At a glance
From its website, read 2 Nov 2026Council for Native Hawaiian Advancement is a loan fund based in Kapolei, Hawaii. Its website describes small-dollar emergency loans, energy-efficiency loans, microloans and 1 other loan type. Stated loan amounts run from $500 to $250,000. The business loan rate it states is 8%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (808) 596-8155 source |
|---|---|
| loanfund@hawaiiancouncil.org source | |
| Apply online | Page with the application link |
| Website | www.hawaiiancouncil.org |
| Office (official list) | 91-1270 Kinoiki St., Bldg. 1, Kapolei, HI 96707 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Small-business loans | Rate: up to 8% | Interest rate up to 8.00% | source |
| Credit-builder loans | Term: see their wording | Up to 30 Months | source |
| Small-business loans | Term: up to 7 yr | Up to 7-year term | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Training or counseling required
Complete a Financial Empowerment course
source - Business plan required
Business plan
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 91-1270 Kinoiki St., Bldg. 1, Kapolei, HI 96707 Directions (Google Maps) |
| Website | www.hawaiiancouncil.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The Koa Credit Builder Loan application portal is temporarily suspended, so that product was left out. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | $500 – $500 | If you qualify, you’ll receive a $500 loan to use for your needs. | source |
| Energy / solar / efficiency loans | — | is a financing program designed to mitigate the impact of the expiring federal solar tax credits for eligible homeowners that features: | source |
| Microloans | up to $50,000 | The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand. | source |
| Small-business loans | $10,000 – $250,000 | $10,000 to $250,000 | source |
Loan sizes
The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand.
source$10,000 to $250,000
sourceIf you qualify, you’ll receive a $500 loan to use for your needs.
source
Range used for the size filter: $500 to $250,000
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
providing access to loan capital, financial education, and individualized financial counseling services for Hawaiʻi-based small businesses, non-profit organizations and low and moderate-income families.
source - Nonprofits
providing access to loan capital, financial education, and individualized financial counseling services for Hawaiʻi-based small businesses, non-profit organizations and low and moderate-income families.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start your application today with the Hawaiian Council GEM$ Residential Homeowner Application.
source
Pages read (7)
- https://www.hawaiiancouncil.org/
- https://www.hawaiiancouncil.org/rent-mortgage-relief-funds/
- https://www.hawaiiancouncil.org/programs/kuhana/
- https://www.hawaiiancouncil.org/programs/cnha-housing-counseling/
- https://www.hawaiiancouncil.org/koa/
- https://www.hawaiiancouncil.org/loans/
- https://www.hawaiiancouncil.org/kupuna/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What is the APR, including fees, on your small-dollar emergency loans and energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.3 million in 10 awards from the U.S. Treasury's CDFI Fund, 2004–2021 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $300,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $585,500 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $700,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $350,000 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $375,000 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $725,000 |
| 2010 | Financial Education and Counseling Pilot Program | $3,150,000 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2004 | Native American CDFI Assistance (NACA), Technical Assistance | $130,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $48.5M |
|---|---|
| Total liabilities | $33.5M |
| Net assets | $15M |
| Total revenue | $52.3M |
| Notes and loans receivable, net (Part X line 7) | $6.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 91-0313383, filed as “COUNCIL FOR NATIVE HAWAIIAN ADVANCEMENT”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $26.2M | $8.4M | $71.5M | $3.4M |
| Sep 2022 (990) | $34.2M | $9.2M | $77M | $4.4M |
| Sep 2023 (990) | $48.5M | $15M | $52.3M | $6.4M |
Total assets grew 85% from Sep 2021 to Sep 2023; notes and loans receivable rose 91%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $48.5M | Larger than 77% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 77% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Kapolei and Hawaii
- HAWAII FIRST FCUCredit union · Kamuela, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- HHOC MortgageLoan fund · Honolulu, HIHome mortgagesVerified
- Hawaii Central Federal Credit UnionCredit union · Honolulu, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Hawaii Community Reinvestment CorporationLoan fund · Honolulu, HICommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Hawaii Federal Credit UnionCredit union · Honolulu, HIAuto / vehicle loans, Personal / consumer loansVerified
- Molokai Community Federal Credit UnionCredit union · Kaunakakai, HI · Native CDFIAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
Work at Council for Native Hawaiian Advancement? Link to this page
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