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

Loan Options

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




$10,000 to $250,000

5-8% APR

2% processing fee

Up to 7-year term

​Hawaiian Homestead Construction Loan


$25,000 to $500,000

5-8% APR (interest-only payments)

1.5% processing fee

Up to 15-month term

​​Debt Consolidation



$10,000 to $25,000

5-8% APR

2% processing fee

Up to 5-year term

Home Repair



$10,000 to $25,000

5-8% APR

2% processing fee

Up to 7-year term

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.

Who's eligible?

Residents of the State of Hawai'i​

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

kainlau surf shop inside .jpg
kainalu surf shop.png

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