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SBA Economic Injury Disaster Loans

Loan

/

Federal

Hawaii

Grant/Loan Information

Low-interest federal disaster loans are available to Hawaii businesses and residents affected by severe storms, flooding, landslides and mudslides that occurred March 8-18, 2021. SBA offers low interest, long term loans to businesses of all sizes, private non-profit organizations, agricultural cooperatives, homeowners and renters who need help to recover, physically or economically, from the storms. Interest rates are as low as 3 percent for businesses, 2 percent for private non-profit organizations, and 1.25 percent for homeowners and renters. The deadline to return applications for property damage is June. 28, 2021. The deadline for businesses who suffered economic damage to return economic injury applications is Jan. 31, 2022. Virtual Recovery Centers with customer service representatives to help complete applications will open Friday, April 30. Email FOCWAssistance@sba.gov or call (800) 659-2955.



Deadline

Multiple

Energy Advantage lighting retrofits FREE

Grant

/

Hawai‘i, Honolulu, or Maui

Grant/Loan Information

The Energy Advantage by Hawai‘i Energy is a program that provides qualifying participants with lighting upgrades at significantly reduced prices. Projects must be installed by Wednesday, June 30, to qualify for the current round of funding. Visit the program website for more information. You qualify if you are located within Hawai‘i, Honolulu, or Maui counties and are one of the following: A restaurant (free for a limited time), A small business on electric utility billing rate Schedule G (free for a limited time), A small business on a master-metered* electric utility account with a total space less than 5,000 sq.ft (free for a limited time), A common area located in an eligible multifamily housing property. See their website for full details. .

Deadline

06/30/21

Candidate Species Conservation Fund

Grant

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Federal

Nationwide

Grant/Loan Information

This fund supports conservation activities for high priority candidate species or other at-risk species in the US. The goal is to eliminate or reduce identified threats to the species through habitat restoration, research, surveys and monitoring, and educational outreach efforts.

Deadline

9/30/2021

Employment Training Fund

Grant

/

State

Statewide

Grant/Loan Information

This program provides tuition assistance for courses through a list off approved vendors. Employers can apply to this fund on behalf of their employees in order to participate. The goal is to enhance workers’ skill sets for improved job performance and increased chances for future promotions and pay.

Deadline

Year Round

Kiva Loan Program

Loan

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Private

Nationwide

Grant/Loan Information

The Kiva Loan Program provides $1,000-$15,000 loans to small businesses. The loan has up to a 42 month term at 0% APR with a 6 month grace period for agriculture. The loan may be used for working capital or capital expenditures. If the loan is for food and agriculture, The Kohala Center's Hawaiʻi Food Producers Fund will participate up to 50% of the loan amount.

Deadline

Year Round

Paycheck Protection Program Update

Loan

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Federal

Nationwide

Grant/Loan Information

The  newly signed PPP Extension Act of 2021 has extended the Small Business  Administration’s Paycheck Protection Program (PPP) application deadline  from March 31 to May 31. Additionally, the SBA will have until June 30  to process applications. Even if you don’t qualify for full forgiveness,  PPP is a low-risk loan. The loan forgiveness process has also been  simplified and the criteria for forgiveness expanded.


The new COVID relief package  provides $284 billion for additional first- and second-round PPP loans to small businesses and nonprofits. Applicants have between 8-24 weeks to use the funds, and at least 60% of funds must go towards payroll while the rest must go towards eligible expenses such as rent and utilities. New loans are capped at $2 million. Applicants must have no more than 300 employees and demonstrate at least a 25% drop in revenues from the fourth quarter of 2019 to the same period in 2020. However, the type of covered expenses has expanded, now including things such as cloud computing or remote-work software, equipment for government-mandated sanitation and social distancing, and property damage, vandalism, or looting due to public disturbances in 2020. New loan amounts are determined by payroll costs * 2.5, capped at $2 million. Recipients of the first round of PPP loans can still receive a second round, as long as they meet all eligibility requirements. This bill also includes set-asides for small businesses with fewer than 10 employees, those in low/moderate income areas, and funds for small community banks, credit unions and community-based lenders. Though regulations and details are still to come from the SBA and Treasury Department, here is an article of known information and things you can do to prepare. Initial PPP funds and PPP 2.0 funds that have been forgiven will be not considered earned income for tax purposes. This new stimulus package will allow tax deductions for typical, deductible business expenses paid for with the forgiven PPP money. Here is a list of updated PPP FAQs as of March 3rd, 2021.

