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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 comprehensive approach to lending, the Loan Fund Program has delivered over $13 million in revolving lending activities by providing capital development and technical assistance to over 450 small businesses, consumers, and households. 

Our Loan Products

  • Small Business Loan

  • SBA Microloan

  • Debt Consolidation

  • Home Repair Loan 

  • Hawaiian Homestead Construction Loan 

Note:  Microloan consideration will take place under Small Business Loan category.  We make an internal decision as to which funding source to utilize based on the applicant’s qualifications and type of business.

Loan Options

The following loan options are available through the Council for Native Hawaiian Advancement Loan Fund:

Small Business Loan

Small Business Loan

Our business lending product serves disadvantaged communities by providing resources to small businesses that lack access to financing.  We offer loans to small businesses for a variety of purposes, which include: 

  • Working capital 

  • Inventory 

  • Supplies

  • Furniture

  • Fixtures 

  • Machinery 

  • Equipment 


To be considered for a Small Business Loan, you must have a minimum personal FICO credit score of 600 and meet all financial requirements listed in the online application portal.  Existing businesses will be required to submit most recent 2-years of personal and business tax-returns, 2-years of Profit & Loss Statements, 2-years of Balance Sheets, a Certificate of Good Standing from the Department of Commerce and Consumer Affairs, and a current Business Plan.  Other documentation and information may be requested throughout the process.


Loan Amount:  $10,000 to $250,000

Interest Rate:   5.00 – 8.00% APR

Loan Fee:          2.00% of Loan Amount

Term Length:   Up to 7-years

SBA Microloan Program

SBA Microloan Program

Designated by the SBA, CNHA is the acting preferred Microlender for the State of Hawaii.  The Microloan Program provides very small loans to start-up, newly established, or growing small businesses and certain not-for-profit childcare centers. Under this program, SBA makes funds available to CNHA (Microlender Intermediary) which, in turn, fund loans to eligible borrowers in amounts up to a maximum of $50,000. The average loan size is about $13,000. Applications are submitted directly to our Loan Fund Program and all credit decisions are made by CNHA.  All borrowers are required to accept and participate in business technical assistance free of charge prior to approval and for the life of the loan. Collateral may be required according to the risk and viability of the business to be financed and all lending is subject to availability of SBA funding.  To apply, please select the “apply” tab under Small Business Loans.


Loan Amount:  $2,500 to $50,000

Interest Rate:   5.00 – 8.00% APR (subject to increase soon)

Loan Fee:          2.00% of Loan Amount

Term Length:   Up to 6-years

Debt Consolidation Loan

Debt Consolidation Loan

Offering Debt Consolidation loans to help borrowers reduce their number of monthly payments and interest rates for existing debt in good standing.  Which will allow for more disposable income and help alleviate households of excessive debt.


A Debt Consolidation Loan can be used to consolidate existing medical bills, unsecured credit cards, unsecured personal loans, and auto loans.  To qualify, you must meet financial requirements and have a minimum FICO credit score of 650.  Also, all debts listed on personal credit report must be in good standing with no late payments in previous 12-months.


Loan Amount:  $5,000 - $25,000

Interest Rate:   5.00% - 8.00% APR

Loan Fee:          2.00% of Loan Amount

Term Length:    Up to 5-years

Home Repair Loan

Home Repair Loan

Providing access to capital for underserved households to repair existing structures in need of improvement.  This product was designed for homeowners seeking to repair, improve, modernize, or remove health and safety hazards.  Applicants must meet all financial requirements and have a minimum FICO credit score of 600.


Loan Amount:  $10,000 - $25,000

Interest Rate:   5.00% - 8.00%

Loan Fee:          2.00% of Loan Amount

Term Length:   Up to 7-years

Hawaiian Homestead Construction Loan

Hawaiian Homestead Construction Loan 

In recognition of current financing challenges, CNHA created a loan product to help stabilize housing and increase asset value by providing upfront construction financing of homes for Dept. of Hawaiian Homelands Beneficiaries. 


To qualify, you must have a current pre-approved take-out mortgage, surety performance bond, course of construction insurance, specifications & building plans appraisal, and a construction contract from a licensed contractor.  During the initial application phase, a CNHA Loan Specialist will go over the requirements needed to be considered for the program.


Loan Amount:  $25,000 - $500,000

Interest Rate:   5.00 - 8.00% APR

Loan Fee:          1.50% of Loan Amount

Term Length:   Up to 15-months

Who's eligible?

Residents of the State of Hawai'i​

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

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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.

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