COVID-19 Hawaii Business Resource Page

DBEDT is gathering information and resources for Hawaii’s small businesses affected by COVID-19. We will keep updating this page, so please be sure to refer back here often.

If you become aware of additional resources, please email them to and we will share them here.

The following is from the SBA website and other sources.

Table of Contents



Hawaii business online eligibility questionnaire

DBEDT has partnered with United States Digital Response, a non-partisan effort to assist the U.S. government, to help Hawaii small businesses.

Right now, governments need help pre-qualifying and sorting large numbers of applicants, while loan applicants need a way to quickly understand which programs they qualify for and to take the steps to apply.

We have built an online eligibility questionnaire which makes it fast and easy for small business owners to understand what support programs are available to them, and to quickly take steps to federal, state and other loan programs.

Read about the project here.



City & County of Honolulu Small Business Relief and Recovery Fund

The City and County of Honolulu launched the Small Business Relief and Recovery Fund with the purpose of reimbursing small businesses for costs incurred from business interruption due to Emergency Proclamations and to help small businesses implement safety precautions to prevent the spread of COVID-19.

  • One-time reimbursement for expenses up to $10,000 to each qualified business that have less than $1,000,000 in gross annual revenue and 30 or fewer employees
  • Eligible business types:
    1. Businesses registered with the Hawaii Department of Commerce and Consumer Affairs and sole proprietors
    2. Non-profit organizations registered with the Hawaii Department of Commerce and Consumer Affairs and designated as tax-exempt under section 501(c)(3) or 501(c)(19)
  • Owner must be Hawaii resident and business must be located in the City and County of Honolulu
  • This is a REIMBURSEMENT program; proof of payment required: invoice, receipt, or other proof of payment needed
  • Examples of expenses include Rent, Utilities, Payroll, Physical Distancing Measures
  • Fund will not reimburse payments applied from another Federally-funded CARES Act Paycheck Protection Plan (PPP), Economic Injury Disaster Loan (EIDL), etc.
  • The fund can also reimburse expenses incurred to implement physical distancing and other safety precautions to comply with business opening and operating guidelines

For more details on the fund and how to apply, go to



Salesforce Care Small Business Grants

As part of Salesforce’s commitment to small businesses and giving back to the community, Salesforce is partnering with Ureeka to offer eligible small businesses the opportunity to receive a $10,000 grant to help them through the COVID-19 outbreak. Hawaii’s opportunity opens on April 27th and closes on May 4th.



Paycheck Protection Program


Today, the Paycheck Protection Program Flexibility Act was signed into law, providing small businesses with more time and more flexibility to use their Paycheck Protection Program (PPP) loans. The new law:

  • Increases the amount that can be used on rent, utilities, and other overhead costs from 25 percent to 40 percent; and it lowers the amount that must be used on payroll costs from 75 percent to 60 percent;
  • Extends the period of time that small businesses can use their loan from 8 weeks to 24 weeks and extends the entire program to December 31, 2020;
  • Allows small businesses to receive loan forgiveness even if they had trouble rehiring employees or if they have not been able to return to a full operating status;
  • Allows small businesses to repay any amount that is not forgiven over five years, instead of just two years; and
  • Allows small businesses with PPP loans to defer their payroll taxes as provided in the CARES Act.

The Paycheck Protection Program provides small businesses – including restaurants, hotels, and non-profits – with zero-fee loans of up to $10 million to cover payroll and other operating expenses. For more information on the PPP, visit

Paycheck Protection Program Loan Application Forms

The translated application is for reference only; you must submit the English form to your lender.

PPP Loan Checklists

PPP Loan Support

Japan-American Society of Hawaii (JASH) offers Japanese language support for businesses seeking assistance with their PPP Loan application. Please call (808) 524-4450.


For questions in English, please contact your lender with whom you are submitting your PPP Loan Application.



PPP Loan Forgiveness Application

The US Small Business Administration (SBA) recently published the PPP Loan Forgiveness Application. The form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). SBA will also soon issue regulations and guidance to further assist borrowers as they complete their applications, and to provide lenders with guidance on their responsibilities.

The form and instructions include several measures to reduce compliance burdens and simplify the process for borrowers, including:

  • Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles
  • Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan
  • Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness
  • Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30
  • Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined

The PPP was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic. The documents released today will help small businesses seek forgiveness at the conclusion of the eight week covered period, which begins with the disbursement of their loans.

Click here to view the application and instructions.



Economic Injury Disaster Loans and Loan Advance

To apply for a COVID-19 Economic Injury Disaster Loan, click here.

