Business Loans & Lines of Credit

Take the next step for your Hawaii business.

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.

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No prepayment fees

You’ll never be charged prepayment fees for any reason.

BUSINESS MEMBER STORIES

The best part of working with Hawaii State FCU is having a dedicated commercial team member who truly understands our business needs.

Through financing from Hawaii State FCU, 604 Hospitality Group was able to acquire a commercial kitchen facility to support the growth of their 604 On The Go business, helping them expand to new audiences.

Choose the right loan that works for you.

Business Revolving Line of CreditBusiness Term LoanCommercial Real Estate LoanCondominium Association Loan
Best if you wantA line to cover seasonal cash flow and short-term financing needs.Capital to finance equipment, vehicles, and other long-term business needs.To purchase or refurbish apartments or commercial buildings. Or, refinance an existing mortgage.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® Signature Rewards Credit Card

Disclosures

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 3/1/2025 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.

Ready to apply for a business loan?