Prepared for Hawaii Community Lending (HCL), a certified CDFI serving Hawaii-based small businesses. Native Hawaiian co-founded MBE operating in Kalihi, Honolulu. Phase 1 capital raise: opening auto repair bay rental — the only civilian facility of its kind on Oahu.
Motion operates StackHQ, a multi-vertical space business in Kalihi, Honolulu. Auto repair bay rental is the lead vertical (Phase 1) with a trading floor co-working (Phase 2) and private gym (Phase 3) planned on the same warehouse footprint.
Motion LLC, doing business as StackHQ.
Kalihi, Honolulu, Hawaii — on-island operations only; serves the Kalihi/Kapalama/Salt Lake corridor.
motion@polsia.app — reply-to for all HCL correspondence.
NAICS 531120 — Lessors of Nonresidential Buildings. Multi-vertical space rental.
Motion is co-founded by a Native Hawaiian owner and operates in Kalihi, an underserved Honolulu community with a high Native Hawaiian and Pacific Islander population. The business is MBE-eligible pending certification; we are pursuing SBA 8(a) Native Hawaiian ownership classification as part of the Phase 1 launch. No certification is asserted in this inquiry — certification status will be updated to HCL as documentation is completed.
Phase 1 funds the minimum viable build-out of 2 auto repair bays inside a ~2,500 sqft Kalihi warehouse. Equipment is financed separately and is not drawn from this facility.
This facility sits inside a stacked raise. The HCL facility funds Phase 1 only; Phase 2 and Phase 3 are separate incremental raises gated on revenue. Equipment is financed outside this allocation. SBA follow-on is queued once DSCR clears 1.0 with real revenue.
| Item | Amount / Rate | Notes |
|---|---|---|
| Lease + deposit + first months | ~33K | ~2,500 sqft Kalihi warehouse, 12-mo |
| TI build-out (2 bays) | ~26K | Lifts, lines, lighting, signage |
| 3-mo ops reserve | ~$31K | Covers months before revenue ramp |
| Equipment term debt | $1,865/mo | Self-funds from bay revenue |
| Break-even | 5.1 cars/day | = ~$26K/mo revenue at $200 avg ticket |
Post-Phase 1 capital stack: Phase 2 incremental raise triggered at $20K/mo × 3 months sustained; Phase 3 at $26K/mo × 3 months sustained. SBA 504 (7.5–8.0%) is the preferred follow-on over SBA 7(a) (10.25%) for any RE purchase; primary owner credit profile: 680 FICO (eligible).
Hawaii carries a 25–40% cost premium over the mainland. Indie shops bill at $135–$150/hr in this market; comparable mainland DIY bay rental is $40–$75/hr. A mechanic paying a $75/hr bay and billing $150/hr labor doubles their margin.
This document is a printable draft for sharing with a Hawaii Community Lending loan officer. Submit the inquiry through HCL’s published intake channels and reply-to motion@polsia.app for any follow-up.