Business financing in Maui County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Maui County line, Kahului included, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Maui 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.
- 11
- DOORS HERE
- 7
- BASED HERE
- 4
- HI COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 165Kresidents of Maui County
- Covers
- Kahului
- Elsewhere in HI
- Honolulu County →26 doors — the biggest list of any other county in Hawaii
- State
- Hawaii →4 of 5 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Molokai Community Credit UnionOwned 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 State Credit Union- Maui Teachers Credit UnionMinority depositoryPersonal · Home · Business capital
- Valley Isle Community Credit UnionMinority depositoryPersonal · Home · Business capital
- Kahului Credit UnionMinority depositoryPersonal · Home
- Lanai Credit UnionMinority depositoryPersonal
- Maui Credit UnionMinority depositoryPersonal · Home
- IN THIS LIST
1 of the 11 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Molokai Community Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Wailuku Credit UnionMinority depositoryPersonal · Home
Based elsewhere, with a member-facing office inside the Maui County line. You can walk in.
- Aloha Pacific Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaii State Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiian Financial Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiiusa Credit UnionMinority depositoryPersonal · Home · Business capital
- Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
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.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
This guide helps solo contractors and small business owners in Maui County, Hawaii understand their financing options in plain, honest language. It highlights local credit unions, CDFIs, and community lenders who actually serve Maui — not just national programs that are hard to access. Whether you have a Social Security number or an ITIN, there are real pathways here for you. Take your time, compare your options, and never feel pressured to sign anything quickly.
It's a process, not a rejection.
Business financing is money you borrow or receive to start, run, or grow a business. In Maui County, that can mean a loan from a local credit union, a microloan from a nonprofit lender, a line of credit for seasonal cash flow, or a grant from a state or county program.
Maui's economy is shaped by tourism, construction, agriculture, food service, and a growing number of creative and healing-arts businesses. Lenders who work here understand that revenue can be seasonal — high in winter and spring, slower in summer and fall — so many local options are structured with that in mind.
Financing is not one-size-fits-all.
The right product depends on how long you've been in business, what you need the money for, and what you can comfortably repay.
This guide focuses on local intermediaries — the lenders and organizations that are actually present on Maui — because they tend to be more flexible, more culturally aware, and more willing to work with you than large national banks.
Forget what the banks say.
You do not need to be a large company or have perfect credit to qualify for business financing in Maui County. Many local and nonprofit lenders work with:
- 01**Sole proprietors and single-member LLCs**
Landscapers, cleaners, caterers, contractors, drivers, and tradespeople.
- 02**Seasonal businesses**
Tour operators, vacation rental hosts, food vendors, and event vendors whose income rises and falls with tourism.
- 03**Agricultural producers**
Maui has a significant farming community, including taro, diversified agriculture, and specialty crops. The USDA Farm Service Agency (FSA) and local lenders have products tailored to ag businesses.
- 04**Immigrant entrepreneurs and ITIN holders**
Some lenders in Hawaii accept an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. You do not need to be a U.S. citizen to borrow.
- 05**Native Hawaiian-owned businesses**
There are dedicated programs through the Office of Hawaiian Affairs (OHA) and related organizations.
- 06**Post-disaster recovery businesses**
Following the August 2023 Lahaina wildfire, several emergency and recovery financing programs became available specifically for Maui businesses. Some of these remain active.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
Every lender is different, but gathering these documents in advance will make any application smoother:
Identity & Legal Status
- Government-issued photo ID (driver's license, passport, or consular ID)
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Business formation documents (Articles of Organization, DBA certificate, or sole proprietor registration with the State of Hawaii)
Financial Records
- Last 2–3 years of personal and/or business tax returns (IRS Form 1040, Schedule C, or business returns)
- Last 3–6 months of business bank statements
- A simple profit-and-loss statement (your lender may help you create one)
- List of any current debts or obligations
Business Information
- A brief business plan or description of what you do and how you will use the loan
- General Excise Tax (GET) license from the State of Hawaii — this is required for most businesses operating in Hawaii
- Any professional licenses relevant to your trade (contractor's license, food handler permit, etc.)
For Collateral-Based Loans
- Property records or vehicle titles if you are pledging collateral
If you are missing some of these, don't give up. Many CDFIs and nonprofit lenders will help you get organized before you apply.
