BlogRankingStateBest Hawaii SBA Lenders & Rates of 2026

Best Hawaii SBA Lenders & Rates of 2026

February 2, 2026
Ranking, State
1 min read

$31.2M
Total Funded

167
Loans Approved

$187K
Avg Loan Size

10.88%
Avg Interest Rate

27
Active Lenders

SBA Loans in Hawaii

Hawaii businesses received $31.2M in SBA 7(a) loan approvals across 167 businesses in 2025. With 27 active SBA lenders competing for business in Hawaii, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Hawaii is $187K, with rates averaging 10.88%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Top SBA Lenders in Hawaii (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Hawaii businesses:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $4.4M 15 11.10%
2 Central Pacific Bank $3.8M 62 10.78%
3 Northeast Bank $3.8M 24 10.94%
4 First Bank of the Lake $3.7M 4 11.31%
5 Readycap Lending, LLC $3.1M 11 11.82%
6 Live Oak Banking Company $1.6M 4 10.17%
7 Harvest Small Business Finance, LLC $1.5M 1 10.50%
8 Hawaii National Bank $1.0M 4 7.25%
9 22nd State Bank, A Division of 22nd State Banking Company $998K 1 10.25%
10 Celtic Bank Corporation $925K 5 10.95%
11 BayFirst National Bank $869K 7 12.25%
12 CalPrivate Bank $800K 1 10.50%
13 Lendistry SBLC, LLC $792K 5 12.40%
14 Cadence Bank $724K 1 10.00%
15 First Hawaiian Bank $630K 9 9.83%
16 FWBank $490K 1 9.75%
17 First Financial Bank $450K 1 8.15%
18 GBC International Bank $350K 1 9.50%
19 Commonwealth Business Bank $300K 1 9.50%
20 Grasshopper Bank National Association $260K 1 12.00%

🤝 How to Get an SBA Loan in Hawaii

Many top SBA lenders work primarily through approved SBA loan brokers. This is good news for borrowers:

  • Better Match: Get matched with the right lender for your situation
  • Negotiating Power: Broker relationships can result in better rates
  • Time Savings: One application goes to multiple lenders
  • Expert Guidance: Maximize your approval chances

GoSBA Loans works with lenders across Hawaii and can help you access the best loan programs. Our service is completely free to borrowers.

📞 Get Matched with Hawaii SBA Lenders

Ready to apply for an SBA loan in Hawaii? Our team can help you get matched with the right lender and program for your business.

Looking for SBA lenders in other states? GoSBA Loans works with 75+ SBA lenders nationwide. Contact us to get matched with the best lender for your specific business needs.

http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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