Hard Money Loans in Hawaii – Fast, Flexible Real Estate Financing

Hawaii Flip Loans & Construction Loans up to 4 units.

Need funding fast for your Hawaii real estate project?
At Hawaii Capital Partners, we provide fast-close, asset-based hard money loans for investors, developers, and property owners across Oʻahu, Maui, Kauaʻi, and the Big Island. Whether you’re flipping a home in Kapaa, refinancing a short-term rental in Kona, or building ground-up in Honolulu, we fund deals quickly, locally, and with flexible terms.

Why Choose Our Hawaii Hard Money Loans?

  1. Fast Funding – Close in as little as 5–10 days.

  2. Local Market Knowledge – We understand Hawaii permitting, zoning, and appraisal processes.

  3. Flexible Loan Sizes – From $100K fix-and-flips to $10M+ development projects.

  4. No Income Verification – Approval based on property value, not personal credit.

  5. Property Types We Fund:

    • Single-family flips

    • Multi-unit acquisitions

    • Ground-up construction

    • Commercial & mixed-use

    • Land purchase with strong exit plan

Sample Loan Terms

  • Loan Amount: $100,000 – $10,000,000+

  • Interest Rate: 10% – 12% (case-by-case)

  • LTV: Up to 70% of ARV or purchase price

  • Term Length: 6–24 months

  • Points: 2–4

  • Funding Time: 5–10 business days (after complete package)

  • Locations: All Hawaiian islands

Example Deals Funded

  • $350K Fix & Flip – Kapaa, Kauaʻi – Funded in 7 days, 65% LTV.

  • $2.1M Bridge Loan – Waikiki Hotel – Closed in 12 days to secure purchase before DSCR refinance.

  • $780K Construction Loan – Maui ADU – Funded before permit approval to fast-track build schedule.

How It Works

  1. Apply Online or Call Us – 5-minute application, no hard credit pull.

  2. Same-Day Review – We underwrite based on property value & exit plan.

  3. Fast Closing – Docs ready within days.

  4. Funding Wired – Direct to escrow or your account.

Ready to get funded?
📞 Call us at (808) 720-0222 or click below to apply: