We’ve updated our website and improved site navigation & user experience to maximize your financial well-being. Learn More

Business Loans & Lines of Credit

Contact Us
Business male.

Take 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.

Choose the right loan that works for you

  • Best if you want:

    Best if you want:

  • Only make payments when you use it

    Only make payments when you use it

  • Flexible terms

    Flexible terms

  • Customized loan structure

    Customized loan structure

  • Refinancing options

    Refinancing options

  • Quick application process

    Quick application process

Business Revolving Line of Credit

  • Best if you want:

    A line to cover seasonal cash flow and short-term financing needs.

  • Only make payments when you use it

  • Flexible terms

  • Customized loan structure

  • Refinancing options

  • Quick application process

Business Term Loan

  • Best if you want:

    Capital to finance equipment, vehicles, and other long-term business needs.

  • Only make payments when you use it

  • Flexible terms

  • Customized loan structure

  • Refinancing options

  • Quick application process

Commercial Real Estate Loan

  • Best if you want:

    To purchase or refurbish apartments or commercial buildings. Or, refinance an existing mortgage.

  • Only make payments when you use it

  • Flexible terms

  • Customized loan structure

  • Refinancing options

  • Quick application process

Condominium Association Loan

  • Best if you want:

    A loan for your Association’s capital improvement projects, repairs, upgrades and debt refinancing.

  • Only make payments when you use it

  • Flexible terms

  • Customized loan structure

  • Refinancing options

  • Quick application process


Business Visa® Platinum 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 Fees
  • Low Annual Percentage Rate (APR)¹
  • Earn rewards points that can be redeemed for travel, merchandise, or cash
  • No cash advance fees
  • No balance transfer fees
Business Visa<sup>®</sup> Platinum Rewards Credit Card.

Manage Your Business Accounts Online

You and your business move fast. Keep that momentum going with Online Banking and the Mobile App2.

Online Banking on your laptop.
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.

John K, Limtiaco Consulting Group
The Limitaco group.

Meet Our Business Banking Team

Our Hawaii State FCU Business Banking Team is ready to go to work for you. Just call the expert in your area.

Send Us Your Business Questions

Business can seem complicated without the right team on your side. Send us your questions. Let us know how we can help you and we’ll get back to you within one business day.

Business Contact

  • Name * Required
  • This field is for validation purposes and should be left unchanged.

Ready to apply for your Business Loan or Line of Credit?

Disclosures

1 The variable APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards card is 10.65% to 18.00%, when you open your Account, based on your creditworthiness. The APRs are current as of 10/1/2017 and will vary with the market based on the U.S. Prime Rate. Rates are 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 Platinum Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.

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.

Back to Top

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

Cancel Accept