SBA lending by metro area
SBA lenders in Kapaa, HI
Which lenders fund Kapaa-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 Kapaa area
Ranked by SBA volume funded to businesses located in the Kapaa micropolitan 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 | 42 | $15.7M | $374K | not reported |
| 2 | Gather FCU | 62 | $10.3M | $167K | 1.61% |
| 3 | Live Oak Banking Company | 6 | $4.9M | $821K | not reported |
| 4 | Central Pacific Bank | 64 | $2.5M | $39K | 6.25% |
| 5 | Celtic Bank Corporation | 6 | $2.0M | $326K | not reported |
| 6 | Bank of Hawaii | 19 | $1.9M | $100K | not reported |
| 7 | First Hawaiian Bank | 15 | $1.7M | $115K | not reported |
| 8 | BayFirst National Bank | 7 | $1.3M | $182K | not reported |
| 9 | American Savings Bank, National Association | 27 | $1.1M | $43K | 14.81% |
| 10 | Northeast Bank | 6 | $458K | $76K | 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 Kapaa compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kapaa area | $50K | 14.8% ▲ 2.9 pts |
| Hawaii | $50K | 11.8% |
| United States | $179K | 11.2% |
What gets funded in Kapaa
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 52 | $17.7M |
| Retail Trade | 32 | $9.5M |
| Manufacturing | 21 | $5.5M |
| Construction | 52 | $5.3M |
| Health Care and Social Assistance | 23 | $4.5M |
| Arts, Entertainment, Recreation | 13 | $4.3M |
| Other Services | 19 | $3.8M |
| Administrative and Support | 26 | $2.9M |
SBA lending in Kapaa by year
Geography, precisely
"Kapaa area" here means the Kapaa, HI micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Kauai 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.