Hawaii Merchant Funding (HMF) exists to support Hawaii’s small‑business ecosystem—from family‑run food trucks to multi‑location retailers—by combining flexible funding with a local‑first technology platform.

By offering fast alternative funding solutions and business‑intelligence tools, HMF aims to help entrepreneurs focus on serving customers and growing their teams rather than wrestling with complex financial tasks.

At HMF, we are partners in uplifting Hawaii’s economy.

Hawaii Merchant Funding (HMF) exists to support Hawai‘i’s small‑business ecosystem—from family‑run food trucks to multi‑location retailers—by combining flexible funding with a local‑first technology platform.

By offering fast alternative funding solutions and business‑intelligence tools, HMF aims to help entrepreneurs focus on serving customers and growing their teams rather than wrestling with complex financial tasks.

At HMF, we are partners in uplifting Hawai‘i’s economy

Hawaii Merchant Funding (HMF) exists to support Hawai‘i’s small‑business ecosystem—from family‑run food trucks to multi‑location retailers—by combining flexible funding with a local‑first technology platform.

By offering fast alternative funding solutions and business‑intelligence tools, HMF aims to help entrepreneurs focus on serving customers and growing their teams rather than wrestling with complex financial tasks.

At HMF, we are partners in uplifting Hawai‘i’s economy

Our values

Our values

Our values

Relationships are built on aloha - grounded in trust, respect, and a shared commitment to supporting Hawaii's people, together.

Laulima

(Many Hands Working Together): Collaborative approach to merchant success

Akamai

(Smart): Intelligent use of technology for competitive advantage

Kuleana

(Responsibility): Commitment to Hawai'i's business prosperity

Ho'omau

(Perserverance): Relentless focus on market leadership