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Hawaii's $100+ billion economy is powered by tourism, military spending, real estate, and a growing food and agriculture sector. With over $620 million in annual SBA loan approvals, the Aloha State offers robust federal lending programs for businesses across all four major counties. Hawaii's unique island economy means higher property values and operating costs, but SBA programs with 10% down and below-market fixed rates make ownership achievable.
FundMySBA connects Hawaii entrepreneurs with lenders who understand island economics — from resort operators in Wailea and Waikiki, to restaurateurs in Honolulu's Chinatown, to businesses rebuilding in Lahaina after the devastating 2023 wildfires. Our network includes mainland and local Hawaii lenders with deep experience in the state's distinct market dynamics.
Boutique hotels, resort properties, vacation rentals, and hospitality operations across all islands. SBA 504 + 7(a) stacking available.
Restaurant acquisitions, buildouts, food trucks, catering operations, and farm-to-table concepts throughout Hawaii.
Office buildings, retail space, mixed-use developments, and owner-occupied commercial property. 10% down with SBA 504.
Tour operators, charter boats, dive shops, activity companies, and eco-tourism ventures. Equipment and working capital financing.
SBA disaster loans and traditional 7(a)/504 programs for Maui businesses rebuilding. New construction, property acquisition, and business expansion.
Medical and dental practice acquisitions, professional office space, veterinary clinics, and healthcare facilities across the islands.
Hawaii businesses can access SBA 7(a) loans up to $5M for working capital, equipment, and acquisitions; SBA 504 loans up to $5.5M for commercial real estate and heavy equipment with fixed rates and 10% down; SBA Express loans up to $500K with 36-hour approval; and SBA Microloans up to $50K for startups.
Yes. The SBA has expanded disaster loan programs and traditional SBA 7(a) and 504 programs remain fully available for Maui businesses rebuilding after the 2023 wildfires. SBA disaster loans offer low-interest financing up to $2M, while standard SBA programs cover new construction, property acquisition, and business expansion throughout Maui.
Not necessarily. SBA 504 loans allow just 10% down on commercial real estate, making Hawaii's premium property values more accessible. The SBA's $5.5M 504 limit and $5M 7(a) limit cover most Hawaii commercial transactions, and lenders familiar with island markets understand the higher cost basis and adjust underwriting accordingly.
Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your business and funding needs, and we instantly match you with SBA-approved lenders serving Hawaii. No credit check required for pre-qualification.
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