A Local Partner for Hawaii’s Business Lending

Commercial & Business Lending dba CBL Lending—has been supporting Hawaii’s business community for more than four decades. Founded with a commitment to increasing capital access across the islands, the firm brings expert knowledge in USDA Farm Service Agency, US Small Business Administration, and USDA Rural Development government-based lending programs, and commercial real estate financing.

Led by Jason T. Okuhama, CBL Lending combines financial expertise with a deep understanding of the challenges and opportunities unique to Hawaii-based businesses. With roots going back to January 2000, the company has grown alongside its clients—helping startups, growing enterprises, and established firms navigate complex lending processes with confidence.

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Decades of Local Lending Experience

Founded and operated in Hawaii, our company understands the unique financial landscape of the islands. We have built strong relationships with local banks and mainland government program lenders, government agencies, and business communities, enabling us to offer insight and guidance tailored to Hawaii’s specific needs. Our team’s experience ensures that clients receive solutions grounded in local knowledge and industry best practices.

Specialists in Government-Backed Business Loan Programs
Hawaii Lending Specialists, LLC has a proven track record in securing USDA Farm Service Agency, US Small Business Administration, and USDA Rural Development government-backed loan programs for our clients. We simplify the application process, provide step-by-step guidance, and maximize your chances of approval. By focusing on these specialized loan programs, we help businesses access capital for growth, expansion, or recovery, supporting long-term success across the islands, that businesses would otherwise not be able to obtain.

A Commitment to Hawaii’s Business Community
We’re proud to serve Oahu, Maui, the Big Island, Kaua‘i and Molokai. Our outreach reflects a belief in supporting businesses statewide, no matter their size or sector. At CBL Lending, every client benefits from personalized service, honest advice, and a team that truly cares about the success of Hawaii’s local economy.

A Track Record of Trusted Support

From agricultural land acquisition, business expansion, business acquisition, start-up businesses, debt refinance, and commercial real estate projects, CBL Lending has built its reputation on successful outcomes and long-term relationships. Our team brings clarity and focus to a space that’s often difficult to navigate, helping clients prepare strong loan packages and negotiate with lenders.

Whether you’re financing expansion, acquiring equipment, or starting up a new business, we offer financing solutions that fit the local business landscape.

Leadership You Can Count On

Jason Okuhama, Managing Partner, has spent his career helping Hawaii businesses grow. His experience spans local financial institutions, over three decades in government-backed loan programs, advisory roles, State Boards, and non-profit organizations. Under his leadership, CBL Lending has become known for its responsive service, financing creativity and practical financing insights.

Serving All Islands

Our team supports entrepreneurs and organizations on O‘ahu, Maui, the Big Island, Kaua‘i, and Molokai—with flexible, relationship-based service tailored to your island’s needs.

Learn more about our team and mission—call to connect.

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