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Business Express Term Loan as low as

7.99%
Annual Percentage Rate (APR).1

with automatic payment from a CPB Business Checking Account

OR

8.99%
Annual Percentage Rate (APR).1

without automatic payment from a CPB Business Checking Account

Interest rates for loans that require SBA guaranty will range from 9.00%-11.75%.2
Apply at your nearest branch, or fill out the form below for more information.

Barista holding large cup of coffee over head

Business Express Term Loan as low as

7.99%
Annual Percentage Rate (APR).1

with automatic payment from a CPB Business Checking Account

OR

8.99%
Annual Percentage Rate (APR).1

without automatic payment from a CPB Business Checking Account

Interest rates for loans that require SBA guaranty will range from 9.00%-11.75%.2
Apply at your nearest branch, or fill out the form below for more information.

Barista holding large cup of coffee over head

5-year fixed rate for loan amounts up to $250,000.

  • Apply now before rates go up
  • Up to $125 application fee waived1

For loan amounts up to $50,0001:

  • Conditional approval in 3 business days
  • No financials required

Interest rates for loans that require SBA guaranty will range from 9.50%-12.25%.2

Contact your business banking officer or visit your nearest branch to apply. For more information, fill out the form below.

 

 

Call us at 808-544-0500 or toll-free at 1-800-342-8422.

As low as
7.99% APR1

with automatic payment from a CPB Business Checking Account

As low as
8.99% APR1

without automatic payment from a CPB Business Checking Account

Between
9.50%-12.25% Interest Rate1

Interest rate requiring SBA guaranty

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.

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.

Forbes 2024 Best-in-State Banks Award

1. 7.99% Annual Percentage Rate (APR) fixed rate for five years and $125 application fee waiver valid for applications received between 8/26/2024 and 10/25/2024 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 8.99% to 9.07% 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. 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 8.04% to 8.07% with minimum monthly payments automatically debited from a Central Pacific Bank business checking account or 9.04% to 9.07% without minimum monthly payments automatically debited from a Central Pacific Bank business checking account. 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. Financials are required if (a) the requested loan amount plus all other business credit facilities of the applicant business and guarantor(s) committed or booked by Central Pacific Bank within the last 90 days is greater than $50,000; or (b) the requested loan amount plus all existing Central Pacific Bank business credit facilities of the applicant business and guarantor(s) exceed $100,000 financial documents would be required. 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 with lower Small Business Scoring Service (SBSS) scores, businesses in high-risk industries, and start-ups, and loan will be subject to the bank’s current interest rate, which, as of 8/1/2024, can range from 9.00% - 11.75%.