Hard Money Loans in Hawaiʻi
Asset-based real estate loans funded by a private Honolulu lender. The property qualifies the loan.
- 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
- 50% LTV standard, up to 75% ARV
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 24 months
- Close
- As fast as days, typically within 15 business days
- Credit
- No minimum score
- Collateral
- Fee simple and leasehold
Hard Money Loans in Hawaiʻi, explained
A hard money loan is a short-term loan secured by real estate and funded by private capital rather than a bank. Because the collateral carries the loan, approval turns on the property and the exit plan, not on your tax returns or credit score.
Pac I G Capital is the brokering arm of Pacific Investment Group, a private direct lender headquartered in Honolulu. We have funded Hawaiʻi real estate for more than two decades, and every loan decision is made here on Oʻahu by people who know the neighborhoods. 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 hard money loan works with us
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.
Hard Money Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Go deeper
Hard Money Loan Costs in Hawaiʻi: Rates, Points, Fees
A breakdown of hard money loan costs in Hawaiʻi: interest, points, the retainer, extension fees, and a worked example comparing a flip loan to a bank.
9 min readfinanceHawaiʻi Hard Money Lender vs Mainland Lender: What Matters
Why local underwriting, inspection, comps, and permitting knowledge matter when choosing a Hawaiʻi hard money lender, plus questions to ask before you sign.
10 min readhow toHow 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 readHard Money Loans: questions we hear most
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.
Related loan programs
Fix 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.
ExploreGet a same-day quote on your hard money 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.