SBA 7(a) loans in Hawaii
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
460loans approved
$50,000median loan
$30K–$185Kmiddle half of loans
$106.4Mtotal approved
11%median initial rate
8 yrsmedian term
The median Hawaii loan is 71% smaller than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 30 | $50,000 |
| Limited-Service Restaurants (722513) | 20 | $75,000 |
| Snack and Nonalcoholic Beverage Bars (722515) | 16 | $50,000 |
| All Other Specialty Trade Contractors (238990) | 14 | $125,000 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 13 | $50,000 |
| Mobile Food Services (722330) | 11 | $30,000 |
| Residential Remodelers (236118) | 11 | $40,000 |
Most active lenders in Hawaii
| Lender | Loans | Median | Total |
|---|---|---|---|
| Central Pacific Bank | 230 | $40,000 | $15.7M |
| Readycap Lending, LLC | 31 | $50,000 | $5.6M |
| Northeast Bank | 27 | $100,000 | $3.7M |
| Newtek Bank, National Association | 25 | $250,000 | $15.4M |
| Bayfirst National Bank | 23 | $150,000 | $2.9M |
| Celtic Bank Corporation | 16 | $150,000 | $7.4M |
| Live Oak Banking Company | 15 | $500,000 | $11.0M |
| Lendistry Sblc, LLC | 13 | $150,000 | $2.7M |
| First Hawaiian Bank | 11 | $75,000 | $935K |
SBA 504 loans in Hawaii
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
60504 loans approved
$726,000median CDC portion
$63.7Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Hawaii
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Mortgage Capital Development Corporation | 30 | $963,000 | $35.4M |
| Hedco Local Development Corporation | 27 | $575,000 | $24.2M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.