CONSTRUCTION & TRADES FUNDING
Working capital for Hawaiʻi contractors
Fast, flexible funding built on your real job flow — honest terms, no surprises, ever. You buy materials before you bill, and you bill before you get paid. Payroll doesn’t wait for a progress payment to clear. Materials get ordered across the water at freight rates that rose about 26% in January and climb again each of the next three years. And a job that runs two weeks long is two weeks of crew you’re carrying on your own money. Being busy and being liquid are not the same thing. Most contractors find that out the hard way. We look at your actual job flow rather than a credit score, and we can move in days. Where a license is required, we verify it.
What contractors use it for
Materials on a job that hasn’t billed yet · Payroll between progress payments, including on government and institutional contracts · Equipment repair or replacement · Mobilizing on a new award · Bonding and permit costs · Carrying a job that ran long
Storm work?
If you’re mobilizing on storm work and fronting materials and labor, that gap is exactly what working capital is for.