Congress is expected to approve an additional $50 billion for the SBA’s Economic Injury Disaster Loan Program, which will support an additional $350 billion in disaster loans; and $10 billion for emergency advances of up to $10,000 to small businesses and non-profits harmed by COVID-19.

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.



SBA Debt Relief

The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis.

Under this program:

  • The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020.
  • The SBA will pay the principal and interest of current 7(a) loans for a period of six months.



SBA Express Bridge Loans

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

Find an Express Bridge Loan Lender by connecting with your local SBA District Office.



SBA Products and Resources

SBA is here to assist small businesses with accessing federal resources and navigating their own preparedness plans as described by the CDC’s Guidance for Businesses and Employers.

SBA works with a number of local partners to counsel, mentor and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the SBA’s Local Assistance Directory to locate the office nearest you.

Access to Capital

SBA provides a number of loan resources for small businesses to utilize when operating their business. For more information on loans or how to connect with a lender, visit:

  • 7(a) program offers loan amounts up to $5,000,000 and is an all-inclusive loan program deployed by lending partners for eligible small businesses within the U.S. States and its territories. The uses of proceeds include: working capital; expansion/renovation; new construction; purchase of land or buildings; purchase of equipment, fixtures; lease-hold improvements; refinancing debt for compelling reasons; seasonal line of credit; inventory; or starting a business.
  • Express loan program provides loans up to $350,000 for no more than 7 years with an option to revolve. There is a turnaround time of 36 hours for approval or denial of a completed application. The uses of proceeds are the same as the standard 7(a) loan.
  • Community Advantage loan pilot program allows mission-based lenders to assist small businesses in underserved markets with a maximum loan size of $250,000. The uses of proceeds are the same as the standard 7(a) loan.
  • 504 loan program is designed to foster economic development and job creation and/or retention. The eligible use of proceeds is limited to the acquisition or eligible refinance of fixed assets.
  • Microloan program involves making loans through nonprofit lending organizations to underserved markets. Authorized use of loan proceeds includes working capital, supplies, machinery & equipment, and fixtures (does not include real estate). The maximum loan amount is $50,000 with the average loan size of $14,000.

Exporting Assistance

SBA provides export loans to help small businesses achieve sales through exports and can help these businesses respond to opportunities and challenges associated with trade, such as COVID-19. The loans are available to U.S. small businesses that export directly overseas, or those that export indirectly by selling to a customer that then exports their products.

  • Export Express loan program allows access to capital quickly for businesses that need financing up to $500,000. Businesses can apply for a line of credit or term note prior to finalizing an export sale or while pursuing opportunities overseas, such as identifying a new overseas customer should an export sale be lost due to COVID-19.
  • Export Working Capital program enables small businesses to fulfill export orders and finance international sales by providing revolving lines of credit or transaction-based financing of up to $5 million. Businesses could use a loan to obtain or retain overseas customers by offering attractive payment terms.
  • International Trade loan program helps small businesses engaged in international trade to retool or expand to better compete and react to changing business conditions. It can also help exporting firms to expand their sales to new markets or to re-shore operations back to the U.S.



Support for Nonprofits

State of Hawaii Announces FEMA Public Assistance for Nonprofit Organizations

New Resources Available! Private nonprofit organizations in the State of Hawaii are invited to apply for FEMA public assistance.

Interested agencies are invited to view a virtual Applicant Briefing on April 24th, April 28th, and May 1st at 9:00 am. The briefing should last about 30 minutes, followed by a question and answer period. Email for the link to participate in the virtual Applicant Briefing. FEMA awards grants to assist State and local governments and eligible private nonprofit entities with their recovery efforts.

Hawaii Community Reinvestment Corporation (HCRC)

Non-profits are eligible for both the SBA Economy Injury Disaster Loan (EIDL) and the Paycheck Protection Plan Loan (PPP) noted above as well as other programs. As part of DBEDT’s Community-based Economic Development Program (CBED), we have contracted with the Hawaii Community Reinvestment Corporation (HCRC) to assist non-profits with understanding their own cash flow needs and the resources available to help get them through the next three to six months. For more information on the financial assessment tools available and a cash flow analysis presentation for nonprofits go to HCRC. Return to this site for upcoming Webinars for Nonprofits organized by HCRC.

HELP (HCRC Emergency Loan Program) by HCRC is currently accepting applications.

HCRC is pleased to launch HELP (HCRC Emergency Loan Program) on April 13, 2020 and until funds are no longer available. HCRC will be providing short-term bridge loans and term loans to non-profit organizations and mission aligned small businesses that are otherwise unable to secure financing and are in immediate need of capital during the COVID19 crisis. See details and terms here.

