Is Central Pacific Bank a good SBA lender?

Central Pacific Bank has funded 2,116 SBA loans totaling $148.4M in volume across 8 states, with an average loan size of $70K. The lender's default rate is 912.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to Central Pacific Bank or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at Central Pacific Bank?

The average SBA loan size at Central Pacific Bank is $70K, with a range from $10K to $2.5M. This profile suggests they are best suited for borrowers seeking smaller businesses, working capital, and franchise startups.

What states does Central Pacific Bank lend in?

Central Pacific Bank actively lends across 8 states. Their highest-volume state is Hawaii. Other top states include Oregon. Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does Central Pacific Bank fund franchise loans?

Yes — Central Pacific Bank has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is SUBWAY SANDWICH SHOP, followed by TEDDY'S BIGGER BURGERS, PRETZELMAKER, Servpro. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does Central Pacific Bank prefer?

Central Pacific Bank's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Educational Services, Amusement & Recreation, Specialty Trade Contractors. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to Central Pacific Bank?

PeerSense matches your specific SBA deal to Central Pacific Bank based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads — we curate fit. No retainer; lender pays referral fee at closing.

SBA LenderHawaiiHigh VolumeSmall Business

Central Pacific Bank

SBA lender based in Hawaii serving 8 states and 77 industries

Quick Answer

Central Pacific Bank has funded 2,116 SBA loans across 8 states and 77 industries. Their average loan size is $70K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against Central Pacific Bank and 897+ alternatives based on closing probability + pricing.

Geographic Reach

8 States

Regional focus

Industry Coverage

77 Industries

Diverse lending portfolio

Lending Activity

High Volume

Small Business focus

Top Lending States

Hawaii#1

Oregon#2

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Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Educational Services

NAICS 611

Amusement & Recreation

NAICS 713

Specialty Trade Contractors

Why borrowers choose Central Pacific Bank

Central Pacific Bank is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $70K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Hawaii. With 2,116 SBA loans funded across 8 states, they operate as a regional specialist anchored in Hawaii. Their portfolio default rate is 912.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against Central Pacific Bank and 897+ alternatives.

Recent SBA Activity at Central Pacific Bank

Franchise lending: Central Pacific Bank has funded SBA loans for multiple franchise concepts, with the highest volume in SUBWAY SANDWICH SHOP, TEDDY'S BIGGER BURGERS, and PRETZELMAKER. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Educational Services, and Amusement & Recreation. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are Hawaii, and Oregon. Lenders typically underwrite faster in states where they already have closing comps.

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Compare Central Pacific Bank to Similar SBA Lenders

Other SBA lenders headquartered in Hawaii with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.

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1,861 loans$110K avg15 states

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848 loans$75K avg7 states

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128,156 loans$262K avg55 states

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105,168 loans$87K avg52 states

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About Central Pacific Bank SBA Lending

Central Pacific Bank is an SBA lender headquartered in Hawaii. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

Central Pacific Bank serves borrowers across 8 states and 77 industry sectors with a regional lending focus. To find out whether Central Pacific Bank is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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