Loan Census Banking News and Information
February 1, 2023  
  Business Loan Information  

Small Business Lenders in Aiea, Hawaii

Loan Census SBA Loan Info

Small business loans in Aiea, Hawaii are available. You just need to talk to the right bank.

If you are hoping to get a small business loan and your business is based in Aiea, Hawaii, we've put together a list of local small business banks that you should contact.

Local Aiea Lending Resources

To help you learn more about local small business lenders, here's our list of small business banks in Aiea.

Small Business Bank Recent SBA Loans
Aiea Shopping Center - American Savings Bank  
American Savings Bank - Branches- Aiea  
Bank Of Hawaii 8
Central Pacific Bank 1
First Hawaiian Bank 1

Lenders for Aiea Businesses

This is a list of banks outside of Aiea, Hawaii that have provided SBA loans to Aiea businesses. Some of these may be national banks with local branch locations.

Small Business Bank Recent SBA Loans
American Savings Bank, FSB
Honolulu, HI
Bank Of Hawaii
Honolulu, HI
Capital One
Mclean, VA
Central Pacific Bank
Honolulu, HI
First Hawaiian Bank
Honolulu, HI
Hawaii National Bank
Honolulu, HI
Innovative Bank
Oakland, CA

Business Loan Advice for Aiea Businesses

As a prerequisite to contacting banks to discuss getting a bank loan, you will need to have a specific plan.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, describe what the money will finance, and show your ability to pay the money back to the bank.

Having a business plan is essential. If the bank loan is to for an existing business, you should also have financial statements covering the last three years. In addition, you should itemize what collateral you have available to guarantee the loan. Collateral is relevant because banks always want to be prepared for a worst-case scenario in which cash flow from the business does not meet your projections.

If the business has few assets, the bank may ask you to to secure the business with your personal assets, such as the equity in your home. The banks will check on your personal credit history in any case, so hopefully you have good credit history -- you may want to get a copy of your credit history prior to meeting with the banker.

Many of the banks in our list participate in the financial assistance programs available through the SBA. Before meeting with the banker, you may want to get up to speed on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you. Advice on Raising Money

If you are planning on Raising Money, you need to learn as much as you can. If you haven't read it already, we recommend you review 504 Loans.

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