Business Express Lines of Credit
Business Express Lines of Credit
A Business Express Line of Credit offers numerous advantages that make it an ideal financing option for small businesses. Never miss out on an opportunity again with our easy-to-access revolving line of credit. Designed for the dynamic needs of small businesses, our Business Express Lines of Credit provide you with the financial flexibility to respond quickly to unexpected expenses or time-sensitive investments.
Why Choose a Business Express Line of Credit?
A Business Express Line of Credit provides significant advantages for small businesses seeking flexibility and quick access to capital.
- On-Demand Access: Use your credit line instantly without reapplying.
- Pay for What You Use: Interest is charged only on the borrowed amount.
- Revolving Credit: Your available credit replenishes as you repay principal.
- Flexible Repayment: Use your line when you need to. Then decide whether you pay the minimum payment or pay down extra principal every month.
- Quick Capital: Access funds anytime to seize opportunities or tackle challenges.
Ready to enhance your business’s financial flexibility? Explore our Business Express Line of Credit options today and empower your growth.
Line of Credit Features
Here are some compelling reasons to consider this flexible financial solution:
- Generous Credit Limits: Access credit limits ranging from $10,000 to $500,000, tailored to your business needs.
- Flexible Terms: Draw funds as needed and repay on your own schedule, ensuring optimal cash flow management.
- Competitive Interest Rates: Benefit from interest rates that align with your business credit profile, helping you save on costs.
- Revolving Credit Feature: Re-access your available credit as you repay, providing ongoing financial support for your business.
- Low Fees: Enjoy transparent terms with no surprise charges, allowing for better financial planning.1
Unlock Your Business Potential
Explore our Business Express Line of Credit today and take the first step toward securing flexible, accessible funding for your small business. Have questions? Contact us to speak with one of our financing specialists.
What is a Business Express Line of Credit?
A business line of credit provides flexible funding whenever you need it. Unlike traditional loans, a line of credit allows you to draw funds as needed—up to a set limit—so you only pay interest on the amount you use. This makes it an ideal solution for managing cash flow, covering unexpected expenses, and seizing new business opportunities.
With a business line of credit, you gain:
- Immediate Access to Funds: Quickly tap into your available credit when necessary.
- Pay for what you use: Only pay interest on the funds you draw, helping you save on costs.
- Flexible Repayment Options: Repay on your schedule, allowing for better cash flow management.
Who Can Apply?
Business must be registered with State of Hawaii Department of Commerce and Consumer Affairs and operating at the time of application.
This program is not applicable for non-profit organizations (other financing available, inquire at a CPB branch near you).
Know Before You Apply
- Gather Information & Documents. Download PDF Guide.
- Apply Online: Our simple application process takes just minutes to complete.
- Get Approved: After submitting your application, our team will review your business profile and provide a fast decision.
- Receive Funds: Once approved, the funds are deposited into your account—so you can use them immediately.
- Repay Over Time: Make predictable monthly payments, and enjoy peace of mind with our transparent terms.
1. Fees vary depending on the approved credit limit. For credit limits up to $100,000, a one-time application fee of $125 and an annual fee of $60 will be assess at account opening and your account anniversary thereafter. For credit limits over $100,000 a one time application fee equal to 0.25% of the line amount and annual fee equal to 0.25% will be assessed at account opening and on your anniversary thereafter.