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


$200,000 – $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.
  • Seven-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
  • Type of Business Entity and Proof of Eligibility (more details available here).
  • Certain documentation is required to be submitted at time of application.
  • Some types of businesses are ineligible. For more detail, download this information sheet.

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) 594-1924,, or contact your OHA neighbor island office.

Click here for the required documents list.