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

loan options

Business & Non-Profit Loans

  • Up to $250,000

  • 5-8% APR

  • 2% processing fee

  • Up to 5-year term

Consumer Home Repair/Renovations Loans

  • Up to $25,000

  • 5-10% APR

  • 2% processing fee

  • Up to 5-year term

Homestead Home Construction Loans

  • Up to $400,000

  • 5% APR

  • 2% processing fee

  • Up to 15-month loan


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


required documents

Please upload the following documents in the online application to be considered:

Small Business & Non-Profit Loans

  •  (2) Years Federal Corporate Tax Returns

  • Current Income, Balance Sheet, and Cash Flow Statement

  • Business plan and/or business projection

  • Business Owner Identification (Driver’s License, State ID, Military ID, etc)

Consumer & Home Loans

  • Verification of Income (2 years Tax Returns; pay stubs most recent 60 days; other income evidence if applicable)

  •  (2) months most recent bank statement

  • Personal Identification (Driver’s License, State ID, Military ID, etc)

  • For Home Renovation or Construction: estimated invoice from contractor

surf shop inside pt.3.jpg

Kainalu Surf Shop 

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.

Visit their webpage at 

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