Maui Business Loans — Funding for Maui Businesses From $10K to $250M
Maui businesses deserve funding that moves as fast as the island economy. Paradise Working Capital is a Hawaii-based commercial finance broker serving all of Maui County. We review your completed information for potential programs from our network of funding sources. Initial pre-qualification uses a soft credit pull* that does not affect your credit score. *After you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting; we will explain that step before it occurs.
Cities We Serve on Maui
Maui industries we review most
Maui's economy depends on tourism, diversified agriculture, construction, retail, and the professional services that support them. The island's seasonality — visitor surges in winter and summer, relative quiet in shoulder months — means businesses need financing products that flex with revenue, not against it. Whether you're a hotelier in Wailea or a diversified grower in Kula, we review requests across Maui County with an eye to real local business cycles.
Tourism & Hospitality
Maui's resort corridor from Wailea to Kapalua sees deep seasonal swings. Working capital covers pre-season staffing, renovation projects, and inventory buys so your business is ready before the visitors arrive — not catching up after.
Working CapitalDiversified Agriculture
Maui's ag sector — from Kula vegetable farms to Upcountry protea growers — relies on irrigation, processing, and cold storage equipment. Financing lets you upgrade infrastructure during the off-season and pay from harvest revenue.
Equipment FinancingConstruction & Remodeling
Maui contractors frequently bill in milestones with 30-60 day terms. Invoice factoring converts those receivables into same-week cash so you can pay subs, order materials, and take the next job without juggling payment windows.
Invoice FactoringRetail & Restaurants
Retail and restaurant margins on Maui are squeezed by freight costs and seasonal foot traffic. Working capital bridges the lean months so you can stock inventory ahead of tourist season and staff up without cash-flow strain.
Working CapitalProfessional Services
Maui accounting firms, real estate offices, and insurance agencies need longer-term capital for office space, technology upgrades, or acquisition of another practice. SBA loan programs offer extended terms and lower down payments than conventional financing.
SBA LoansServing Kahului, Kihei, Lahaina, Wailuku, Haiku, Paia, Makawao, Pukalani, Kula, Wailea, Hana, and businesses across all of Maui. Products listed are examples of what may be reviewed — availability depends on the request, borrower, and participating funding source.
Estimate Your Funding Amount
Move the sliders to get an instant funding estimate — no credit check required.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
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.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
Funding Programs for Maui Businesses
Working Capital Loans
Flexible working capital for payroll, inventory, marketing, expansion, or bridging a slow season — funded in as little as 24-48 hours with some funding sources. Available programs and terms depend on the request and funding source.
Equipment Financing
Finance up to 100% of equipment cost — funding in as little as 48 hours 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.
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
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 — underwriting in as little as 24-48 hours, with funds often arriving the next business day once an invoice is approved. Availability, advance structure, and timing depend on the invoices and funding source.
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.
Maui 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 $250,000,000 — including business loans, equipment financing, and commercial real estate.
How fast will I actually get the money?
Timing varies by program, request, funding source, and how quickly the file can be completed. Any timing discussed is an estimate, not a promise.
Will applying hurt my credit score?
Our initial pre-qualification review uses a soft credit pull* that does not affect your credit score. *See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
Is Paradise Working Capital based in Hawaii?
Yes — we're based in Kapolei, Oahu, and serve businesses across all Hawaiian islands including Maui. Maya, our AI assistant, is available any time, backed by a local team with over 27 years of lending experience.
Is funding available for businesses in Lahaina specifically?
Yes — we review business-purpose financing requests from all of Maui County, including Lahaina, Kihei, Kahului, and every community across the island. The same range of programs and lending partners is available regardless of which part of Maui your business operates in.
Start Your Funding Review
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.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), 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.