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Central Pacific Bank

Central Pacific Bank offers comprehensive SBA lending solutions tailored to meet the needs of small businesses seeking financial support. With a focus on serving local entrepreneurs, the bank provides various loan programs including the SBA 7(a) and 504, enabling businesses to access capital for growth, equipment, or real estate purchases. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank’s offerings are designed to support a wide range of industries, with a particular strength in serving the healthcare, retail, and manufacturing sectors. Located in Honolulu, they are committed to fostering economic development within Hawaii and beyond, providing flexible financing options and personalized service to help small businesses succeed and expand.

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Lender Type

Commercial Bank

Google Rating

3.9

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and small business financing options, providing support for entrepreneurs looking to grow or expand their businesses.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.

Question 3

What are the hours of operation?

Answer 3

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.

Question 4

Is there a fee to use this?

Answer 4

There are no fees to visit or consult; however, loan application fees and closing costs may apply depending on the financing arrangement.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves residents and small business owners within Hawaii, though some services may be available to out-of-state clients by appointment.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of 640 is generally required, but higher scores increase the likelihood of approval.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Central Pacific Bank

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