Deadline

5/31/2021

Hawaii County Community-Based Economic Development Program

Loan

/

Local

Hawaii

Grant/Loan Information

The CBED Program financially assists community based enterprises through providing low cost loans of $25,000 to agricultural producers, manufacturers using agricultural products, and value added agricultural product businesses. For more information, call Wayne Tom at (808) 587-2772, Kevin Yokoyama at (808) 323-7591 (Kona) or Gareth Mendonsa at (808) 933-9977 (Hilo).

Deadline

Unclear

IFundWomen Universal Grant Application

Grant

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Private

Nationwide

Grant/Loan Information

IFundWomen is a funding marketplace for women-owned businesses that provides access to small business grants from corporate partners. IFundWomen has a universal grant application. Once businesses fill out this application, they will be alerted of any new grants that match their business criteria.

Deadline

No Deadline

Pacific Gateway Center’s Job Creation through Agriculture Program

Grant

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Private

Statewide

Grant/Loan Information

This program helps both new and existing agricultural enterprises on Oahu and Hawaii Island by providing access to farmland and micro-loans for low-income farmers, start-up assistance including business plan, promotion and marketing assistance, and education and training on topics such as food safety and regulatory requirements. Language assistance and guidance is also available.

Deadline

Year Round

Hawaii Department of Business, Economic Development and Tourism Loans

Loan

/

State

Statewide

Grant/Loan Information

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. Loans may be used for: 

•Start-up costs, working capital 

•Construction or improvement of facilities 

•Purchase of equipment 

•Payment of production and marketing expenses including materials, labor and services

Deadline

TBD

Feed the Hunger Fund

Loan

/

Private

Statewide

Grant/Loan Information

Feed the Hunger Fund provides 6.5%-8.5% $5,000-$250,000 loans for anyone involved in the food industry, particularly marginalized communities with sustainable businesses.

Deadline

Year Round

GoFundMe Small Business Relief Fund

Grant

/

Private

Nationwide

Grant/Loan Information

GoFundMe will give $500 to businesses that raise at least $500 on their platform. Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business.

Deadline

Until funds are depleted

Hua Kanu Business Loan

Loan

/

State

Statewide

Grant/Loan Information

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory.

Deadline

Year Round

Restaurant Revitalization Fund Application

Grant

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Federal

Nationwide

Grant/Loan Information

All food service or drinking establishments, including restaurants, caterers, cafes, brewpubs,

food stands, food trucks, taprooms, taverns, and tasting rooms that are not part of an affiliated

group with more than 20 locations are eligible. Franchises with fewer than 20 locations are

Eligible. The first 21 days of funds will prioritize women or Veteran-owned restaurants, and

socially and economically disadvantaged businesses. The SBA deems the following groups of individuals as socially disadvantaged: Black Americans, Hispanic Americans, Native Americans, Asian Pacific Americans, Subcontinent Asian Americans. You can find official guidance at restaurants.sba.gov. Expect the application to open by the end of April.

Deadline

TBA

RSF Social Finance

Loan

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Private

Nationwide

Grant/Loan Information

RSF makes loans to social enterprises that are working to create long-term social and ecological benefit. They have broad areas of expertise in food and agriculture, education and the arts, and climate and the environments. Social enterprises must have three or more years of operating history, strong collateral, excellent debt repayment history, an annual revenue of $1 million or more, and needs that range from $200,000 to $5 million, among other things. For more information, see below.

