869 SBA loans worth $275.5M went to Hawaii businesses between October 2021 and June 2026, from 62 lenders. Central Pacific Bank made the most 7(a) loans, 392 or 50% of the state's total, and the ten most active lenders made 86%. The median 7(a) loan was $50,000, below the national median of $158,000. Restaurants and hotels was the most financed industry, at 19% of loans. Annual loan count rose 58% from fiscal 2023 to fiscal 2025.
| # | Lender | Loans | Approved | Median loan | To startups | Most common borrower |
|---|---|---|---|---|---|---|
| 1 | Central Pacific Bank Bank · Honolulu, HI | 392 | $26.1M | $42,300 | 48% | Restaurants and hotels |
| 2 | Northeast Bank Bank · Portland, ME | 68 | $10.4M | $118,200 | 7% | Administrative and support services |
| 3 | Newtek Bank Bank · Miami, FL | 51 | $26.4M | $200,000 | 18% | Other services (repair, personal care) |
| 4 | Readycap Lending Non-bank lender · Berkeley Heights, NJ | 42 | $7.2M | $50,000 | 10% | Professional and technical services |
| 5 | BayFirst National Bank Bank · St. Petersburg, FL | 36 | $4.7M | $150,000 | 0% | Retail |
| 6 | Celtic Bank Bank · Salt Lake City, UT | 24 | $12.7M | $150,000 | 12% | Other services (repair, personal care) |
| 7 | Live Oak Banking Bank · Wilmington, NC | 21 | $17.7M | $635,000 | 10% | Professional and technical services |
| 8 | Lendistry SBLC Non-bank lender · Los Angeles, CA | 16 | $4.2M | $136,350 | 0% | Retail |
| 9 | First Hawaiian Bank Bank · Honolulu, HI | 15 | $1.6M | $75,000 | 60% | Restaurants and hotels |
| 10 | Huntington National Bank Bank · Columbus, OH | 14 | $10.2M | $350,000 | 7% | Arts, entertainment and recreation |
| 11 | Commonwealth Business Bank Bank · Los Angeles, CA | 8 | $11.4M | $1,150,000 | 38% | Retail |
| 12 | Newtek Small Business Finance Non-bank lender · Lake Success, NY | 8 | $3.4M | $150,000 | 0% | Construction |
| 13 | Hawaii National Bank Bank · Honolulu, HI | 8 | $3.2M | $320,500 | 50% | Restaurants and hotels |
| 14 | First Bank of the Lake Bank · Osage Beach, MO | 6 | $4.7M | $480,000 | 33% | Restaurants and hotels |
| 15 | 22nd State Bank, A Division of 22nd State Banking Bank · Mobile, AL | 5 | $5.4M | $699,900 | 0% | Retail |
| 16 | Grow America Fund, Incorporated Non-bank lender · New York, NY | 4 | $1.7M | $425,500 | 25% | Restaurants and hotels |
| 17 | CenTrust Bank, A Division of SmartBiz Bank Bank · Northbrook, IL | 4 | $755K | $150,000 | 25% | Construction |
| 18 | U.S. Bank Bank · Cincinnati, OH | 4 | $152K | $41,500 | 50% | Health care and social assistance |
| 19 | Byline Bank Bank · Chicago, IL | 3 | $4.3M | $1,410,000 | 33% | Finance and insurance |
| 20 | Harvest Small Business Finance Non-bank lender · Laguna Hills, CA | 3 | $3.6M | $1,100,000 | 0% | Restaurants and hotels |
| 21 | United Midwest Savings Bank Bank · Degraff, OH | 3 | $1.8M | $250,000 | 100% | Administrative and support services |
| 22 | FWBank Bank · Chicago, IL | 3 | $1.6M | $490,000 | 67% | Restaurants and hotels |
| 23 | Mechanics Bank Bank · Walnut Creek, CA | 3 | $984K | $165,000 | 100% | Retail |
| 24 | Stearns Bank Bank · St. Cloud, MN | 3 | $925K | $50,000 | 0% | Manufacturing |
| 25 | Valley Isle Community FCU Credit union · Kahului, HI | 3 | $162K | $30,000 | 100% | Other services (repair, personal care) |
| # | Certified development company | Loans | SBA portion approved | Median |
|---|---|---|---|---|
| 1 | HEDCO Local Development Honolulu, HI | 55 | $50.2M | $598,000 |
| 2 | Mortgage Capital Development Oakland, CA | 22 | $26.8M | $1,010,000 |
| 3 | Business Finance Capital Los Angeles, CA | 3 | $4.1M | $1,249,000 |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Restaurants and hotels | 163 | $50,000 | Central Pacific Bank | |
| Construction | 141 | $50,000 | Central Pacific Bank | |
| Retail | 94 | $140,000 | Central Pacific Bank | |
| Health care and social assistance | 73 | $126,000 | Central Pacific Bank | |
| Administrative and support services | 71 | $80,000 | Central Pacific Bank | |
| Other services (repair, personal care) | 68 | $140,700 | Central Pacific Bank | |
| Professional and technical services | 59 | $90,000 | Central Pacific Bank | |
| Wholesale trade | 40 | $150,000 | Central Pacific Bank | |
| Arts, entertainment and recreation | 35 | $60,000 | Central Pacific Bank | |
| Transportation and warehousing | 27 | $50,000 | Central Pacific Bank | |
| Manufacturing | 26 | $50,000 | Central Pacific Bank | |
| Real estate and rental | 22 | $40,000 | Central Pacific Bank |
| City | Loans | Approved | Median loan | Most active lender |
|---|---|---|---|---|
| Honolulu | 280 | $96.9M | $77,500 | Central Pacific Bank |
| Kapolei | 56 | $27.3M | $177,500 | Central Pacific Bank |
| Kailua Kona | 51 | $13.3M | $50,000 | Central Pacific Bank |
| Aiea | 39 | $8.2M | $75,000 | Central Pacific Bank |
| Waipahu | 39 | $16.2M | $50,000 | Central Pacific Bank |
| Kihei | 37 | $8.0M | $150,000 | Central Pacific Bank |
| Ewa Beach | 30 | $1.2M | $26,000 | Central Pacific Bank |
| Kailua | 28 | $6.1M | $50,000 | Central Pacific Bank |
| Wailuku | 28 | $9.7M | $150,000 | Central Pacific Bank |
| Hilo | 24 | $10.1M | $108,500 | Central Pacific Bank |
| Lahaina | 21 | $4.4M | $50,000 | Central Pacific Bank |
| Kaneohe | 19 | $3.9M | $50,000 | Central Pacific Bank |
| Mililani | 19 | $1.0M | $40,000 | Central Pacific Bank |
| Kahului | 18 | $10.4M | $171,500 | Central Pacific Bank |
| Pearl City | 16 | $3.5M | $41,000 | Central Pacific Bank |
9 Hawaii cities and suburbs with at least 25 SBA loans since October 2021. Search any zip code at the top of the page.