Business Loans & Lines of Credit
Contact usTake the next step for your Hawaii business with the right business loan or line of credit. Our Business Banking team will help you make smart decisions based on your projected growth, cash flow and forecasting.
Flexible Terms
Ensure your monthly payments remain affordable.
Customized Loan Structure
To fit your long-term business needs.
Low Fees
On our loans and lines of credit.
Competitive Rates
We’re here to help you succeed.
Quick Turnaround
The world of business moves fast, and so do we.
No Prepayment Fees
You’ll never be charged prepayment fees for any reason, anytime.
Local Small Business Spotlight: Casablanca Bridal & Formals
Choose the right loan that works for you
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Best if you want:
Best if you want:
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Only make payments when you use it
Only make payments when you use it
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Flexible terms
Flexible terms
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Customized loan structure
Customized loan structure
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Refinancing options
Refinancing options
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Quick application process
Quick application process
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Business Revolving Line of Credit
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Best if you want:
A line to cover seasonal cash flow and short-term financing needs.
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Only make payments when you use it
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Flexible terms
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Customized loan structure
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Refinancing options
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Quick application process
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Business Term Loan
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Best if you want:
Capital to finance equipment, vehicles, and other long-term business needs.
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Only make payments when you use it
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Flexible terms
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Customized loan structure
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Refinancing options
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Quick application process
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Commercial Real Estate Loan
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Best if you want:
To purchase or refurbish apartments or commercial buildings. Or, refinance an existing mortgage.
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Only make payments when you use it
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Flexible terms
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Customized loan structure
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Refinancing options
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Quick application process
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Condominium Association Loan
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Best if you want:
A loan for your Association’s capital improvement projects, repairs, upgrades and debt refinancing.
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Only make payments when you use it
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Flexible terms
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Customized loan structure
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Refinancing options
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Quick application process
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Business Visa® Signature Rewards Credit Card
Keep track of your business expenses and earn rewards points with every purchase. Our cards are packed with benefits, including:
- No Annual Fee
- Low Annual Percentage Rate (APR)¹
- Earn rewards points that can be redeemed for travel, merchandise, or cash
- No cash advance fee
- No balance transfer fee
Manage Your Business Accounts Online
You and your business move fast. Keep that momentum going with Digital Banking and the Mobile App2.
Member Testimonial
The Limtiaco Consulting Group, a civil engineering and environmental firm, had a lease that ended every five years. Principal John Katahira recalls how the growing company kept having to move to a bigger property until eventually finding their own space. John thanks Hawaii State FCU for helping finance their loan, which was critical for their small business.
Ready to apply for your Business Loan or Line of Credit?
Stop by one of our branches
Contact us
1. The APR for Purchases, Balance Transfers and Cash Advances for the Business Signature Cash Rewards card is 8.90%. The APR is current as of 11/1/2024 and is subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Rewards points are based on net purchases. Minimum credit line is $500 for the Business Signature Cash Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.
2. Mobile Banking is free to all Hawaii State FCU Online Banking members. An internet-enabled mobile device is required to access Hawaii State FCU Mobile Banking App and Website. You must be enrolled in Online Banking to access Mobile Banking. Mobile Check Deposit available in Mobile Banking App version 4.1.0.0 and higher.