- Hawaii has not enacted a commercial financing disclosure law as of mid-2026, so MCA providers aren't required to use a standardized disclosure, though general contract and consumer-protection law still apply.
- High shipping and energy costs and a tourism-driven calendar make working capital especially important for island businesses.
- The SBA Hawaii-Pacific Islands District Office in Honolulu serves the state along with Guam, American Samoa, and other U.S.-affiliated Pacific areas.
Funding the Hawaii economy
Hawaii’s economy is shaped by its geography. Tourism and hospitality drive much of the islands’ activity, a sizable federal and military presence adds stability, and diversified agriculture — from Kona coffee to aquaculture — fills out the mix alongside construction and a steadily growing healthcare sector. High shipping and energy costs make working capital and well-timed financing especially valuable for owners managing thin margins.
Industries we fund across Hawaii
- Tourism & hospitality — working capital and revenue-based financing for restaurants, tour operators, and retailers in Honolulu and Kailua.
- Construction & trades — equipment loans and lines of credit for builders working across Oahu and the neighbor islands.
- Agriculture & aquaculture — equipment and working-capital financing for growers and producers around Hilo and the Big Island.
- Healthcare — practice financing and build-outs serving island communities.
- Retail & food service — short-term working capital to bridge seasonal tourism swings.
What Hawaii’s rules mean for you
Hawaii has not enacted a commercial financing disclosure law, so merchant cash advance and sales-based financing providers are not required to give you a standardized cost disclosure the way they are in states like California or New York. That makes it especially important to compare the factor rate, total repayment, and payment schedule across offers before you sign. General contract and consumer-protection laws still apply if a provider acts deceptively. Hoss Capital only works with partners who operate transparently.