Recovery Guide 2026

When the answers can’t wait weeks.

Better Than Banks.
We Fund Fast.

You’re closer than you think — most businesses qualify.

You’re closer than you think — most businesses qualify.

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In Business for at least one year

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“Supporting Hawai’i’s economy one business at a time”

“Supporting Hawai’i’s economy one business at a time”

Your Questions, Answered

Your Questions, Answered

Everything you need to know - clear, simple, and upfront

Everything you need to know - clear, simple, and upfront

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?

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?