Financial Solutions for North American Companies


Many companies use accounts receivable financing, also known as invoice factoring, as a way to fund their companies. The process works by selling your receivables (invoices) to a third party (factoring company) at a discount in exchange for immediate payment. With invoice factoring and accounts receivable financing, there is no more waiting on customer payment.

Benefits of Invoice Factoring & Accounts-Receivable Financing

While there are other factoring companies in Hawaii, Scale Funding offers many benefits.

  • Hawaii accounts receivable financingNo setup or application fee
  • Same-day cash on your invoices
  • Competitive advance rates
  • Low, discounted factoring rates
  • Monthly programs ranging from $50,0000 to $20 million
  • Dedicated relationship manager
  • Account collector
  • Free customer credit reports
  • More than 20 years of experience


Since 1994, we’ve provided cash-flow solutions to companies through our Hawaii accounts receivable financing programs. We are able to factor invoices for businesses that invoice other business on net terms. Here are just a few of the industries we’ve helped over the years.

Manufacturing Government Contractors
Technology Staffing Agencies
Telecom & Wireless Trucking & Freight
Heavy Construction Renewable Energy
Utility & Pipeline Oilfield Services

Custom Programs

One of the many reasons businesses choose Scale Funding over other factoring companies in Hawaii is because our programs are custom and flexible to fit each unique situation.

Quick Cash

If you need quick cash for your business and don’t have time to go through a lengthy approval process, our Hawaii accounts receivable financing programs are the answer. We’ll get you funded the same day on your invoices.

Slow-Paying Customers

Slow-paying customers cause a cash-flow gap which makes it difficult to maintain or grow operations. Speed up your cash flow with invoice factoring so you’re able to meet payroll, invest in new resources, pay bills, and more.


Many times, start-ups invest almost all of their cash into opening their doors. It takes a big investment to purchase equipment, office supplies and other necessities needed to open the doors. Use our Hawaii invoice factoring programs to make sure you have the working capital to complete the job.


If you’re turning down work because your cash flow isn’t quick enough, invoice factoring is the perfect solution for you. We’ll get you paid the day you’re ready to invoice so you’re able to take on more work.

Bank Workouts & Turn-Downs

If the bank has turned you down or is taking away funding they once provided, we can still help. Our invoice factoring programs are able to work with those that have maxed-out credit, less-than-perfect credit, tax liens or have filed for business bankruptcy.

Grow Your Hawaii Business with Invoice Factoring. Call (800) 707-4845
to Find Out More.

Latest Hawaii Updates

  • Honolulu, Hawaii Staffing Agency Approved for $700,000 with Invoice Factoring
  • Makaweli, Hawaii Trucking Company Approved for $100,000 with Invoice Factoring
  • Pearl City, Hawaii Freight Company Approved for $50,000 with Accounts-Receivable Financing


Hawaii accounts-receivable financingFamous 80’s vocalist Belinda Carlisle once sang that “heaven is a place on earth.” She must have Hawaii in mind while creating those lyrics. What state has piqued so much more pictorial interest for its beaches, smiling people, and gorgeous all-around geography? You behold a postcard from Hawaii and suddenly the word paradise comes to mind.

Geography and Climate

Hawaii is the 50th state of the United States. Its capital and largest city is Honolulu. It is not located in what geographers call as the contiguous “Americas” but is instead situated in Oceania as an archipelago, which means Hawaii is composed of many islands.

Hawaii is made up of eight major islands. The seven islands that are inhabited are Hawaii, Maui, O’ahu, Kaua, Molokai, Lana, and Kaho’olawe. The last island, Nil’hau, is privately owned and access to it is determined by the family who owns it. The remaining are small islands or islets. Its highest mountain is Mauna Kea, at 13,796 feet.

The Hawaiian Islands were created by underwater volcanic activity. There are still a number of volcanoes in the state. Its unique location also produces unique wildlife and vegetation. It is the state with the most number of endangered species. An example is the plant Brighamia, which has to be taken under the special care of botanists for it to flourish and survive.

The climate is tropical. The heat doesn’t go overboard because it is tempered by the trade winds.


As of 2015, there are 1,431,603 people living in Hawaii. The majority of the population is composed of Asians, which makes Hawaii unique in the US. The people in Hawaii speak two languages, namely English and Hawaiian.


Hawaii was once occupied by Polynesians who came from the Marquesas Islands, about 4,000 kilometers away from Mexico.

Then two groups, who now belong to islands called as French-Polynesian islands, arrived. After which were the Tahitians. These migrations established tribal chiefdoms.

