Haw. Rev. Stat. § 155-3: Restriction.

Loans authorized by this chapter shall require one credit denial. This requirement shall be waived for new farmer loans for $100,000 or less for farm trainees and recent college graduates with a degree in agriculture. This requirement may also be waived by the board of agriculture and biosecurity for emergency loans. Credit denials may be accepted from any of the following:

(1) Private lenders;

(2) Members of the farm credit system; or

(3) The United States Department of Agriculture.