Business Lines of Credit

Access cash with Business FirstLine[[®]], our flexible line of credit.

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Benefits for your business

Get cash when you need it with a revolving line of credit for your business[[#1]]
Have funds available for payroll, inventory, financial emergencies, and more
Conveniently transfer funds into a First Hawaiian Bank deposit account through Online Banking

Can be secured or unsecured

Credit limits from $5,000–$250,000

Additional Details

Account Type: Line of Credit (Secured & Unsecured)
Credit Limits: $5,000–$250,000
Maturity Term: Up to 3 years
Loan Documentation Fee: $200

Annual Fee[[#2]]:
- For lines $5,000 - $75,000: $50/year (waived for Business Priority Banking Platinum customers)
- For lines $75,001 - $250,000: 0.25% of the loan amount

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You will need the following information to apply:

Business Federal Tax ID or Employer Identification Number
Social Security Number (Sole Proprietorships and Personal Guarantors)

Depending on the specifics of your request, you may also need to provide the following:

Financial information, including tax returns from the two previous years, the business owner/guarantor's personal financial statements, business financial records, and/or business formation documents
For Guam and Saipan businesses: Business license and certificate of existence

Please Note: After the application is submitted, FHB may reach out for further information.

FAQs

How can I apply for a Business FirstLine of Credit?

You may apply via:

Online Application
Please note: Applications for secured loans/lines of credit and applications for line increases on existing Business FirstLines cannot be submitted online. In addition, businesses without personal guarantors or with more than one (1) guarantor cannot apply online. If any of these situations apply to you, please visit a branch to apply.
At any First Hawaiian Bank Branch

Do I need a First Hawaiian Bank account to apply for a Business FirstLine?

No. A First Hawaiian Bank relationship is not required to apply/qualify for a Business FirstLine .

What should I do if I lose my Business FirstLine checks?

To report any lost checks, please contact your First Hawaiian Bank branch of account. Replacement checks will be mailed to you.

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Disclosures

Subject to credit approval.
The $50 annual fee for lines up to $75,000 is waived for the first year and is waived each year for Business Priority Banking Platinum customers. For lines $75,001 - $250,000, the annual fee is 0.25% of the line amount.