
Island businesses don’t run on a mainland calendar. Freight went up about 26% in January and climbs again each of the next three years. Peak season carries the quiet months. And the 2026 storm season has brought floods, an earthquake and named storms, with more of the season still ahead.
We look at how your business actually performs across a year — not a credit score, and not the month you happen to be standing in.
Don’t see your industry?
These are the eight we’ve built pages for, not the eight we fund. If you run a business in Hawaiʻi with real revenue, the conversation is the same. Auto shops, boatyards, cleaning and property services, transportation, galleries, photographers, childcare — call us.



