Hawaiʻi hard money, funded in days.
The property qualifies the loan, not your paperwork. A private direct lender in Honolulu with more than twenty years on the islands. Up to 75% of ARV, no credit minimum, same-day quotes.
- No credit minimum
- Same-day quote
- Close in days
- All six islands
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
Every loan a Hawaiʻi investor needs, decided locally
Hard Money Loans
Asset-based real estate loans funded by a private Honolulu lender. The property qualifies the loan.
ExploreFix and Flip Loans
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreADU Loans
Finance an accessory dwelling unit and turn one property into two incomes.
ExploreLeasehold Property Loans
We lend on leasehold. Most lenders will not.
ExploreWe drive every property we lend on
Mainland lenders price Hawaiʻi from a spreadsheet. We price it from the street. Leasehold in Makiki, lava zones in Puna, permit timelines on Kauaʻi, the Lahaina rebuild: we underwrite what is actually there.
From inquiry to funded in four steps
Tell us about the property
Island, property type, purchase price, estimated after-repair value and your exit plan. Takes two minutes and needs no personal financial documents.
Same-day quote
We come back with loan amount, rate and structure. No committee, no runaround.
Property evaluation
We inspect the asset and verify title. Local knowledge means this step moves fast.
Fund and close
Sign documents, record the deed of trust, receive funds. Pay interest only until you sell or refinance.
What a funded deal looks like
Three illustrative fix and flips at realistic price levels, financed up to 75% of ARV and 80% of rehab, held eight months at about 12% a year (1% a month) on the full loan, with 2 points, 1.5% purchase closing, $900 a month holding and 6% selling costs. Numbers are examples, not offers.
- Purchase
- $850,000
- Rehab
- $120,000
- After-repair value
- $1,250,000
- Our loan
- $691,000
- 8 months interest
- $55,280
- Points (2)
- $13,820
- Closing and holding
- $19,950
- Selling costs (6%)
- $75,000
- Total cash you put in
- $368,050
- Purchase
- $780,000
- Rehab
- $140,000
- After-repair value
- $1,200,000
- Our loan
- $658,000
- 8 months interest
- $52,640
- Points (2)
- $13,160
- Closing and holding
- $18,900
- Selling costs (6%)
- $72,000
- Total cash you put in
- $346,700
- Purchase
- $420,000
- Rehab
- $90,000
- After-repair value
- $690,000
- Our loan
- $366,000
- 8 months interest
- $29,280
- Points (2)
- $7,320
- Closing and holding
- $13,500
- Selling costs (6%)
- $41,400
- Total cash you put in
- $194,100
A bank says maybe in 45 days. We say yes this afternoon.
Same-day quotes
Send the property. Get loan amount, rate and structure back today.
No credit gate
No FICO minimum, no W-2s, no bank statements to get a quote. The asset carries the loan.
Leasehold welcome
We have lent on leasehold for over twenty years. Most lenders will not touch it.
Local decisions
Our office is on Kalākaua Avenue. No mainland committee, no runaround.
Draws in days
Rehab and construction funds release on inspection, not on a bank calendar.
Repeat borrower terms
Close with us more than once and approvals get faster and pricing gets better.
Investors who closed with us
“We had a non-contingent offer accepted on a Kailua tear-down on Friday and funded the following week. No bank in Hawaiʻi could have done that.”
“They understood the leasehold on our Makiki building better than the bank we had been with for ten years. Quoted the same day.”
“Draws were released within days of each inspection. That kept our Puna spec build on schedule and under budget.”
Run the numbers before you call
Hard Money Calculator
Monthly interest, points and total cost of capital for any loan size.
Flip Profit Calculator
Purchase, rehab, ARV, financing and selling costs in one projection.
ARV Calculator
Turn three comps into an after-repair value and a maximum loan.
Leasehold Checker
Is that leasehold financeable? Remaining term, rent and conversion math.
Hawaiʻi-specific knowledge, written by lenders
How to Get a Hard Money Loan in Hawaiʻi: Step-by-Step
Learn how to get a hard money loan in Hawaiʻi, from quote to closing, including documents, timeline, underwriting, and the mistakes that slow deals down.
9 min readrulesLeasehold vs. Fee Simple in Hawaiʻi: An Investor Guide
Understand leasehold vs. fee simple property in Hawaiʻi, lease rent, fee conversion, and how it affects financing so you can underwrite a deal correctly.
10 min readmarketOʻahu Fix and Flip Guide: Neighborhoods, Budgets, Exits
A neighborhood-level guide to fix and flip investing on Oʻahu covering budgets, permitting timelines, exit strategy, and hard money financing options.
11 min readQuestions investors ask us
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
What is a hard money loan?
A short-term, interest-only loan from a private lender secured by real property. The asset backs the loan, so qualification is faster and simpler than a bank.
Do I need good credit?
No. We do not run credit checks or require a minimum score. Your track record and the property are what matter.
What does hard money cost in Hawaiʻi?
Expect roughly 1% per month interest-only plus origination points that vary by deal. We quote every loan individually.
How fast can you close?
We can often close in days. A typical timeline is about 15 business days from retainer for a purchase with clean title.
Can I use a hard money loan for my primary residence?
No. Our loans are for business and investment purposes only and are secured by non-owner-occupied real property.
Do you lend on leasehold properties?
Yes. We understand Hawaiʻi's leasehold market and lend on both leasehold and fee simple property. We evaluate leasehold deals on remaining lease term and other Hawaiʻi-specific factors.
Which islands do you serve?
All of them: Oʻahu, Maui, Hawaiʻi Island, Kauaʻi, Molokaʻi and Lānaʻi. Our primary market is Oʻahu, but we evaluate deals island-wide and visit every property we lend on.
What is the difference between Pac I G Capital and Pacific Investment Group?
Pac I G Capital LLC is the brokering arm of Pacific Investment Group LLC, the private direct lender. Together we originate and fund loans in-house, so there is no outside committee.
Ready to see your number?
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.