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Small Business Administration (SBA) Lending

No bank does more to help small businesses than CPB.

Apply online now in minutes!

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Why Choose CPB?

CPB outpaced all other Hawaii financial institutions combined in the number of SBA loans provided in 2024. Central Pacific Bank is a preferred Small Business Administration (SBA) lender.

We can also help you with government loan programs for which you may qualify.

Have questions? Contact us to speak with one of our SBA lending specialists.

Benefits of Small Business Administration (SBA) Loans and Lines

As an SBA 7a lender, Central Pacific Bank offers loans and lines that come with significant advantages to help small businesses succeed, including:

Options to suit your needs: from a 5 year fixed rate term loan to a line of credit with repayment terms to help manage your cash flow.
Government Guarantee: SBA backing reduces risk for lenders, making loans easier to obtain for small business owners.

Maximum loan amount: 7a Express allows loans and lines up to $500,000, other SBA programs are available for higher amounts.

Interest rates: Fixed for term loans and variable for lines of credit.

Get Ready to Fund Your Business Growth

Explore our SBA lending options today and take the first step toward securing affordable, long-term financing for your small business. Have questions? Contact us to speak with one of our SBA lending specialists.

What are Small Business Administration (SBA) Loans?

SBA loans are government-backed financing programs specifically designed to support small businesses. These loans provide accessible and affordable funding options for entrepreneurs.

These benefits make SBA loans a popular choice for business owners looking to start, grow, or expand their operations.

Eligible use of proceeds may be used to:

Purchase equipment, fixtures, leasehold improvements
Working capital
Refinance debt for compelling reasons
For inventory or starting or purchasing a business.

Who Qualifies for an SBA Loan?

SBA loans are designed to support small businesses that meet specific eligibility criteria:

Cash Flow: Businesses must generate sufficient cash flow to repay the loan.
Size Standards: Must meet the SBA’s size standards based on industry and revenue.

In addition, a business must be registered with State of Hawaii Department of Commerce and Consumer Affairs and operating at the time of application.

This program is not applicable for non-profit organizations (other financing available, inquire at a CPB branch near you).

More small businesses bank on us

CPB outpaced all other Hawaii financial institutions combined in the number of SBA loans provided in 2024, solidifying its position as the champion for small business growth in the state.

In 2024, CPB demonstrated its unwavering commitment to Hawaii’s small business community by:

Approving 113 7(a) loans, totaling more than $9.5 million to deserving small businesses.
Leading Hawaii and Guam in SBA 504 loan approvals with three successful transactions.
Providing the most loans to Veteran Owned Businesses.
Facilitating small business growth through the loans which were used for purchasing equipment, expansion, inventory, working capital and other eligible business purposes.