Bridge Loans on Maui
Bridge loans on Maui are most often used to win competitive offers, carry land through the county permitting process, or fund a purchase while a mainland sale or exchange completes.
- 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
Using a bridge loan on Maui
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.
Maui combines some of the highest home values in the state with a construction and rebuild pipeline unlike anywhere else in Hawaiʻi. Central Maui towns like Kahului and Wailuku offer workforce housing flips, while Kīhei, Wailea and Kāʻanapali carry resort-grade values.
Where this loan works best on Maui
- Kīhei. Dense condo inventory and single family homes with strong rental demand.
- Kahului and Wailuku. Workforce housing core with older plantation homes ideal for value-add.
- Lahaina and Kāʻanapali. Rebuild construction financing and bridge loans during permitting.
- Makawao, Pukalani and Kula. Upcountry lots and ranch homes, construction and land loans.
- Haʻikū and Pāʻia. North shore ag parcels with ohana unit potential.
Maui specifics we underwrite
Maui prices are resilient because supply is structurally limited. Resort condos trade on cash flow, while upcountry and central Maui homes trade on lifestyle demand from local buyers.
Leasehold is less common on Maui than Oʻahu but appears in some Kīhei and Kāʻanapali condo projects. We evaluate each on remaining term and the lessor's history of fee conversions.
How we fund in Maui
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.
Maui bridge loans questions
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.
Do you lend on Maui or only on Oʻahu?
We lend across Maui, from Kīhei to Haʻikū to West Maui. Outer-island loans carry a $1,500 retainer to begin paperwork.
Can you finance a Lahaina rebuild?
Yes. We offer construction loans with draw schedules for owners and investors rebuilding in West Maui, and bridge loans to carry lots while permits are processed.
Same-day quote for Maui
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.