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Aquaculture Loan Program



Eligibility Requirements

A Qualified Aquaculturist is:

  • A person or association of persons, actively engaged in aquaculture farming, aquaculture produce processing, or aquacultural product development activities; and
  • An adult resident of the State or a corporation or aquacultural cooperative licensed to do business in Hawaii or a partnership in which at least one partner is an adult resident of the State; and
  • A sound credit risk with the ability to repay money borrowed; and
  • Able to produce satisfactory credit references.

Aquaculture loans are for applicant who intends to devote full-time to aquaculture. A full-time aquaculturist is defined as a person who devotes most of their time to aquaculture or derives a major portion of their income from aquaculture farming operations.

Loans Available

Loans to Sole Proprietors, Partnerships & Corporations

Type of Loan

Maximum Loan

Maximum Term


Farm Ownership & Improvement Loan


40 years

Purchase or improvement of aquaculture farmland.
Operating Loan


10 years

Purchase of aquatic equipment, fishstock; payment of production and marketing expenses including materials, labor, & services; and living expenses.

Loans to Aquaculture Cooperatives

Type of Loan

Maximum Loan

Maximum Term


Facility Loan


20 years

Purchase or improve land, building and equipment.
Operating Loan


3 years

Provide operating capital to finance inventories, warehouse, and shipping commodities, extension of consumer credit to justified members and other normal operating expenses.

Interest rates for aquaculture loans are fixed at 5% per annum.

Application Process

Loan applications may be obtained from any Agricultural Loan Division Office. Loan Officers are available to provide assistance and guidance on the loan process. To be eligible for a direct loan, applicants must be denied credit from three lenders, which include the Farm Credit Bank and two other private lenders including banks, savings and loan associations, credit unions, and mortgage loan companies.

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, and credit history will be taken into consideration. Acceptable applications are presented to the Board of Agriculture for final approval.

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

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

Hawaii: Department of Agriculture
16 East Lanikaula Street
Hilo, Hawaii 96720
Telephone: (808) 974-4140

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)