our purpose

CNHA is a Native Community Development Financial Institution (CDFI) certified by the US Treasury Department and a HUD-Certified Housing Counseling agency. We provide access to capital, financial education, and individualized financial counseling services with a focus on low and moderate-income families.

In alignment with CNHAʻs mission, the Council facilitates a $5 million dollar Loan Fund to support Hawaii-based small businesses, non-profit organizations and individuals gain access to loan capital.

Our loan products

  • Interim Construction

  • Micro Business

  • Small Business

  • Non-profit

  • Consumer

  • Applicant must be a U.S. Citizen and resident of Hawaiʻi

  • Have a means of paying back the loan


loan options

Micro-Business Loans

  • Up to $5,000

  • 5-8% APR

  • 2% processing fee

  • Up to 5 year term

Small Business & Non-Profit Loans

  • Up to $250,000

  • 5-10% APR

  • 2% processing fee

  • Up to 7 year term

Interim Construction Loans

  • Up to $400,000

  • 5% APR

  • 1.5% processing fee

  • Up to 15 month loan

Consumer Loans

  • Up to $50,000

  • 5-10% APR

  • 2% processing fee

  • Up to 7 year 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 >

consumer or construction loan application >

For more information call our loan department at  808-529-1619


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