pre-approval uses a soft credit pull, which has zero impact on your credit score.
Is Paradise Working Capital based in Hawaii?
Yes — we're based in Kapolei, Oahu, and serve businesses across all Hawaiian islands including Big Island. Maya, our AI assistant, is available any time, backed by a local team with over 27 years of lending experience.
Find Out in 2 Minutes
No commitment. Soft pull for pre-qualification only. A local funding advisor will review your application and reach out same day — typically within a few hours during business hours.
You're In — Application Received!
A local funding advisor will review your application and reach out same day — typically within a few hours during business hours. They may follow up for a document or two, then get your options in front of the right lenders. Keep an eye on your phone and email.