BUSINESSES WE’VE WORKED WITH
Local merchants, in their own words.
Thank you Hawaii Merchant Funding for supporting local always. Not only for the business aspect but from the heart also.
What da Cup
Shoutout to Hawaii Merchant Funding — they are funding us today so we can grow tomorrow.
Smash Lemons
Thank you HMF for all your local support of our local businesses.
Havelihi
Seamlessly share basic info about your business.
No paperwork mountains, no waiting in line.
1
Talk story with us
Tell us about your business in a couple of minutes. No paperwork mountain to start, and you’ll be talking to someone local — the same people you’ll deal with from the first call to the last payment.
2
We look at how your business actually earns
Not just a credit score. We walk you through your options and what each one costs, in plain numbers. You’ll know every cost before you sign.
3
Funds when you need them
Answers in hours, not weeks — because a good opportunity doesn’t wait. Sign, and funds move on the next business day.
LEARN BEFORE YOU SIGN
Before you take funding from anyone — including us
There are four things worth asking.
The total you’ll pay back. Not a rate. The dollar figure.
Every fee by name.
What happens if sales slow.
Who’s still accountable after the money lands.
If they can’t answer all four plainly, that’s your answer.
How much can I qualify for?
Is this a loan?
No. We offer flexible capital through the purchase of future receivables. You're not taking on debt — you're exchanging a portion of future earnings for capital today.
What is 'factoring' or the purchase of future receivables?
How do I pay HMF back / How are the funds collected?
What if the bank denied me / already said No?
How difficult is it to qualify?
How fast is funding?
How long does it take to apply?