Deadline

Year Round

Community Based Economic Development Loans

Loan

/

State

Statewide

Grant/Loan Information

CBED loans from $25,000-$50,000 are available to small business pursuing economic development opportunities. Agricultural producers, health/organic food stores, hydroponics and aquaculture businesses and manufacturers qualify. Loans can cover startup costs and working capital, construction or facility improvement, buying equipment, and marketing, with terms up to 10 years and a simple interest rate as low as 3% a year.

Deadline

Year Round

Aqua-Spark Aquaculture Investors

Loan

/

Private

Nationwide

Grant/Loan Information

Aqua-Spark is an investment fund that supports sustainable small-to-medium aquaculture businesses around the world to provide safe, accessible aquatic life that does not harm the ocean. With investments starting at $250,000, Aqua-Spark looks to be a minority investor in businesses with elements of economic sustainability, environmental sustainability, and social sustainability.

Deadline

Year Round

COVID-19 Disaster Recovery Dislocated Worker Grant Program

Grant

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Private

Statewide

Grant/Loan Information

This program enables non-profits, local businesses, and public entities engaged in humanitarian efforts to be matched with workers who have lost their jobs due to the pandemic. The grant provides fully subsidized workers for select COVID-19 disaster recovery job positions, for up to one year (2080 hours).

Deadline

TBD

Western IPM Center Planning Grant

Grant

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Private

Nationwide

Grant/Loan Information

This grant provides up to $15,000 of funding to develop or update crop profiles, pest management strategic plans, integrated pest management strategic plans, evaluations or other planning and evaluation documents. Applications are accepted year-round on a rolling basis and up to $75,000 of funding is available in 2020-2021.

Deadline

Rolling Basis

Rural Energy for America Program Energy Audit and Renewable Energy Development Assistance Grants

Grant

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Federal

Nationwide

Grant/Loan Information

This program assists rural small businesses and agricultural producers by conducting and promoting energy audits and providing renewable energy technical and site assistance. Applications are accepted year-round.

Deadline

Year Round

Maui Micro Business Loan Program

Loan

/

Local

Maui

Grant/Loan Information

The Maui Chamber of Commerce provides 0% interest emergency and working capital loans of $7,500-$25,000 to businesses in Maui County with 10 or fewer employees during the pandemic. The goal of the program is to serve as many small, economically disadvantaged businesses. In addition to loan funding, recipients will also gain access to business development resources, auxiliary programs and mentorship.

Deadline

TBD

Kahiau Rural Business Development Microloan Program

Loan

/

Private

Hawaii

Grant/Loan Information

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 2% interest loans for businesses to help them develop and build a network. Businesses must have a Native Hawaiian or kama`āina owner/operator and be located on Hawaii Island or Molokai.

Deadline

Until funds are depleted

Other SBA Loans

Loan

/

Federal

Nationwide

Grant/Loan Information

SBA offers numerous other loans, including their: 

•7(a) Program for working capital, expansion/renovation, new construction, etc. 

•Express Loan Program 

•Community Advantage Loan Pilot Program for small businesses in underserved markets and mission-based lenders 

•504 Loan Program for economic development and job creation/retention 

•Microloans for working capital, supplies, machinery and equipment, fixtures

Deadline

TBD

Opportunity Fund

Loan

/

Private

Nationwide

Grant/Loan Information

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners.

Deadline

Year Round

Rural Business Development Grant

Grant

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Federal

Nationwide

Grant/Loan Information

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. Towns, communities, state agencies, nonprofits, and institutes of higher education may apply.

