SBA by industry · HI
SBA lenders for construction trades in Hawaii
14 lenders made 77 SBA loans to construction trades in Hawaii in the 36 months ending September 30, 2026. Central Pacific Bank made the most, with 50. The typical loan was about $50K.
- Evidence
- SBA 7(a) and 504 loans to construction trades in Hawaii, NAICS 23
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 14
- SBA FOIA,
- SBA loans, 36 months
- 77
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $17.4M
- SBA FOIA,
- Last 12 months
- 14
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for construction trades in Hawaii, https://lender.report/sba-lenders-for/construction-trades/hawaii/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Central Pacific Bank SBA 7(a) record | Bank | Honolulu, HI | 50 | $3.87M | 49 | 1 | 3 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 6 | $1.11M | 6 | 0 | 1 |
| First Hawaiian Bank SBA 7(a) record | Bank | Honolulu, HI | 3 | $710K | 2 | 1 | 0 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 3 | $372K | 3 | 0 | 0 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 2 | $3.30M | 2 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 2 | $1.30M | 2 | 0 | 2 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 2 | $300K | 2 | 0 | 0 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 2 | $300K | 2 | 0 | 0 |
| SmartBiz Bank, National Association SBA 7(a) record | Bank | Northbrook, IL | 2 | $250K | 2 | 0 | 2 |
| 22nd State Banking Company SBA 7(a) record | Bank | Mobile, AL | 1 | $2.80M | 1 | 0 | 0 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 1 | $1.50M | 1 | 0 | 0 |
| Bank of Hawaii SBA 504 record | Bank | Honolulu, HI | 1 | $650K | 0 | 1 | 0 |
| Grow America Fund, Incorporated SBA 7(a) record | Non-bank | New York, NY | 1 | $640K | 1 | 0 | 0 |
| Hawaii State Credit Union | Credit union | Honolulu, HI | 1 | $230K | 0 | 1 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| All Other Specialty Trade Contractors | 14 |
| Plumbing, Heating, and Air-Conditioning Contractors | 14 |
| Electrical Contractors and Other Wiring Installation Contractors | 11 |
| Residential Remodelers | 11 |
| New Single-Family Housing Construction (except For-Sale Builders) | 5 |
| Commercial and Institutional Building Construction | 4 |
| Flooring Contractors | 2 |
| Painting and Wall Covering Contractors | 2 |
| Roofing Contractors | 2 |
| Site Preparation Contractors | 2 |
| Loan size | Loans |
|---|---|
| Under $150K | 53 |
| $150K to $350K | 14 |
| $350K to $1M | 6 |
| $1M to $2.5M | 2 |
| $2.5M or more | 2 |
- SBA lenders recorded 77 loans to construction trades totaling $17.4M in Hawaii in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $50K, with the middle half between $35K and $180K. SBA FOIA,
- 73 were SBA 7(a) loans and 4 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 11.00% on 73 loans. SBA FOIA,
- The median term was 5 years. SBA FOIA,
- Banks and savings institutions made 66 of the loans, credit unions 1, and non-banks 10. SBA FOIA,
- The five most active lenders made 83.1% of the loans. SBA FOIA,
- The three most active lenders were Central Pacific Bank with 50, Readycap Lending, LLC with 6, and BayFirst National Bank with 3. SBA FOIA,
- 53 of the loans were under $150K, and 4 were $1M or more. SBA FOIA,
- The SBA file shows 14 approvals of these loans dated in the 12 months to September 30, 2026, versus 35 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 4 of the 14 lenders are based in Hawaii. The rest are based elsewhere, most often in California, Alabama and Florida. SBA FOIA,
- The most common detailed industry in Hawaii was All Other Specialty Trade Contractors, with 14 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to construction trades in Hawaii
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Hawaii, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 23.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.