Construction Capital for Hawaiʻi Builders and Developers
Bank construction lending in Hawaiʻi is slow, conservative and often closed to spec builders. We fund lot acquisition and vertical construction in draws, on timelines that match how projects actually move.
- 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
What gets in the way
From Puna spec homes to Lahaina rebuilds to Kāneʻohe ADUs, we understand island construction logistics.
- Banks that will not fund spec construction
- Draw processes that take weeks
- Lot financing that is unavailable
- Permit timelines that outlast loan terms
Land plus construction
One loan for the lot and the build.
Draws in days
Inspection-based releases that keep crews working.
Realistic terms
12 to 24 month terms with extensions for projects on track.
Programs builders and developers use most
Bridge 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.
ExploreLand and Lot Loans
Buy the lot now, build or entitle later. Private financing for raw and improved land.
ExploreQuestions investors ask us
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you fund spec homes?
Yes. Spec construction in draws is one of our core products.
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.