Hua Kanu Business Loan

The Hua Kanu Business Loan Program is available to Native Hawaiians who own established business. Created on July 17, 2013, the low-cost loans are intended to help these small-businesses expand. It is meant to provide them access to credit and capital that allow them to grow as well as remain financially viable.

Some uses of the loan:

  • Purchase equipment or inventory
  • Working capital


$150,000 – $1,000,000

Rates & Terms

  • Applications will be processed on a first come, first served basis
  • OHA refers potential loan applicants to a technical assistance provider that guides applicants in completing the loan application packet
  • There are certain activities for which loan monies cannot be used
  • Note: The OHA Hua Kanu Business Loan is NOT the OHA Mālama Loan
  • 7-year loan term; interest rate is 4.00% APR


  • All Principals must be U.S. Citizens
  • All Principals must be Hawaii Residents
  • Principals must be Native Hawaiian: verified by current OHA Hawaiian Registry card


  • Business Plan
  • Verification of Collateral – The loan-to-value ratio must not exceed 100% [acceptable collateral includes real estate (100% assessed value), equipment (100% assessed value), receivables, inventory, purchase orders and contracts may be considered]
  • Tax Returns – 1 to 3 years of business tax returns may be required depending on the size of the loan requested
  • Financial pro forma for a period of 2 to 3 years
  • Certificate of Good Standing from DCCA
  • Verification of being an eligible applicant
  • Verification that the loan proceeds will not be used for unallowable activities
  • Other items as may be required by the bank, OHA, or the technical assistance provider

Unallowable Loan Activities

  • Investing in high-interest accounts
  • Certificates of deposit (CODs) or other investments
  • Relending of the loan amount by the borrower
  • Purchasing land or buildings
  • Constructing buildings
  • Purchasing or financing equity in private businesses


To inquire about a Hua Kanu loan, please contact us at (808) 470-0867,, or contact your OHA neighbor island office.