Construction Loans on Maui
Construction on Maui has its own logistics, from material shipping to county inspection schedules. We build draw schedules around the way projects actually progress on Maui.
- 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% of completed value
- Draws
- Released on inspection milestones
- Rate
- About 12% a year (1% a month), interest only on drawn funds
- Term
- 12 to 24 months
- Projects
- Ground-up, ADU, rebuild, heavy renovation
- Land
- Owned or purchased at closing
Using a construction loan on Maui
Bank construction loans in Hawaiʻi are slow, document-heavy and often unavailable to investors. Our construction loans fund the build in draws tied to inspections, so you only pay interest on what you have used.
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 County permitting has historically been among the slowest in the state, though the county has added staff and online intake since the 2023 fires. Build permit contingencies into your timeline and use a bridge loan if you need to hold land while permits process.
Maui County permits ohana units and accessory dwellings on many residential and agricultural lots, with size tied to lot size. Recent county measures encourage long-term rental ADUs, and we finance ground-up ohana construction in draws.
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 construction loans questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you fund the land purchase too?
Yes. We can fund the lot at closing and the construction in draws afterwards on one loan.
Can I be an owner-builder?
Yes, with a realistic budget and schedule. Licensed contractor projects generally qualify for higher leverage.
How do draws work?
You request a draw at each milestone. We inspect, then release funds within days. You pay interest only on funds released.
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.