The Green Energy Money aver(GEM) Clean Energy Loan Program (CELP) is a financing program designed to mitigate the impact of the expiring federal solar tax credits for eligible homeowners that features:

• Subsidies for new solar and storage installations for eligible applications received beginning October 21, 2026
• Immediate estimated bill savings 
• Elimination of credit barriers 
• Obligation tied to the electric utility meter (not a person) 
• Program Charge payments conveniently made on your monthly electric utility bill 
• Long‑term financing of up to 25 years (for a more cash-flow friendly option) at a below‑market, fixed rate of 5.5% per annum 
• Homeowners must own the system. System owners may be eligible for state tax benefits (consult your tax advisor) 

With the elimination of residential federal solar tax credits, and through the funding support of the Hawaii State Legislature, HGIA is introducing the GEM$ Clean Energy Loan Program, combining HGIA’s inclusive on-bill financing with subsidies for underserved homeowners installing and owning solar PV and storage systems.

The Green Energy Money aver(GEM) On‑Bill Financing Program helps eligible homeowners finance the upfront energy payment on a Prepaid Energy Lease, and features:

• Immediate estimated bill savings
• Elimination of credit barriers
• Obligation tied to the electric utility meter (not a person)
• Program Charge payments conveniently made on your monthly electric utility bill
• Long‑term financing of up to 25 years (for a more cash‑flow‑friendly option) at a below‑market, fixed rate of 5.5% per annum
• Solar + storage installations through approved contractors: Provision Solar, SunSource Power LLC, and Sunspear Energy LLC
• A minimum 15% estimated bill savings requirement

Available to low‑ and moderate‑income Hawaiian Electric, Maui Electric, and Hawai‘i Electric Light customers, GEM$ prepaid lease financing is offered to homeowners through Hawaiian Council, a Participating CDFI. Start your application today with the Hawaiian Council GEM$ Residential Homeowner Application.

The Koa Credit Builder Loan is designed to help community members strengthen their financial foundation and work toward future goals.

By making small, manageable monthly payments, borrowers can establish or improve their credit history, an important step toward qualifying for larger opportunities such as car loans, mortgages, or business financing.

This product empowers individuals to build confidence, financial stability, and a brighter path forward.

If approved, you’ll: 

• Complete a financial empowerment course 
• Receive a $2,500.00 loan 
• Make monthly payments
• Have each on-time payment reported to the credit bureaus to help build your credit 

With the Ama Loan Program, you can possibly:

• Boost your credit score with on-time payments reported to the credit bureaus
• Gain financial skills through a financial literacy course and counseling sessions
• Grow your savings with up to $250 in bonus matching funds
• Rebuild stability after the challenges of the Maui wildfires

If you qualify, you’ll receive a $500 loan to use for your needs. This program is available only to individuals impacted by the August 8, 2023 Maui Wildfires and is limited to the first 100 qualified applicants. Apply early to secure your spot.

Business loans may be used to cover costs such as equipment, improvements, expansion, or start-up capital. The loan amount, interest rate, and term will be determined by the uses and need for the loan, along with the business and individual’s financial circumstances. If you are interested in applying, please click APPLY NOW under Small Business Loan. Businesses must be operating and in good standing in the State of Hawaiʻi to qualify for this program.

• $10,000 to $250,000
• Interest rate up to 8.00%
• Processing Fee up to 3% of the loan amount
• Up to 7-year term
• Most recent 2 years business tax returns
• Business plan

The U.S. Small Business Administration provides funds to specially designated intermediary lenders, which are nonprofit community-based organizations with experience in lending as well as management and technical assistance. These intermediaries administer the Microloan program for eligible borrowers. The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand. The average microloan is about $13,000. If you are interested in applying, please click APPLY NOW under Small Business Loan. Businesses must be operating and in good standing in the State of Hawaiʻi to qualify for this program.