our purpose

The Council for Native Hawaiian Advancement (CNHA) is a Hawaii member based non-profit organization with over 400 members of non-profit and for-profit businesses. We are a Certified Native Community Development Financial Institution (CDFI) and a Certified HUD-Housing Counseling agency cultivating community loan funds to catalyze capacity building and promotion of minority-owned asset advancement towards financial sustainability and community contribution.

In alignment with it's mission, CNHA facilitates a $9 million dollar Loan Fund providing access to loan capital, financial education, and individualized financial counseling services for Hawaii-based small businesses, non-profit organizations and low and moderate-income families.

Our Loan Products

  • Payroll Protection

  • SBA MicroLoan

  • Interim Construction

  • Micro Business

  • Small Business

  • Non-profit

  • Consumer

Paycheck Protection Program

 CNHA is now welcoming Paycheck Protection Program applications from individual small business owners operating as a sole proprietor, independent contractor, self-employed individual, or single member LLC. Applications will be closing on May 14, 2021, so interested applicants are encouraged to apply before then. For any questions about the PPP loan, please contact us at

Low Interest Rate

  • 1% fixed APR for the life of the loan


Payment Deferral

  • Payments deferred for 10 months


Loan Forgiveness

  • On all qualified business expenses


Here’s what you’ll need to be eligible for a PPP:

  • Demonstrate at least a 25% reduction in gross receipts in any quarter of 2020 relative to the same quarter in 2019

  • Employ fewer than 20 employees

  • Business operating in the State of Hawaiʻi 

For more information call our loan department at 808-529-1620

SBA Microloan Program

Starting March 1, 2021 CNHA will be accepting loans from $2,500 to $50,000 without a capital contribution from the client. SBA Microloans are oriented to acquisition of inventory, materials, furniture and commercial equipment, improvements to physical plant and working capital. We provide business technical assistance free of charge for the life of the loan. Collateral may be required according to the risk and viability of the business to be financed. Lending is subject to availability of SBA funding.

Low Interest Rate

  • 5-8% fixed APR for the life of the loan plus 2% processing fee

Use of Funds

  • Starting a new business

  • Working capital to buy inventory or supplies

  • Covering payroll or training employees

  • Funding a new marketing strategy

Loan Term

  • Up to six years

For more information call our loan department at 808-529-1620

loan options

Business Loans

  • $10,000 to $250,000

  • 5-8% APR

  • 2% processing fee

  • Up to 5-year term

Home Repair Loans

  • $10,000 to $500,000

  • 5-8% APR

  • 2% processing fee

  • Up to 5-year term

Homestead Construction Renovation Loans

  • $175,000 to $500,000

  • 5-8% APR

  • 2% processing fee

  • Up to 15-month term


who's eligible

  • Residents of the State of Hawai'i

  • Members of CNHA may qualify for lower interest rates or promotional loan products

business loan application >

home repair, renovation or construction loan application >

For more information call our loan department at 808-529-1620

kainlau surf shop inside .jpg

On May 20th of 2020, Kainalu Surf Shop located in Nanakuli Commercial Center had its Grand Opening. Three friends who were born and raised in Nanakuli Homestead who grew up surfing, diving, and boogie boarding shared a dream of providing their community with a one-stop surf shop. They grew up with little to no places to buy surf shorts, diving gear, etc on their side of the island and they felt the need to change that by creating a service-first, affordable Surf Shop.

surf shop shave ice.jpg