SBA loans to sit-down restaurants in Hawaii
Short answer
SBA's loan file shows 53 loans to sit-down restaurants in Hawaii since October 2019. 79.2% went to businesses more than two years old, against 43.8% nationally. 64.2% went through SBA Express, against 31.1% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 53
- median loan
- $75,000
- dollars approved
- $17.31M
- went to firms over 2 years old
- 79.2%
These are the 53 SBA 7(a) loans to sit-down restaurants in Hawaii approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Hawaii differs from the U.S.
What this means for you. Most of these loans went to businesses with more than two years of history, so an operating record is what lenders in Hawaii usually saw.
Established businesses
79.2% of the loans in Hawaii went to businesses more than two years old, against 43.8% nationally.
SBA Express
64.2% of the loans in Hawaii went through SBA Express, against 31.1% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $75,000 in Hawaii, less than half the national median of $274,500.
The middle half of loans in Hawaii ran from $50,000 to $250,000. Nationally the middle half ran from $84,000 to $661,100.
We compared 6 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure.
Hawaii next to the U.S.
| Measure | Hawaii | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 6.2% | 4.5% | No clear gap |
| Median loan | $75,000 | $274,500 | Clearly lower |
| Middle half of loans | $50,000 to $250,000 | $84,000 to $661,100 | – |
| Startups (the loan opens the business) | Fewer than 5 | 25.7% | n/a |
| In business 2 years or less | 11.3% | 16.4% | No clear gap |
| In business more than 2 years | 79.2% | 43.8% | Clearly higher |
| Change of ownership | Fewer than 5 | 13.3% | n/a |
| SBA Express | 64.2% | 31.1% | Clearly higher |
| Lines of credit | 28.3% | 17.9% | No clear gap |
| Median term | 5 years | 10 years | – |
| Median spread over Prime at approval | 2.75 points over Prime | 2.5 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Hawaii
The lender below made 30 of the 53 loans approved October 2019 to June 2026, or 56.6%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Central Pacific Bank | 30 | 56.6% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Sit-down restaurants in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 1,924 |
| Texas | 1,118 |
| New York | 945 |
| Florida | 897 |
| Ohio | 790 |
| Michigan | 584 |
| Georgia | 580 |
| Pennsylvania | 546 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to sit-down restaurants in Hawaii. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/full-service-restaurants/hawaii/
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