Bridge Loans in Hawaiʻi
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
- 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
- Leverage
- Up to 70% LTV
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 12 months
- Close
- Days, not weeks
- Exit
- Sale or refinance
- Collateral
- Purchase property, owned property, or both
Bridge Loans in Hawaiʻi, explained
In Hawaiʻi the best listings go to non-contingent offers. A bridge loan lets you write that offer with confidence, close in days, and refinance into permanent financing or pay off from a sale once the timing works.
We cross-collateralize when it helps. If you own property with equity, we can lend against it to fund a new purchase without waiting for the old one to sell. We lend at 50% loan-to-value as a standard and go higher when the project justifies it. Interest-only payments at roughly 1% per month. No credit minimum, no W-2s, no bank statements to get a quote.
How a bridge loan works with us
Tell us the timeline
What you are buying, what you are selling or refinancing, and when.
Quote in a day
Loan amount against the purchase, the owned property, or both.
Close fast
We record and fund on your closing date.
Refinance or sell
Pay off the bridge when the permanent loan or sale closes.
Bridge Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Go deeper
1031 Exchange Bridge Loans in Hawaiʻi: A Timing Guide
How a bridge loan solves 1031 exchange timing in Hawaiʻi, covering the 45 and 180 day windows, reverse exchanges, and a worked Maui example.
9 min readhow toMainland Investors Buying Property in Hawaiʻi: A Guide
What surprises mainland buyers investing in Hawaiʻi real estate: leasehold land, lava zones, STR rules, ag zoning, remote closing, and local financing.
11 min readBridge Loans: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
How is a bridge loan different from a hard money purchase loan?
A bridge loan is defined by its short-term exit: a refinance or sale that is already in motion. Structure and pricing are similar, but the term is usually shorter.
Can you lend against a property I already own?
Yes. Cross-collateral bridge loans use equity in an owned property to fund a new purchase.
Can a bridge loan help with a 1031 exchange?
Yes. Bridge financing can meet the 180-day exchange deadline when the replacement property is ready before your relinquished property closes.
Related loan programs
Hard Money Loans
Asset-based real estate loans funded by a private Honolulu lender. The property qualifies the loan.
ExploreCash-Out Refinance
Unlock equity in property you already own to fund your next deal.
ExploreAuction and Foreclosure Loans
Fast capital for courthouse steps, trustee sales and REO purchases.
ExploreGet a same-day quote on your bridge loan
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.