Mahi ‘Ai Business Loan

Some uses of the loan:

Establish or expand your small agricultural business; working capital for produce and livestock; available for a broad spectrum of farming methods; including in-ground or above-ground farming, greenhouse, hydroponic, and more.

Loan Amounts:

$2,500 – $100,000 (Loan amounts over $50,000 require non-real estate collateral)

Rates & Terms

  • 4.00% APR
  • Up to a 7-year term
  • Up to 6 months loan deferment

Eligibility Requirements

  • 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

Loan Document Checklist

ALL members of the business must be of Native Hawaiian ancestry and provide the following documents:

  • 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.

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.

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) 594-1835,, or contact your OHA neighbor island office.


To ensure your loan application is processed in a timely manner, we highly recommend submitting your loan application once you have prepared all required documents and are ready to upload the documents to the online loan application. If you submit a completed application (all required documents provided) your loan processing wait time will be significantly shorter.  MAHALO

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