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HI
Last updated: July 11, 2025
Hawaii Business Funding Guide
Hawaii presents unique challenges for SBA lending in 2025, with geographic isolation contributing to slower loan processing and limited lender availability. Average SBA loan sizes hover around $450,000, mostly serving businesses in tourism, hospitality, and retail. Honolulu leads in access, but many entrepreneurs rely on hybrid financing options or niche programs to get a business loan in this state.
1,416,589
Population
465000
Avg. Funding Amount
Tourism
Business Climate
3
Major Cities
Major Business Centers
Honolulu
Hilo
Kailua
Top Business Funding Topics for Hawaii
Essential reading for Hawaii entrepreneurs seeking business funding
Merchant Cash Advance
#1
Everything you need to know about merchant cash advances, including how they work, costs, benefits, and alternatives - Specifically tailored for Hawaii businesses and market conditions.
12 min read
Read Guide