GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,519
2010–2026
Total Volume
$111M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
1519 total segments
Central Pacific Bank primarily serves existing businesses, with 63% of their SBA deals focused on this segment. This makes them a strong choice for established companies seeking funding.
With an average 7(a) spread of P+2.59%, Central Pacific Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The bank's growth trend shows a significant decline of 45% year-over-year in deal volume, which may indicate a tightening of lending standards. Borrowers should be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 53 504 loans, which use fixed SBA debenture rates.
States where Central Pacific Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Building Construction
Construction
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Finance & Insurance
Finance & Insurance
Manufacturing
Manufacturing
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Central Pacific Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Hawaii · Restaurants & Food Service · Under $150K | 7(a) | 308 | P+3.75% | $40K | Q3 2025 |
| Hawaii · Specialty Trade Contractors · Under $150K | 7(a) | 186 | P+3.75% | $42K | Q3 2025 |
| Hawaii · Building Construction · Under $150K | 7(a) | 129 | P+3.75% | $35K | Q4 2024 |
| Hawaii · Wholesale Trade · Under $150K | 7(a) | 60 | P+3.75% | $39K | Q1 2025 |
| Hawaii · Administrative & Waste Services · Under $150K | 7(a) | 59 | P+3.75% | $37K | Q3 2025 |
| Hawaii · Finance & Insurance · Under $150K | 7(a) | 49 | P+3.75% | $35K | Q3 2025 |
| Hawaii · Manufacturing · Under $150K | 7(a) | 48 | P+3.75% | $35K | Q2 2025 |
| Hawaii · Real Estate · Under $150K | 7(a) | 45 | P+3.75% | $32K | Q2 2025 |
| Hawaii · Management & IT Consulting · Under $150K | 7(a) | 44 | P+3.75% | $36K | Q3 2025 |
| Hawaii · Other Health Practitioners · Under $150K | 7(a) | 44 | P+3.75% | $31K | Q3 2025 |
| Hawaii · Engineering & Architecture · Under $150K | 7(a) | 42 | P+3.88% | $43K | Q2 2024 |
| Hawaii · Transportation & Warehousing · Under $150K | 7(a) | 42 | P+3.50% | $43K | Q2 2025 |
| Hawaii · Retail Trade · Under $150K | 7(a) | 41 | P+4.00% | $37K | Q1 2025 |
| Hawaii · Personal Care (Salons, Spas) · Under $150K | 7(a) | 30 | P+4.00% | $27K | Q3 2025 |
| Hawaii · Food & Beverage Stores · Under $150K | 7(a) | 27 | P+3.75% | $31K | Q4 2025 |
| Hawaii · Arts, Entertainment & Recreation · Under $150K | 7(a) | 27 | P+3.25% | $34K | Q4 2024 |
| Hawaii · Physician & Dental Offices · Under $150K | 7(a) | 25 | P+3.75% | $52K | Q4 2021 |
| Hawaii · Other Repair & Services · Under $150K | 7(a) | 21 | P+3.75% | $37K | Q3 2025 |
| Hawaii · Information & Media · Under $150K | 7(a) | 20 | P+3.75% | $42K | Q1 2024 |
| Hawaii · Education · Under $150K | 7(a) | 20 | P+3.75% | $31K | Q4 2025 |
| Hawaii · Other Professional Services · Under $150K | 7(a) | 18 | P+3.38% | $36K | Q2 2025 |
| Hawaii · Auto Repair & Maintenance · Under $150K | 7(a) | 17 | P+4.00% | $41K | Q1 2023 |
| Hawaii · Miscellaneous Retail · Under $150K | 7(a) | 15 | P+3.25% | $47K | Q3 2025 |
| Hawaii · General Merchandise · Under $150K | 7(a) | 13 | P+4.25% | $32K | Q1 2022 |
| Hawaii · Agriculture & Forestry · Under $150K | 7(a) | 10 | P+3.75% | $33K | Q1 2025 |
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