If your business is on the verge of growth, a term loan may be just what you need to take your business to the next level. Use a term loan to buy fixed assets (equipment, vehicles, furniture or fixtures), consolidate debt or increase your working capital – the choice is yours.¹

FEATURES

• Unsecured loans from $10,000 up to $100,000
• Secured loans up to $250,000
• Competative rates
• No annual fee
• Flexible repayment schedules

There's nothing small about running and financing a small business – and there's nothing small about American Savings Bank's commitment to business owners. We're proud to be recognized as one of the leading originators of Small Business Administration (SBA) loans in Hawaii¹, and we're ready to help you start or purchase a business. If you're already a business owner, we can help you purchase equipment, upgrade your facilities, or expand your reach.

FEATURES

• Loans from $10,000 up to $50,000
• Low down payment requirements
• Projected income consideration
• Flexible terms and interest rates

The Purchasing Edition^® Visa^® Card offers improved cash flow, negotiated discounts with suppliers and easily managed company billing accounts. Optimize your cash flow, reduce purchasing costs and gain better insight into your spending.

FEATURES

• Revenue Share: Earn revenue share through card spend
• Improved Cash Flow: Allows you more time to fund payables
• Payment Advantage: Use grace period to maximize float
• Purchase Controls: Maintain policies through spending and control limits
• Cost Reduction: Negotiate vendor discounts and realize efficiency savings

The Commercial Edition^® Visa^® Card combines powerful expense management tools that allow for effective management of travel, entertainment costs and procurement expenses. Your business can maximize cash flow. The card also allows your company to minimize risk with multiple payment and statement options, and the ability to establish individual credit limits. Your business may also qualify for cash rebates based on annual spend¹. See your small business or commercial representative to apply.

FEATURES

• Revenue Share: Earn valuable revenue share through card spend
• Efficient Automation: Reduce administrative costs through automated expense reporting
• Reporting: Monitor company spending and code to general ledger accounts
• Control: Promote compliance with travel policies and spend limits

The powerful, adaptable one-card solution for Travel & Entertainment and Purchasing.

VOX^® is the innovative financial tool that evolves with your business. It gives you cash flow flexibility with your choice of minimum payment options and a high value credit line to meet your business needs—all with a single card you can use for both Travel and Entertainment and Purchasing functions. See your small business or commercial representative to apply.

FEATURES

• No Annual Fee¹
• A credit line between $50,000 - $250,000
• Earn 1 Maximum Rewards^® for Business² point per $1 you spend on qualifying transactions with no limits on the amount of points you can earn. Points expire 3 years from when they were awarded.
• Pay in full or revolve at a competitive rate to maximize cash flow
• Select your interest rate based on the minimum payment you choose

Summary of Credit Terms

Carry the Credit Card that fits your business

FEATURES

• No annual fee¹
• Separate business expenses from personal spending
• Low introductory APR on purchases and balance transfers

FEATURES

• $1,000 Minimum Opening Deposit
• No Monthly Service Fee with a $1,000 minimum daily balance OR
• $2,500 minimum monthly average balance, otherwise $10 per month
• Interest compounded daily and credited monthly
• Higher interest rates with higher balances
• Access funds by check¹

FEATURES

• $100 Minimum Opening Deposit
• No Monthly Service Fee with a $500 monthly average balance, otherwise $5.00 per month
• Interest compounded daily and credited monthly

FEATURES

• $100 Minimum Opening Deposit
• No Monthly Service Fee with a $300 minimum daily balance, otherwise $4.50 per month
• Interest compounded daily if balance is $100 or more and credited monthly