The doors worth knowing.
These are the organizations most likely to actually work with Maui County small businesses.
ALL 11 DOORS, BY NAME AND BY TOWN- 11
- DOORS HERE
- 22
- ACROSS HI
Based in Honolulu, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Honolulu, Hawaii. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is a minority depository.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Honolulu, Hawaii. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Honolulu, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
Not every lender has your best interest in mind. Here are warning signs to watch for, especially in Maui's post-disaster lending environment where some bad actors have tried to take advantage of struggling business owners:
Merchant Cash Advances (MCAs)
MCAs are not loans — they are a purchase of your future revenue. They often carry effective interest rates of 40%–150% or more. The daily or weekly repayment structure can quickly drain your cash flow. Avoid unless you fully understand the true cost and have no better option.
Pressure to Sign Quickly
No legitimate lender will tell you that a deal expires in 24 hours or that you must sign today. Take your time. Read everything. Ask questions.
Upfront Fees Before You Receive Money
Legitimate lenders may charge application or origination fees, but these are typically disclosed clearly and deducted from your loan proceeds — not collected upfront in cash, gift cards, or wire transfers.
Loan Brokers Without Transparency
Some brokers earn commissions by placing you with the most expensive lender, not the best one for you. If a broker is involved, ask who pays them and how much.
"Guaranteed Approval" Promises
No lender can legally guarantee approval before reviewing your application. This phrase is a red flag.
Blank Documents
Never sign a document that has blank spaces, even if you are told they will be filled in later.
Disaster Loan Scams
After the Lahaina fire, scammers posed as grant programs or SBA representatives. The real SBA never charges fees for loan applications. If someone asks for payment to access SBA or government programs, walk away and report it to the SBA's Office of Inspector General: 1-800-767-0385.
If something feels wrong, trust that feeling. The Hawaii SBDC and local CDFIs can review a financing offer with you at no cost before you commit.
Everything below is set by Hawaii, and it reads the same in every county in it. The 11 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Doing business in Hawaii comes with some specific requirements that affect your financing readiness:
General Excise Tax (GET) License
Hawaii does not have a traditional sales tax. Instead, businesses pay a General Excise Tax on gross revenue. You must have a GET license from the Hawaii Department of Taxation before most lenders will work with you. GET licenses are available online at tax.hawaii.gov. Maui County businesses may also owe a 0.5% county surcharge on top of the state GET rate.
Business Registration
All businesses operating in Hawaii must register with the Hawaii Department of Commerce and Consumer Affairs (DCCA) Business Registration Division. Sole proprietors operating under their own name may be exempt, but check first.
Contractor Licensing
If you are a contractor in the trades (construction, electrical, plumbing, HVAC), you must be licensed by the Hawaii Contractors License Board. Some lenders — especially those offering equipment or working capital loans to contractors — will ask to see your license.
Transient Accommodations Tax (TAT)
If your business involves short-term rentals or tourism accommodations, you must also register for and collect the Transient Accommodations Tax.
State Financing Programs
— Administered by DBEDT, this program provides loans to small businesses that cannot access conventional financing. Income and size limits apply.
— For tech and innovation businesses, HTDC offers grant and loan programs.
— Low-interest loans for Native Hawaiian entrepreneurs. Income and eligibility guidelines apply.
The short version.
- 01
Here is the short version of everything in this guide:
- 02
1. You have real options in Maui County, whether you have perfect credit, no credit, an SSN, or an ITIN. Start with local organizations — Maui County Federal Credit Union, the Hawaii SBDC at UH Maui College, MEDB, and CDFIs like Accion Opportunity Fund or Kiva.
- 03
2. Get your paperwork in order first. At minimum: your GET license, your tax returns, a few months of bank statements, and your business registration. If you need help organizing these, the SBDC will help you for free.
- 04
3. SBA programs are useful context, but you access them through local lenders — not directly through the SBA. Ask your credit union or CDFI if they are an SBA-approved lender.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN MAUI COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MAUI COUNTY →4HI COUNTIES WITH DOORSThe whole stateEvery county in Hawaii, in this same lane.22 institutions fund small businesses inside Hawaii county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.