Hawaii Alliance of Nonprofit Organizations (HANO)

HANO unites and strengthens the nonprofit sector as a collective force to improve the quality of life in Hawaii. Contact: Lisa Maruyama at


Kukulu is a digital platform that automates the process of matching nonprofit missions with donors to quickly address community needs. It was founded by Hawaii Investment Ready CEO Keoni Lee, private donor consultant Ashley Lukens, and Hawaii Alliance of Nonprofit Organizations president Lisa Maruyama.

Kukulu is free to use. People with philanthropic missions can log in to Kukulu and post a request, which may be curated by the platform stewards. Donors can respond to requests, or offer services or funding to be matched with needs.

Kūkulu is a place where we resource each other: ask for what you need, offer what you have. We’re here to support the process,” says founder Keoni Lee.



Hawaii Agricultural Companies

Federal Resources

On April 13, 2020, the USDA announced a “one-stop-shop” of federal programs to support rural communities, organizations and individuals impacted by the COVID-19 pandemic. 
The COVID-19 Federal Rural Resource Guide is a resource for rural leaders looking for federal funding and partnership opportunities. For more details, please see the press release.

State Resources

Hawaii Dept. of Agriculture (HDOA)

On April 14, 2020, the Hawaii Board of Agriculture approved an emergency loan program for farmers, growers and ranchers across the state who are suffering economically due to the COVID-19 situation. The loan program is effective immediately. Eligible farmers may now apply for emergency loans of up to $150,000 at 3 percent interest. Loans of $100,000 or less will not require credit denials from other financial institutions, which would normally be required for agricultural loans. The board also waived the three-year residency requirements normally required for agricultural loans.

Farmers interested in applying for an emergency loan should contact their nearest HDOA office:

  • Oahu, Kauai, Maui – (808) 973-9460
  • Hilo – (808) 933-9977
  • Kona – (808) 323-7591

Besides emergency loans, HDOA also offers micro-loans for those needing loans of $25,000 or less. Micro-loans involve less paperwork and swifter processing. In addition, current agricultural loan holders who are suffering financially due to COVID-19 may also request payment relief or forbearance.

For more details see the HDOA press release.

For more information on agricultural loans, call the Agricultural Loan Division at (808) 973-9460 or go the division’s webpage:

Hawaii Farm Bureau

Hawaii’s farmers and ranchers are #StillFarming. The Hawaii Farm Bureau is committed to serving Hawaii’s agricultural community as a hub for resources during this difficult time. Ask questions here.

April 23, 2020
Aloha HFB Members,

The Senate has passed an additional $310 billion for the Paycheck Protection Program for Small Business Loans and it will hopefully pass in the House today. Many Members are challenged with accessing these funds due to huge backlogs at large national banks and the lack of participation by many Farm Credit banks and small community banks. The demand is enormous, and we expect this round of funding to run out quick. We encourage Members to act now and apply if they want access to the program.
If you don’t have a SBA lender bank or banker, the Farm Bureau Bank is here to help. Farm Bureau Bank continues to process applications so that they can quickly submit the information to the SBA as soon as the system is reopened for application submission, which may be as early as Friday. They have the capacity and expertise to help our Members as they have already worked with Members in 26 states. The details of the program, as well as access to the application, are linked below. Both can also be found on the Farm Bureau Bank website,

Click here to apply.

Need Assistance?
Hawaii Farm Bureau is here to help. If you need help accessing or applying for any farm assistance or have any questions, email Rachele Lamosao

For more daily updates and resources, follow us on Instagram (@hawaiifarmbureau), Facebook (@hawaiifarmbureau), or Twitter (@hfbf1).

Agricultural Leadership Foundation of Hawaii

The Agricultural Leadership Foundation of Hawaii is here for the agricultural community during this difficult time. If you need support please reach out and we will do our best to connect you with local resources that can help. We hope you enjoy the updates provided below, many of which provide information on great things happening in our community. Email:



Government Contracting

SBA is focused on assisting with the continuity of operations for small business contracting programs and small businesses with federal contracts. For more information on federal contracting, visit

More specifically:

  • 8(a) Business Development program serves to help provide a level playing field for small businesses owned by socially and economically disadvantaged people or entities, and the government limits competition for certain contracts to businesses that participate. The 8(a) program offer and acceptance process is available nationwide, and the SBA continues to work with federal agencies to ensure maximum practicable opportunity to small businesses. 8(a) program participants should stay in touch with their Business Opportunity Specialist (BOS).
  • HUBZone program offers eligibility assistance every Thursday from 2:00-3:00 p.m. ET at 1-202-765-1264; access code 63068189#.  Members of the HUBZone team answer questions to help firms navigate the certification process.  For specific questions regarding an application, please contact the HUBZone Help Desk at
  • Women-owned Small Business firms who have questions, please visit or write to

If a situation occurs that will prevent small businesses with government contracts from successfully performing their contract, they should reach out to their contracting officer and seek to obtain extensions before they receive cure notices or threats of termination. The SBA’s Procurement Center Representatives can assist affected small businesses to engage with their contracting officer. Use the Procurement Center Representative Directory to connect with the representative nearest you.

