Getting Approved For
Commercial Loans
In Hawaii

Getting approved for commercial loans in Hawaii can be an arduous journey. Most commercial lenders require you to satisfy lots of stipulations before they will approve a loan.


If you are struggling with credit issues, collateral, or even showing your cash flow projections for the next 3-5 years, you may have a problem getting approved.


Many traditional lenders such as banks, and other financial institutions will not help you if your company has a less than stellar credit history, because you would be considered a high risk borrower and many lenders fear they will not be paid back.


Fortunately, there are other options available for commercial loans in Hawaii.


Private Lenders And Hawaii Hard Money Loans

If your business is still in need of capital, working inventory, or other capital, a private lender in Hawaii may be the answer. Some private lenders can offer what is called a hard money loan.


This type of loan is available for borrowers who have blemished credit, are considered to be a high risk borrower, or simply don't have traditional collateral. 


Hard money loans are given by private lenders under a different evaluation process, and can take much less time to get approved. This means the borrower won't have to wait several months, or even a year to get approved.


Hard money commercial loans in Hawaii are often approved, sometimes within days, or a few weeks.


Hard money commercial loans in Hawaii are short-term loans, usually meant to be paid back within in 1-2 years opposed to the longer repayment terms of a traditional loan.


Construction Loans In Hawaii

A construction loan is another type of short-term loan that can be obtained through a private lender.


This type of loan is also called a “story loan,” because it is more heavily based on whether or not the lender likes the idea of your project. 


These loans are sought when a borrower is looking to fund a construction project, or new development project. Often, the borrower is looking to fund the deposit required to get these types of projects started.


The borrower may also need funding for materials, and permits to complete the projects. This loan may be funded quickly because it is a short-term loan with a shorter evaluation process, but often the interest rates can sometimes be a little higher. 


Getting A Bridge Loan In Hawaii

A bridge loan is a loan offered by private lenders to provide the borrower with capital to bridge funding gaps between major capital transactions, such as investor payments, or even management changes.


A bridge loan provides short-term funding to the borrower to do things like pay for major business needs, such as seasonal inventory, equipment repairs, or even working capital for payroll etc.


It helps keep the business running while waiting for the primary investment payment to come in. 


This is why this type of loan is often only short-term, meaning that the loan is due within 12 months – 3 years depending on the length of the lender's terms.


In addition, these types of Hawaiian commercial loans seldom have a contracted payment date for the loan to be re-paid, so if the payment is off by a day or week the loan will not go into default.


In addition to bridge loans, you might want to consider a Hawaii merchant cash advance or Hawaii working capital loan. These loans are also short term in nature, and are especially attractive for businesses with credit challenges/blemishes.


They're also attractive if you're needing quick funding. These loans usually fund in a matter of days, rather than several weeks.


Hawaii Geographical & Regional Locations


Hawaii is the last of the 50 states admitted into the Union. It became a state on August 21, 1959. Hawaii is the only U.S. state made up entirely of islands.


Hawaii is a very popular destination for tourists, due to its warm tropical climate, lots of public beaches, and beautiful ocean surroundings.


Hawaii is one of two states (the other being Alaska) that is not in the Contiguous United States.


Hawaiian cities include:


Honolulu

Kaneohe

Makakilo

East Honolulu

Mililani Town

Wahiawa

Pearl City

Kahului

Schofield Barracks


Hilo

Ewa Gentry

Wailuku T

Kailua

Mililani Mauka

Kapolei

Waipaha

Kihei

Ewa Beach



Private Lenders in Hawaii and

Business-Funding-Advisors.com

If you are looking for Hawaii private lenders who can approve your commercial loans, the consultants at Business-Funding-Advisors.com can help you.


Our network of private lenders will simplify the loan process and reduce the time and amount of red tape that traditional banks usually subject borrowers to.


Because they're not regulated by the FDIC, private lenders in Hawaii can approve loans based on their own regulations and guidelines.


This means many more loans funded, with quicker approvals for you, the borrower.


If you want to apply for commercial loans in Hawaii, fill out our short form below.


One of our consultants will contact you within 24 hours.




QUICK COMMERCIAL LOAN APPLICATION


We provide FREE, no obligation evaluations, with no upfront costs, or expensive fees for approval to our private lender programs.


- Minimum loan amounts (for commercial building projects): $100K with no maximum.


(Loans approved for commercial only, not single-family residential projects.)


- No pre-payment penalties on programs offered.


We will respond to your loan application within 24 hours!


Commercial Loan App

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Merchant Cash Advance and

Working Capital Loan Programs

are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


Commercial loans are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,

 Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


COMMERCIAL LOAN PROGRAM HIGHLIGHTS


Commercial Real Estate Programs

· Lending Area: Nationwide & International


· Loan Size: $100,000-no maximum


· Rates as low as 3.74%

· up to 90% LTV


APPLY HERE

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Commercial Development & Construction Loans

· National & International


· $2MM-$50MM


· Interest Rate: 5-9% Fixed (1% for churches)


· Amortization: up to 25 years


· Zero fees


· Points: Up to 3%, paid at closing


· Term: 5 yrs; also can structure a construction to permanent loan with interest only during draw down periods.


APPLY HERE

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Hard Money Loans Rates and Criteria:

· Loan Size: $100K-$100MM


· Lending Area: National & International


· Collateral: We lend to mainly on commercial real estate, including raw land and development projects


· Interest Rates: 7-14% (rates depend on collateral)


· Amortization: Interest only


· LTV: Up to 80%

· Origination Fee: 1-4%

· Closing time: 1 week to 30 Days


APPLY HERE

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Bridge Loans

· Loan Size: $1MM-$15MM


· LTV: Up to 75%


· Rate: 5-7%


· Term: 1-3 years, Interest Only


· Property Types: Office, Retail, Industrial, Multi-Family, Manufactured Housing, Condominiums, Self Storage, Special Use, Hospitality, Assisted Living/Congregate


APPLY HERE

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Unsecured Business Lines of Credit

· $25,000-$100,000 (start up businesses with no established revenue and business owner with good credit)


· $100,000-$500,000 (established businesses w/ revenue of $1MM or more; no collateral if good credit and financials)


· 0% intro rates on business credit card solutions, to 1-5% over prime for large credit lines.


· No "subprime" unsecured lines


APPLY HERE

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Click Here To Apply for A Business Cash Advance or Working Capital Loan


Bank ACH or Credit Cards


90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

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Restaurant-Retail, 
Small Business Loan Program


  • · Unsecured Loans up to $1,000,000 per location

  • · No Collateral Required

  • · Minimum Annual Sales: $150,000

  • · Minimum: 550 FICO

  • · Must be in business at least 1 month to document sales

  • · Loan amounts below $150,000 require NO tax returns or financial statements


APPLY HERE

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Customer Finance Programs for Businesses

· Can finance your customers down to a 500 FICO;

can finance your turndowns from your current credit provider


· Instant online credit processing and approval


· E-signature capabilities


· Can purchase or collect bad debt portfolios


· Industries include: Medical, Dental, Jewelry Retail, Furniture, Memberships, Private school tuition, Security/Alarms, Vocational Schools, Travel, etc.


APPLY HERE

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Click Here to Apply for

A Private Lender Commercial Loan


- Zero upfront costs, zero fees for approval to our programs.


- Minimum loan amounts: $100K for commercial building projects, with no maximums.


- No pre-payment penalties on programs offered.

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Click Here To Apply for A Merchant Cash Advance or Working Capital Loan


- Bank ACH or Credit Cards


- 90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

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