SBA lending by metro area
SBA lenders in Kahului, HI
Which lenders fund Kahului-area businesses, how much, and how the market compares with Hawaii: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Kahului area
Ranked by SBA volume funded to businesses located in the Kahului metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | HEDCO Local Development Corporation | 102 | $50.2M | $493K | not reported |
| 2 | Live Oak Banking Company | 5 | $11.5M | $2.3M | not reported |
| 3 | First Hawaiian Bank | 76 | $10.0M | $132K | 5.26% |
| 4 | Central Pacific Bank | 176 | $8.6M | $49K | 5.68% |
| 5 | Mortgage Capital Development Corporation | 9 | $6.4M | $714K | not reported |
| 6 | Bank of Hawaii | 65 | $5.6M | $86K | 1.54% |
| 7 | HawaiiUSA FCU | 92 | $3.0M | $33K | 0.00% |
| 8 | American Savings Bank, National Association | 68 | $2.9M | $43K | 10.29% |
| 9 | Northeast Bank | 11 | $2.5M | $225K | not reported |
| 10 | BayFirst National Bank | 12 | $1.8M | $146K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Kahului compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kahului area | $50K | 16.5% ▲ 4.7 pts |
| Hawaii | $50K | 11.8% |
| United States | $179K | 11.2% |
What gets funded in Kahului
| Industry | Loans | Total funded |
|---|---|---|
| Construction | 119 | $23.2M |
| Retail Trade | 92 | $15.2M |
| Professional and Technical Services | 53 | $14.5M |
| Accommodation and Food Services | 93 | $14.3M |
| Health Care and Social Assistance | 64 | $13.5M |
| Transportation and Warehousing | 56 | $12.7M |
| Manufacturing | 30 | $8.6M |
| Arts, Entertainment, Recreation | 22 | $8.6M |
SBA lending in Kahului by year
Geography, precisely
"Kahului area" here means the Kahului-Wailuku, HI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Kalawao County, HI; Maui County, HI. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.