Federal Acquisition Regulations (FAR) guidelines allow for excusable delays due to issues related to COVID-19. You should review FAR clauses: 52.249-14, 52.212-4(f), and 52.211-13. A contractor who is experiencing unanticipated delays in the performance of a government contract should communicate with the Contracting Officer and/or the Contracting Officer’s Representative to ensure the unanticipated delays are known to all parties.

Resources for contractors:



Help with Understanding and Applying for Financial Assistance

Federal Resources for U.S. Small Businesses

America’s SBDC, the umbrella organization of Hawaii SBDC, created a web platform containing information to assist small business with surviving and recovering from the effects, physical, financial and economic of the Covid-19 pandemic. This centralized platform consolidates information obtained from multiple federal agency resources and makes it accessible in an organized format with searchable functionality. Go to

Hawaii Small Business Development Center (SBDC)

State-wide network (see County resources below for island offices) of business consultants who are ready to support small businesses with SBA Disaster Loan and section 7 (a) applications, as well as other consulting. Contact the office nearest you.

Lead Center

Hawai‘i SBDC
Cathy Wiltse, State Director
117 Keawe Street
Hilo, HI 96720 – View Map
Phone: 808-974-7515
Fax: 808-974-7683
Web Site:


Hawai‘i SBDC – East Hawai‘i Center
Judi Mellon, PhD, Center Director
100 Pauahi Street Suite 109
Hilo, HI 96720 – View Map
Phone: 808-933-0776
Fax: 808-933-0778
Web Site:

Hawai‘i SBDC – Kaua‘i Center
Center Director
2970 Kele Street, Suite 101
Lihue, HI 96766 – View Map
Phone: 808-241-3148
Fax: 808-241-3229
Web Site:

Hawai‘i SBDC – Maui Center
Wayne Wong, Center Director
590 Lipoa Parkway, Ste. 264
Kihei, HI 96753 – View Map
Phone: 808-875-5990
Fax: 808-875-5989
Web Site:

Hawai‘i SBDC – O‘ahu Center
Joseph Burns, Center Director
2800 Woodlawn Drive, Suite 299
Honolulu, HI 96822 – View Map
Phone: 808-945-1430
Fax: 808-945-1432
Web Site:

Hawai‘i SBDC – West Hawai‘i Center
Dennis Boyd, Center Director
73-970 Makako Bay Dr, Ste. 108
Kailua Kona, HI 96740 – View Map
Phone: 808-333-5000
Fax: 808-333-5990
Web Site:

Patsy T. Mink Center for Business & Leadership (MCBL):

A Women’s Business Center offering:

  • Free Small Business and Legal phone counseling appointments to support small businesses. All small businesses in all counties welcome.
  • Women’s Leadership programs committed to personal growth, professional impact and community leadership.

See the MCBL website and email contact with any questions.



Other Useful Resources

County of Hawai‘i
Department of Research and Development
COVID-19 Business Resources and Information

County of Kauai
Office of Economic Development
Resources for Businesses, Employees, and Farmers Affected by COVID-19
Contact: Diana Singh, Business Innovation Coordinator,

Shop Small Hawaii

  • Provides business resources and tools to small business owners in Hawaii which include farmers, retailers, service providers, food, art and hospitality. We do this through educational workshops, promotions and special events in collaboration with community partners throughout the year, culminating on Small Business Saturday.
  • Register your business on our website to receive the above services. You don’t want to miss our new Facebook Live episodes focused on sustaining your small business!

The #SHOPSMALLHAWAII website and email contact: with any questions.

Initiative for a Competitive Inner City (ICIC)

Founded in 1994 by Harvard Business School Professor Michael Porter, the Initiative for a Competitive Inner City is a national nonprofit research and advisory organization and the leading authority on U.S. inner city economies and the businesses that thrive there. See their Small Business Resource Center here.

U.S. Chamber of Commerce

Coronavirus Emergency Loans Small Business Guide and Checklist