Get on the fast track for the credit you need.
Our small business term loans are designed to help you expand, upgrade equipment, or manage cash flow. With tailored financing solutions, we support your unique business needs. Here’s what we offer:
- Fixed Interest Rates: Enjoy predictable payments with no surprises.
- Fast Approval: Get the funds you need quickly.
- No Prepayment Penalties: Pay off your loan early without extra fees.
- Up to $125 application fee waived3
Ready to grow your business? Explore our term loans today!
5-year fixed rate for loan amounts up to $250,000.
For loan amounts up to $50,0001:
- Conditional approval in 3 business days
- No financials required
For added support, some loans may be backed by an SBA guaranty, helping more businesses move forward -- with rates from 8.75-11.50%.2
Use our new easy online application to take advantage of this low rate.
CPB Business Express
Apply in minutes. The online application is simple and streamlined, with minimal paperwork. So you can get right back to business.
LOCAL EXPERTISE HERE FOR YOU.
Access to personalized support and advice by a team that truly understands the Hawaii market – because that’s where we live and work too.
FAST, EASY APPLICATION PROCESS.
Apply in minutes. The online application is simple and streamlined, with minimal paperwork. So you can get right back to business.
STREAMLINED APPROVAL AND FUNDING.
Funding is typically available within days. We understand that when opportunities arise, you need to act fast.
Know Before You Apply
- Gather Information & Documents. Download PDF Guide.
- Review our additional requirements if your business has been established for 2 years or less.
- Apply Online: Our simple application process takes just minutes to complete.
- Get Approved: After submitting your application, our team will review your business profile and provide a decision.
- Receive Funds: Once approved, the funds are deposited into your account—so you can use them immediately.
- Repay Over Time: Make predictable monthly payments, and enjoy peace of mind with our transparent terms.
Connect with a Banker
Fill out the form and a banker will contact you with more information about our Business Express Term Loans and how to apply.
Call us at 808-544-0500 or toll-free at 1-800-342-8422.
Where People Like Banking
We are committed to serving the people of Hawaii with new points of access and new products – giving our customers more of the bank they love.
1 7.75% Annual Percentage Rate (APR) fixed rate for five years valid for applications submitted between 10/20/2025 and 11/28/2025 and requires minimum monthly payments automatically debited from a Central Pacific Bank business checking account. The interest rate includes a 1.00% discount for establishing minimum monthly payments automatically debited from a Central Pacific Bank business checking account at the time of loan origination. The interest rate will be 1.00% higher and the APR will range from 8.75% to 8.85% without the discount. If the automatic debit is cancelled or the business checking is closed, the term loan will revert to the bank’s current interest rate. Offer of credit is subject to loan application and approval. Offer subject to change or cancellation at any time without prior notice. Other fees and restrictions may apply. Rates listed are applicable for term loans up to $250,000 only. If the requested amount plus all existing CPB business credit facilities (loan balance and line of credit limit) of the applicant business and/or guarantor(s) exceed $50,000, decision times may be longer and the following will be required: 1) Last 2 years’ federal and state income tax returns (including W-2, all schedules, statements, & K-1) of applicant business and all guarantor(s); and 2) Personal Financial Statement of guarantor(s). Contact a Business Banking Officer or nearest branch for more information. Offer is not available for non-profit organizations or businesses with more than $5,000,000 in annual revenue.
2 SBA guaranty will be required for requests for start-ups, and, in some cases, businesses in high-risk industries. If SBA guaranty is required, loan will be subject to the bank’s current interest rate, which, as of 9/23/2025, can range from 8.75% - 11.50%.
3 Waived $125 application fee is valid for applications received 10/20/2025 and 11/28/2025. For loans more than $100,000, the application fee will equal 0.25% of the loan amount, less $125, and result in an APR ranging between 7.81% to 7.84% with minimum monthly payments automatically debited from a Central Pacific Bank business checking account or 8.81% to 8.85% without minimum monthly payments automatically debited from a Central Pacific Bank business checking account.