We’re excited to share a recent Pacific Business News feature highlighting Kalia Clark, Senior Vice President of Business Development at TMC Financing, and his return home to Hawaiʻi after nearly two decades on the Mainland. A Kamehameha Schools alum born and raised in Hawaiʻi, Kalia built a successful career in investment banking and commercial lending before coming full circle to serve the local business community.
In the interview, Kalia reflects on how his upbringing, professional journey, and values—ohana, kuleana, and community stewardship—shape his approach to SBA 504 lending. He explains how the program helps Hawaiʻi entrepreneurs overcome one of their biggest barriers to growth: access to affordable capital. With lower down payments, long‑term fixed rates, and financing options for owner‑occupied real estate and heavy equipment, SBA 504 loans can be a powerful tool for businesses looking to build stability, preserve liquidity, and invest in their future.
Kalia also discusses the unique realities of doing business in Hawaiʻi, from leasehold land and permitting challenges to the importance of turning rent payments into equity and long‑term wealth. His perspective offers valuable insight into why local expertise matters—and how thoughtful financing solutions can strengthen both small businesses and the broader Island economy.