Commercial Hard Money Loans in Hawaiʻi
Retail, office, mixed-use, industrial and hospitality properties across the islands.
- 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 65% LTV
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 24 months
- Types
- Retail, office, mixed-use, industrial, hospitality
- Exit
- Refinance, sale or stabilization
- Close
- Weeks, not months
Commercial Real Estate Loans in Hawaiʻi, explained
Commercial lending in Hawaiʻi runs on relationships and local knowledge. Banks take months and require stabilized income. We fund on the asset and the plan, which lets you close on a vacant building or an under-leased property and reposition it.
We lend on retail, office, mixed-use, light industrial and small hospitality assets. 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 commercial real estate loan works with us
Submit the asset
Property details, current leases, and your business plan.
Underwrite
Value based on comps, income potential and the repositioning plan.
Close
Fund on your timeline.
Stabilize and exit
Refinance with a bank or SBA lender once leased.
Commercial Real Estate Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Commercial Real Estate Loans: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on vacant commercial buildings?
Yes. Vacant and transitional assets are a core use case for private commercial loans.
Can an owner-user borrow from you?
Yes, for business-purpose loans on commercial property. Many owner-users bridge with us and refinance into SBA financing.
Related loan programs
Get a same-day quote on your commercial real estate 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.