Deadline

Unclear

Desalination and Water Purification Research Program Pitch to Pilot

Grant

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Federal

Nationwide

Grant/Loan Information

Eligible projects are pilot-scale technologies or processes that incorporate or are innovative and disruptive technologies involving flow rates above one gallon per minute and that need to be tested using natural water sources rather than synthetic or laboratory-made feed water. These projects are typically used to determine the technical, practical, and/or economic feasibility of a process. Preliminary costs can be developed for capital and operation and maintenance costs. The description of the technology or process should identify the uniqueness and the disruptive nature of the technology or process itself and/or the testing of it.

Deadline

06/03/21

Endangered Species Recovery Implementation

Grant

/

Federal

Nationwide

Grant/Loan Information

This program provides organizations that are familiar with the biology and ecosystems of certain federally endangered and threatened species with funding to create recovery plans for these species. Recovery plans should define the point at which protections under the Endangered Species Act are no longer needed, identify the most effective and feasible suite of recovery actions that will promote species survival and recovery, and provide public and policy makers with an overall estimate of the time and cost to recover species.

Deadline

9/30/2021

J.M. Kaplan Fund

Grant

/

Nationwide

Nationwide

Grant/Loan Information

This fund supports early-stage social entrepreneurs working on initiatives within social justice, the environment and heritage conservation. Projects that represent a game-changing answer to a clearly identified need, are innovative, demonstrate the potential to develop an actionable pilot or prototype with the funding, and can benefit multiple individuals, communities or sectors through a clearly articulated theory of change are eligibly to apply.

Deadline

4/30/2021

WomensNet's Amber Grant

Grant

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Federal

Nationwide

Grant/Loan Information

WomensNet gives away at least $10,000 every month in Amber Grant money. To apply, fill out a very brief survey to introduce yourself and your business dream. Judges will evaluate your proposal based on passion as well as business practicality.

Deadline

Year Round

Economic Injury Disaster Loan and Emergency Grant Update

Loan

/

Federal

Nationwide

Grant/Loan Information

The emergency grants of up to $10,000 which were previously closed to new applicants after the SBA ran out of funding will reopen to eligible applicants located in low-income communities. If an eligible entity has received an EIDL grant but not the full $10,000, it is eligible to receive the remainder of the $10,000. To see if you are eligible for an EIDL emergency grant, click here.

Deadline

TBD

Western IPM Center Special Issues Grant

Grant

/

Private

Nationwide

Grant/Loan Information

This Center offers special issues grants up to $5,000 for time-sensitive one-year integrated pest management projects that cannot wait until the next regular grant cycle.

Deadline

Rolling Basis

Renewable Energy Systems and Energy Efficiency Improvements

Grant

/

Federal

Nationwide

Grant/Loan Information

The Rural Energy for America Program will provide funds to agricultural producers and rural small businesses to install renewable energy systems and energy efficiency improvements. The Rural Energy for America Program is designed to help agricultural producers and rural small businesses reduce energy costs and consumption and help meet the nations critical energy needs.

Deadline

Year Round

Agriculture and Food Research Initiative- Foundational and Applied Science

Grant

/

Federal

Nationwide

Grant/Loan Information

This program provides grants to six priority areas to advance knowledge in fundamental and applied sciences important to agriculture. The priority areas are:

•Plant Health and Production/Plant Products

•Animal Health and Production/Animal Products

•Food Safety, Nutrition, and Health

•Bioenergy, Natural Resources, and Environment

•Agriculture Systems and Technology

•Agriculture Economics and Rural Communities

Deadline

7/29/2021

Export Assistance Loan Programs

Loan

/

Federal

Nationwide

Grant/Loan Information

The SBA offers various loan programs to assist small businesses interested in exporting their products.

Deadline

Year Round

HCRC Emergency Loan Program (HELP)

Loan

/

Local

Statewide

Grant/Loan Information

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open.

Deadline

TBD

Immigrants Rising Grants

Grant

/

Private

Nationwide

Grant/Loan Information

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people.

Deadline

Rolling Basis

Mãlama Business Loans

Loan

/

State

Statewide

Grant/Loan Information

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA.

Deadline

Year Round