Lending Services Built for Hawaii Businesses

At CBL Lending, we help Hawaii-based businesses move forward with capital solutions designed for local needs. Whether you’re looking to purchase commercial or agricultural properties, finance various business purposes, or start-up a business, we are experts in specialized government loan programs and our services are crafted to support growth across all sectors—including agriculture and most small businesses.

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SBA 504 Commercial Real Estate Business Loans

We provide owner-user commercial real estate financing for warehouses, industrial properties, office space, and special-use development across Hawaii. Our team has the expertise to match you with the right loan structure, whether you’re purchasing, refinancing, or expanding your business location. We work closely with local and national lenders to secure competitive rates and terms that fit your goals.
SBA 504 Loan Benefits
– Lower down payment requirements; up to 90% financing
– Competitive interest rates
– Longer repayment terms

SBA 7(a) Business Loans

Our firm specializes in packaging and underwriting SBA 7(a) guaranty loans. Whether you’re purchasing a business or starting up a business, making business renovations, purchasing equipment, buying out a partner, or seeking working capital, we help structure your application, prepare the necessary documentation, and coordinate with SBA-approved lenders for smoother loan approvals.
SBA 7(a) Loan Benefits
– Lower down payment requirements
– Longer repayment terms
– Business acquisitions
– Start-up businesses

Farm & Food Project Funding

Agricultural Lending

We assist Hawaii’s farmers, ranchers, agri-businesses, aquaculture, and food industry projects, in obtaining financing through specialized government loan programs. Whether through USDA Farm Service Agency, Farmer Mac, State of Hawaii Ag loan programs, non-traditional loan programs or USDA Rural Development and SBA loan programs, we work to secure sustainable financing for agricultural development.

Ag Financing Benefits

Lower down payments
Competitive interest rates
Longer repayment terms

These Agricultural loan programs are ideal for business owners looking to expand operations without compromising cash flow.

Rural Development Loans

We assist Hawaii’s for profit and non-profit businesses in obtaining financing through the USDA Rural Development government loan programs. Whether through the Business & Industry or Community Facilities (non-profit) Guaranteed loan programs, we work to secure larger scale financing for the program’s approved business purposes.

Real estate acquisition, equipment financing, and renewable energy
Refinance qualified business debts
Start up projects
Complex credit underwriting guidelines and loan processing
Financing up to $25 million for Business & Industry and $100 million for Community Facilities loan programs

Each comprehensive package is tailored to meet your business’s financial requirements and repayment capacity and meet the Rural Development’s extensive underwriting guidelines.

Activated Carbon Facility — Funding for Hawaii’s Rural Community Facilities

Loan Packaging & Consulting

Navigating the lending process can be challenging. That’s why we provide personalized guidance on:

Comprehensive loan application preparation and loan structuring
Credit underwriting and financial analysis
Lender communications

Our consulting support ensures your proposal is complete, compelling, and ready for loan review and decision.

Loan Solutions

Hawaii Lending Specialists, LLC specializes in structuring and securing government-backed financing consisting of the USDA Farm Service Agency, SBA 504 and SBA 7(a), and USDA Rural Development government loan programs, and non-government loan programs. We guide clients through the process, ensuring their application meets all requirements for these government-backed loan programs.

Business Financing Solutions
The foregoing loan programs can help you with real estate acquisition, improvements, and expansion; equipment financing; business acquisition or start up a business—giving you the flexibility and support your business needs. Our solutions are designed to keep your business moving forward and prepared for new opportunities.

Loan Packaging and Consulting
Navigating loan applications can be complex. Our team offers expert guidance on loan packaging, documentation, and underwriting requirements. We also negotiate with lenders on your behalf, ensuring your application stands out. With our hands-on consulting, you’ll understand every step of the process and have the support needed to secure approval.

Explore your loan options—speak with a lending specialist today.

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