Food Manufacturing




A Food Manufacturer is:

  • An entity licensed to do business in the State of Hawaii; and
  • Eligible food manufacturers shall have the controlling interest of its shareholders and directors possess a minimum of two years of relevant processing or manufacturing experiences as acceptable to the department of agriculture; and
  • The entity shall process Hawaii-grown agricultural products or use Hawaii-grown agricultural products as an ingredient in the manufacturing process.

Processed and manufactured agricultural food products include items such as chips, dairy products, guava and papaya puree, macadamia nut products, fruit drinks, juices, nectars, jams, jellies, packaged coffee, processed vegetables, freeze-dried and fresh poi, processed meat products, cookies, and candies.


Loans to Food Manufacturers
Type of Loan Maximum Loan Maximum Term Purpose
Facility Loans 1 $500,000 20 Years Purchase or improve land, buildings, and equipment.
Operating Loans $300,000 7 Years Finance inventories of supplies and materials, warehousing, marketing expenses and shipping commodities.

1 – Facility Loans require a down payment or equity contribution of 15% and can not exceed 85% of the value of the security offered.

Interest rates are fixed at 1% below the prime rate or at 7-1/2% per annum whichever is less. The prime rate is determined twice a year, on January 1st and July 1st of each year.


Loan applications may be obtained from any Agricultural Loan Division Office. Loan Officers are available to provide assistance and guidance on the loan process. In order to be eligible for a direct loan, applicants must be denied credit from two lenders, which include banks, savings and loan associations, credit unions, mortgage loan companies, the Farm Credit System and/or the U.S. Department of Agriculture.

A private lender may pursue a participation loan or insured/guaranty loan on behalf of the applicant. Under these circumstances, the private lender will work in conjunction with the Division on the loan application.

As part of the application process, aspects such as repayment ability, collateral, capital, economic and/or environmental conditions, and historic performance will be taken into consideration. Acceptable applications are presented to the Board of Agriculture for final approval, with the exception of Micro-loans, which may be approved by the Chairperson of the Board of Agriculture.

For more information, call or visit one of our offices.

1428 South King Street
Honolulu, Hawaii 96813
Telephone: (808) 973-9460

Hawaii Island:

  • Hilo:
    75 Aupuni Street, #104
    Hilo, Hawaii 96720
    Telephone: (808) 933-9977
  • Kona Civic Center
    82-6130 Mamalahoa Highway
    Captain Cook, Hawaii 96704
    Telephone: (808) 323-7591

Kauai: Telephone: 274-3141, extension 39460 (Toll Free)

Maui: Telephone: 984-2400, extension 39460 (Toll Free)

Molokai: Telephone: 1-800-468-4644, extension 39460 (Toll Free)