CNHA Loan Fund

Empowering Hawaiian families and businesses

Our Purpose

Pouring water into the plant out of a wooden gourd

The Council for Native Hawaiian Advancement (CNHA) is a Hawaii member based non-profit organization with over 800 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.

Loan Products

Debt Consolidation Loan

A Debt Consolidation Loan can be used to consolidate unsecured credit cards, personal loans, and existing medical bills. 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. If you are interested in applying, please click APPLY NOW under Debt Consolidation Loan.

Home Repair Loan

A Home Repair Loan may be used to complete smaller projects (under $25,000). Loans range from $10,000 to $25,000, with rates varying from 6% – 9% and terms ranging from 3-5 years. Personal collateral may be required based on loan amount, credit score, and other qualifying factors. If you are interested in applying, please click APPLY NOW under Home Repair Loan.

Home Construction Loan

New home construction, complete remodels/extensions/additions. These loans range from $25,000 to $500,000, not to exceed fifteen (15) months construction period. Must have a pre-approved take-out mortgage letter from a lender prior to applying. Must utilize a licensed and bonded contractor to complete the work described in the construction agreement. If you are interested in applying, please click APPLY NOW under Hawaiian Homestead Construction Loan.

SBA Microloan

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.

Small Business Loan

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.

Loan Options

Featured on CNHA

Latest News Featured Image 01

Statement regarding appointment of Coti Haia as Chief of Staff for Hawaiʻi Senator Mazie Hirono

“The Council for Native Hawaiian Advancement (CNHA) wishes to congratulate Coti Haia on her appointment as Chief of Staff for U.S. Senator Mazie Hirono,” said Kūhiō Lewis, CNHA President and CEO. “We are elated that a Native Hawaiian has been placed in a key leadership role in Washington D.C. …

Latest News Featured Image 02

CNHA stands in strong support of the House’s $600M commitment to HHCA beneficiaries

The Council for Native Hawaiian Advancement (CNHA) applauds the leadership of the House of Representatives – especially Speaker Scott Saiki and Finance Chair Sylvia Luke – for its commitment on Opening Day of the 2022 Legislative Session to appropriate $600 million to increase housing …

What We Do

Rent & Mortgage Relief Thumbnail

Rent & Mortgage Relief

We can help you find the resources you need for your ʻohana to thrive -from mortage to utilities and assistance programs.

Kilohana Collective Thumbnail

Kilohana Collective

Kilohana is a collaborative of complementary change agents committed to fulfilling HTA’s vision and specific directives.

Community Programs Thumbnail

Community Programs

Our community programs work with members of our community to develop the skills and resources needed to thrive.

Membership Thumbnail

Join Our Community

Become a CNHA member to get the opportunity to join other kānaka in lifting, empowering and inspiring our lāhui.

Join our mission and help us provide powerful support for our community to develop and thrive.