US Professional Funding provides business financing and commercial real estate loans to businesses, entrepreneurs, investors, and property owners throughout Hawaii. Whether you are purchasing an established company, opening a new location, expanding an existing operation, or acquiring commercial property, USPF helps qualified borrowers explore financing options suited to their individual objectives.
Businesses throughout Hawaii may seek capital for a variety of purposes, including business acquisitions, commercial real estate purchases, expansion, equipment, working capital, debt refinancing, construction, and facility improvements. In Hawaii, an SBA 7(a) loan is a common way to buy an established tour operator, restaurant group, or Oahu service company, since it can fund goodwill and working capital together. The SBA 504 program, using a bank and a Certified Development Company, focuses on fixed assets like a commercial building or major equipment, and conventional loans may suit established borrowers with strong financials who want a different structure.
From Honolulu and Pearl City to Hilo, Kailua-Kona, Kahului, Kapolei, and other communities across the Hawaiian Islands, business owners face different opportunities and capital requirements depending on their industry, location, property, and growth plans. Honolulu on Oahu is the state’s business and military center, while Maui, the Big Island, and Kauai depend heavily on tourism and hospitality, with agriculture such as coffee and specialty crops and inter-island shipping and logistics important across the islands. Hawaii acquisitions often involve tour and activity operators, restaurants, property service companies, and contractors.
Commercial property can represent a significant part of a business’s long-term strategy in Hawaii. Businesses purchasing property for their own operations may also explore SBA or conventional financing designed around both the real estate and the operating company. Because many goods are shipped in, lenders often look closely at inventory planning and supplier relationships.
For entrepreneurs and investors looking to acquire an existing Hawaii business, financing can help provide the capital needed to complete a purchase while maintaining resources for working capital and future operations. The cost of shipping goods to the islands affects inventory and equipment planning. The cost of shipping goods to the islands affects inventory and equipment planning.
USPF considers factors such as the purpose of the financing, business performance, property or assets involved, transaction structure, borrower qualifications, and other relevant financial information when evaluating a request. Hawaii lenders often review tax returns, financial statements, existing debt, collateral and ground lease terms where land is leased, the owner’s credit and liquidity, and the business’s dependence on visitor traffic.
Whether you are acquiring a business in Honolulu, purchasing commercial real estate in Hilo, expanding a company in Kahului, financing equipment in Kailua-Kona, or refinancing an established operation elsewhere in Hawaii, US Professional Funding can help you compare SBA and conventional business financing options.
With more than three decades of financing experience, USPF works with businesses throughout Hawaii and across the country on acquisitions, commercial real estate, expansion, equipment, working capital, refinancing, construction, and other commercial financing needs.