Loan & credit options.
Best for: Managing cash flow and short-term expenses.
Banking built for Hawaiiʻs small businesses.
Clear accounts, competitive rates, and local bankers who understand what it takes to start and grow a business in Hawaiʻi.
Central Pacific Bank is deeply rooted in the Hawaiʻi business community. Whether you’re just getting started or ready to grow, we offer straightforward accounts, fast setup, and the kind of local expertise that national banks can’t match.
Everyday business banking tasks
Find straightforward ways to handle your most common business banking needs, from opening an account to managing cash flow and payments online.
Choose the right account for your business.
Central Pacific Bank offers checking and savings options designed for businesses at every stage—whether you’re a sole proprietor, growing team, or managing high transaction volume.
Business Value Checking
Best for: Startups & low-volume businesses
Simple, low-cost checking with essential features to manage everyday business transactions.
Business Exceptional Plan
Best for: Established businesses with higher balances
Earn interest on your balance while getting access to preferred rates and premium perks.
Analyzed Business Checking
Best for: High-volume transaction businesses
Built for businesses with large transaction volumes. Earnings credits offset service fees automatically.
What to expect when working with us.
The details:
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Minimums & fees: explained upfront
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Application Time: ~15 Minutes
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Start Online or In-Branch
What you’ll need:
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Government-issued ID
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Business formation documents (LLC, DBA, etc.)
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EIN or SSN (sole proprietors)
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Minimum opening deposit
Open a business account in four easy steps:
Choose account
Provide info
Fund account
Start banking
Or talk to a Business Banker at a branch.
Our local Business Bankers are available in branch to guide you through account setup, answer questions about lending, and help you find the right products for your business stage.
Access capital to start, run, and grow your business.
From short-term lines of credit to SBA-backed loans and commercial real estate financing, CPB has lending options designed for Hawaiʻiʻs small business community.
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SBA loans
Best for: Startups and businesses needing longer-term, lower-rate financing. -
Commercial real estate
Best for: Purchasing or refinancing business property in Hawaiʻi.
What to expect when applying for a business loan.
The details:
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Rates & fees: explained upfront
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Decision timeline: varies by loan type
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Apply online or in-branch
What you’ll need:
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Business financial statements
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Business & personal tax returns
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Business plan (SBA loans)
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Government-issued ID
Get started with a business loan.
Explore Business Digital Banking.
From online banking and ACH payments to multi-user access and treasury management, CPB’s digital tools are built to keep your business running. Wherever you are.
Feature highlights:
Business online banking & mobile app
Multi-user access & role permissions
ACH payments & wire transfers
Cash management & treasury tools
Online payroll integration
Merchant services
Business debit Mastercard
Resources for Hawaiiʻs small business owners.
Find simple ways to handle your everyday banking needs, from opening accounts to managing your money.
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Business loan benefits and definitions
As a small business owner, you’ll likely face a time when you need access to additional funding. Unexpected opportunities, growing your business, or replacing vital technology all require financial resources. -
Protecting our Kupuna: What to know about elder fraud
No one deserves to be taken advantage of – but sadly, older adults are often the targets of increasingly sophisticated scams. -
Calculating and reducing your cash burn rate
Your cash burn rate is a key financial metric that shows how quickly you’re using your cash reserves over a specific period.
Work with a banker who knows your business.
At Central Pacific Bank, you’re not just a number. Our local Business Bankers understand Hawaiʻiʻs unique business environment and are ready to help online or in-branch.
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Laura Komoda
VP, Assistant Director of Private Banking
NMLS#792868
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Anna-Lena Zanolini, CWS®
VP, Senior Private Banking Officer
NMLS#652877
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Colleen Sasaki
VP, Senior Private Banking Officer
NMLS#386930
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Yevette Tu
AVP, Private Banking Officer
NMLS#639289
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Yuko Matsuura
Private Banking Associate II
NMLS#639242
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Carson Young
AVP Private Banking Officer
NMLS#1529635
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Mathew Shibata
VP, Private Banking Officer
NMLS# 1440878
Need other banking services?
From personal banking and wealth management to international accounts and digital tools, we’re here for every part of your financial life.
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Business Banking
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Wealth Management
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International Banking
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Digital Banking