International trade assistance is available through a special loan program called the Export Working Capital Guarantee Program, and International Trade Counselors are available to help small business owners with their export plans. A Veterans Affairs Officer is available to counsel veterans who want to start their own business. Borrowers under SBA programs typically work through their banks to obtain the SBA loan guarantee on borrowed funds. Proceeds can be used to purchase machinery and equipment, land and buildings, and for working capital. Terms can be up to 25 years, depending on the use of the loan proceeds.
Interest rates vary, depending on the size and term of the loan.
Operated jointly by the Hawaii Small Business Development Center Network, the Small Business Administration, the Service Corps of Retired Executives, and the Hawaii Women's Business Center, the BICC is distinctive in offering business clients a library with current management books and guides, videos and magazines, a computer center with business software, and knowledgeable counselors, all in one location. These resources are available at the Center at little or no cost. SBDC services include assisting small businesses with financial, marketing, production, organizational, and technical problems and feasibility studies. Special SBDC programs are tailored to the local community and the needs of individual clients. The SBDC is also involved in rural development, venture capital formation, and procurement.