Business financing in Honolulu County.

County-by-county financing guides. No paperwork. No social. No ID.

23 institutions are headquartered inside the Honolulu County line, Honolulu included, and 3 more keep a branch here. Below, we say which is which.

See the 26 doors Ask a question

Not this lane? Home FinancingPersonal Financing

In this county26DOORS INSIDE THE COUNTY LINE

23HEADQUARTERED HERE

15FUND THIS LANE HERE

5OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Honolulu County.

The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.

THE MAP OF DOORSHawaii

Honolulu County

26: DOORS HERE
23: BASED HERE
4: HI COUNTIES WITH DOORS

At a glance

Lane: Business Financing
County: Honolulu County · 1.0M residents
State: Hawaii →
Covers: Honolulu
Institutions: 2926 inside the county line · 23 headquartered here

LEER ESTO EN ESPAÑOL

No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Honolulu County23

Aloha Pacific Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Council for Native Hawaiian AdvancementSBA microlenderKapolei · CDFI loan fund
Community lending · Business capital
Hawaii Credit UnionCDFI-certifiedMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Hawaii Central Credit UnionCDFI-certifiedMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Hawaii Habitat for Humanity AssociationHonolulu · CDFI loan fund
Community lending · Business capital
IN THIS LIST
5 of the 29 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Hawaii State Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Hawaiian Financial Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Hawaiiusa Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital

Show the other 15Show fewer

HHOC MortgageHonolulu · CDFI loan fund
Community lending · Business capital
Honolulu Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Lokahi Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
University of Hawaii Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home · Business capital
Ewa Credit UnionMinority depositoryEwa Beach · Credit union
Personal
Hawaii Law Enforcement Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home
Hawaii Schools Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home
Hawaiian Electric Employees Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home
Honolulu Fire Department Credit UnionHonolulu · Credit union
Personal · Home
Hotel and Travel Industry Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home
Kahuku Credit UnionMinority depositoryKahuku · Credit union
Personal
Local Union 1186 Ibew Credit UnionMinority depositoryHonolulu · Credit union
Personal · Home
Pearl Hawaii Credit UnionMinority depositoryWaipahu · Credit union
Personal · Home
Schofield Credit UnionMinority depositoryWahiawa · Credit union
Personal · Home
Waialua Credit UnionMinority depositoryWaialua · Credit union
Personal · Home

Keeps a branch in Honolulu County3

Based elsewhere, with a member-facing office inside the Honolulu County line. You can walk in.

I.l.w.u. Credit UnionLong Beach · Credit union
Personal · Home · Business capital
Matanuska Valley Credit UnionPalmer · Credit union
Personal · Home · Business capital
Operating Engineers Local Union #3 Credit UnionLivermore · Credit union
Personal · Home · Business capital

National — works with an ITIN3

Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal

NO SOCIAL SECURITY NUMBER

3 of these doors accept an ITIN.

They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

A worn carpenter's bench at first light, hand tools and gloves laid out — OPEN DOORS IN HONOLULU COUNTY19 minority depositories

THE GUIDE

This guide helps solo contractors, small business owners, and real-estate investors in Honolulu County understand their financing options — from local credit unions and CDFIs to ITIN-friendly lenders and state programs. Federal programs like SBA loans are available, but the real power is in knowing which local organizations can actually sit down with you, understand your business, and walk you through the process. Honoluluʻs island economy has unique strengths and constraints that shape which lenders are a good fit. Take your time, compare your options, and never feel pressured to sign anything quickly.

WHO SAYS YES HERE

5CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Council for Native Hawaiian Advancement · Hawaii Credit Union

23Credit unions

Owned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.

Aloha Pacific Credit Union · Hawaii Credit Union

FROM HERE

Same county, another question.

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN HONOLULU COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HONOLULU COUNTY →4HI COUNTIES WITH DOORSThe whole stateEvery county in Hawaii, in this same lane.23 institutions fund business financing inside Hawaii county lines.OPEN THE STATE →

The Hawaii counties with the most doors of this kind

Maui County6 doors Hawaii County5 doors Kauai County5 doors

Across the network

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions