Mālama Business

This is the most popular loan OHA offers that supports Native Hawaiian business owners.

Some uses of the loan:

Establishing or building upon a small business; working capital


$2,500 – $149,999 (Loan amounts over $50,000 require non-real estate collateral)

Rates & Terms

  • 4.00% APR
  • Up to a 7-year term


  • U.S. Citizen
  • State of Hawai‘i Resident
  • Applicant must be of Native Hawaiian ancestry
  • At least 18 years of age
  • Credit score 600 or higher
  • Debt-to-income ratio is no more than 45%
  • Business must be registered with DCCA and in good standing


  • Proof of Hawaiian ancestry: verified by current OHA Hawaiian Registry card
  • Proof of Hawaii residency: driver’s license or state ID
  • 2 years most recent federal tax returns with all schedules
  • 2 years most recent W-2(s) if applicant is working as a wage earner
  • 1 month current consecutive pay stubs if applicant is working as a wage earner
  • Existing business (more than 3 years in business): current YTD profit and loss statement & balance sheet
  • Startup business (less than 3 years in business): current business plan to include 3 year profit & loss forecast statement
  • Document breaking down the use of funds for business working capital
  • If applying for more than $50,000: itemized list of assets to use as collateral (each item valued $5,000+ and can include personal items and business assets such as vehicles, equipment, inventory, accounts receivable, etc.)
  • ALL members of the business must be of Native Hawaiian ancestry and provide the documents listed above

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


Applying for a loan is as easy as 1, 2, 3:

  1. Create a secure user account
  2. Gather your documents
  3. Complete the online application

The process typically takes 20-25 minutes. Once you complete the application, a lending associate will contact you within two business days. Once an application has been approved, documents can be signed and funds disbursed usually within five to eight business days.

Prior to signing the application and submitting, you will have the option to upload the required documents. Please be aware that all documents must be submitted in order for the Loan Officer to process the application.   If you submit a completed application (all required documents provided) your loan processing time will be significantly shorter.

Apply Now

The Loan Portal is compatible with most computers and laptops.  You may experience technical issues when applying with a cell phone or tablet device.  For more information or if you require trouble shooting assistance, please contact us at (808) 594-1888, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

OHA Malama Loans ad (ad content detailed in page text)
Click to download a PDF version of this ad.