Hawaii Community Lending (HCL) is a certified native Community Development Financial Institution that provides access to credit and capital to underserved communities in Hawaii with a particular focus on Native Hawaiians. HCL is a wholly-owned subsidiary of Hawaiian Community Assets, Hawaii’s largest nonprofit, HUD-approved housing counseling agency. Together, the organizations build the capacity of low- and moderate-income communities to achieve and sustain economic self-sufficiency by creating opportunities for economic empowerment that help stabilize family life and a more sustainable community.