HawaiiUSA FCU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by HawaiiUSA FCU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 485310 | Taxi and Ridesharing Services | 19 | $327K | $17K | 6.3% |
| 532111 | Passenger Car Rental | 18 | $297K | $16K | 5.9% |
| 485999 | All Other Transit and Ground Passenger Transportation | 14 | $307K | $22K | 4.6% |
| 722511 | Full-Service Restaurants | 13 | $343K | $26K | 4.3% |
| 561720 | Janitorial Services | 12 | $344K | $29K | 3.9% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 12 | $293K | $24K | 3.9% |
| 621210 | Offices of Dentists | 10 | $1.1M | $108K | 3.3% |
| 561520 | Tour Operators | 10 | $270K | $27K | 3.3% |
| 484110 | General Freight Trucking, Local | 9 | $207K | $23K | 3.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 9 | $980K | $109K | 3.0% |
Geographic Distribution
SBA lending activity for HawaiiUSA FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Hawaii (HI) | 303 | $9.8M | 99.7% |
| Maryland (MD) | 1 | $20K | 0.3% |
Why Choose HawaiiUSA FCU?
Based on SBA 7(a) lending track record from 2015-2018
- ✓Proven Track Record: 304 SBA loans approved, totaling $9.8M in financing
- ✓Industry Expertise: Specialized focus on Taxi and Ridesharing Services, Passenger Car Rental, All Other Transit and Ground Passenger Transportation
- ✓Competitive Terms: Average interest rate of 4.56% with flexible term lengths averaging 71 months
- ✓Loan Range: Loan sizes from $5K to $200K, with an average of $32K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in HI, MD
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about HawaiiUSA FCU SBA lending
What types of businesses does HawaiiUSA FCU typically finance?
HawaiiUSA FCU specializes in SBA 7(a) lending to specific industries including taxi and ridesharing services, passenger car rental, all other transit and ground passenger transportation, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are HawaiiUSA FCU's typical SBA loan terms?
HawaiiUSA FCU's SBA 7(a) loans typically feature an average interest rate of 4.56% and average term length of 71 months (approximately 6 years). Loan sizes range from $5K to $200K, with an average loan size of $32K.
Do I need a business valuation for a HawaiiUSA FCU SBA loan?
Yes, HawaiiUSA FCU typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does HawaiiUSA FCU compare to other SBA lenders?
HawaiiUSA FCU has originated 304 SBA loans totaling $9.8M since 2015. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does HawaiiUSA FCU lend in?
HawaiiUSA FCU provides SBA 7(a) financing with particularly strong presence in HI, MD. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
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