There were speculations that the Spanish explored the islands in the 16th century but there are no hard facts to support it. What is certain is that a British Explorer, James Cook, arrived in 1778 and documented his exploration. He named the islands the Sandwich Islands in honor of his sponsor, the 4th Earl of Sandwich. In his publication, he spelled the islands’ name as Owyhee. This name survived in Idaho in the place called Owyhee County. In his second visit, an altercation between Cook and the natives led to the kidnapping of the King of Hawaii and ultimately, Cook’s death since the natives were not cowed, but instead fought back.

Cook and his writings were responsible for other European explorations of the islands. These visits were not always beneficial as the natives were infected by diseases brought by the visitors. In the middle of the 19th century, half of the Hawaiian population died from measles.

The kingdom of Hawaii was established in 1795 after continuous battling among the tribes. Eventually, one ruler was named, King Kamehameha the Great. Protestant missionaries came to the islands and converted a number of people. King Kamehameha III, who ruled Hawaii from 1825 to 1854, became the islands’ first Christian king. He also formed a government that is akin to the British. His rule was basically an integration of Western bureaucracy to the monarchy of Hawaii.

Sanford Ballard Dole, an American, became Hawaii’s president when Hawaii became a republic in 1884. The signing of the 1887 of the Constitution of Hawaii obliterated the power of the monarchy and handed it over to the rich white settlers of the islands.

From 1898 to 1959, Hawaii was annexed to the US. It was called the Territory of Hawaii. It was self-governed but it was still a US territory. During World War II, the island O’ahu was attacked by the Japanese. It spurred the US into joining the war.

A referendum was made in 1959, asking Hawaiians whether they wanted Hawaii to become a state. The votes showed an overwhelming support for statehood. It became a state on August 21, 1959.

Business Climate

Hawaii accounts-receivable financingThe top five industries of Hawaii are tourism, defense (there a number of military bases in the state), agriculture, manufacturing, and service. The last one complements the first, what with Hawaii’s growing number of hotels and resorts.

Office and administrative support, food preparation and serving-related jobs, sales, education, and transportation and material-moving are the most popular jobs in the state.

The state government, the US military, University of Hawaii, Hawaii Pacific Health (a non-profit healthcare provider), and Hawaiian Holdings (parent company of Hawaiian Airlines) have the most number of employees.

The median household income of Hawaii is $69,592. This is 29.7 percent higher than that of the median household income of the entire country.

Food Culture

Since the population is predominantly Asian, the cuisine in Hawaii is different from any American state. The most popular ancient Hawaiian food is poi, made from pounding taro and sometimes fermented to get the desired sour taste. Lau lau means “leaf, leaf.” Pork or fish is wrapped in leaves (thus, the name) and cooked in an underground oven. Grilled, steamed, or baked, the sweet potatoes called uala are tasty no matter how it is cooked. Pipi Kaula is Hawaii’s beef jerky. It’s eaten with either poi or white rice. Made from taro, kulolo is a dessert that the locals always want to serve their visitors.

Points of Interest

The Hawaii Volcanoes National Park is home to a number of active volcanoes. Visitors get to witness and gape at lava flows, lava tubes and active craters.

The Polynesian Cultural Center is a Polynesian-themed park in Laie. This a place to watch Polynesian dances performed and Polynesian music played with authenticity.

Mauna Kea, Hawaii’s highest peak, is a great place for hiking, mountaineering, and climbing. People also claim that is also good for stargazing.

Pearl Harbor in O’ahu is a showcase of war memorabilia, including aircraft used during World War II.

Waimea Canyon State Park is known as the Grand Canyon of the Pacific. Its formation is interesting since this large canyon was brought about by the collapse of a volcano.


Malama Wau Akua (September) reenacts the glorious Hawaii royalty of yore, complete with costumes and pageantry.

Also in September in Lihue is the prestigious Kauia Hula Competition. The dance might be traditional but participants are encouraged to offer new chants to get higher scores from judges.

In Keauhao, Cool Fusion: A Night of a 100 Bowls celebrate music, ceramics, and of course, food. This one is also in September.

For film lovers, there is the Hawaiian International Film Festival. This is the only film festival that screens the participating movies all over the state.

For music lovers, they may join the Hawaiian International Music Festival in the three islands of O’ahu, the Big Island of Hawaii, and Maui. Not only is it a classical musical showcase, it is also a celebration of the history of Hawaii, with a special emphasis on coffee and chocolate. It was held in August of 2016.


The top five commercial airports in Hawaii are Honolulu International Airport, Kahului Airport, Kona International Airport, Lihue Airport, and Hilo International Airport.