Loan Census Banking News and Information
March 29, 2024  
 
 
  Business Loan Information  
 

Small Business Lenders in Wahiawa, Hawaii

 
Loan Census SBA Loan Info

Looking for a Wahiawa, Hawaii small business loan? We were annoyed by how hard it was to find city-specific small business lenders so we created this page just for you.

If you are looking for a small business loan and your business is based in Wahiawa, Hawaii, we've assembled a list of local small business banks that you should contact.

Business Loan Providers for Wahiawa Businesses

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

Small Business Bank Recent SBA Loans
American Savings Bank, FSB
Honolulu, HI
1
Bank Of Hawaii
Honolulu, HI
5
Business Loan Center, LLC
Panama City Beach, FL
3
Capital One
Mclean, VA
2
Central Pacific Bank
Honolulu, HI
2
Innovative Bank
Oakland, CA
3
Superior Financial Group, LLC
Walnut Creek, CA
2

Business Loan Advice for Wahiawa Businesses

Prior to contacting banks for a loan, you will need to determine exactly what size loan you will be asking for.

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 how you plan to pay the money back to the bank.

Being able to present a well-written business plan is essential. If the 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, you will likely be asked to pledge your personal assets, such as stocks and bonds that you might own or life insurance policies. 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. Prior to visiting local banks, 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.

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