Commercial Real Estate Loans on Oʻahu
Commercial property on Oʻahu is thinly traded and locally owned. We underwrite based on Oʻahu rents and tenants rather than national cap rate assumptions.
- 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
Using a commercial real estate loan on Oʻahu
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.
Oʻahu is where we started and where most of our loans still close. Roughly two thirds of Hawaiʻi residents live here, the resale market turns over faster than any other island, and there is always a buyer for a well-finished home in Kailua, Mililani or Hawaiʻi Kai.
Where this loan works best on Oʻahu
- Kailua. Premium windward beach town. Older post-and-pier homes with strong ARV upside.
- Kāneʻohe. Large lots, older plantation-era homes, ADU-friendly zoning.
- Kapolei and ʻEwa Beach. Newer master-planned inventory, fast turnover, light cosmetic flips.
- Mililani. Consistent family demand and predictable comps.
- Pearl City and ʻAiea. Mid-century homes near the rail line with heavy renovation demand.
Oʻahu specifics we underwrite
Inventory is chronically tight. Well-renovated single family homes in central and windward Oʻahu routinely draw multiple offers, which keeps flip exits reliable even when rates move.
Oʻahu carries the largest leasehold inventory in Hawaiʻi, especially in Waikīkī, Makiki and Salt Lake condos and in older Kāhala and Hawaiʻi Kai tracts. We lend on leasehold when the remaining lease term comfortably outlasts the loan and the lease rent schedule is known.
How we fund in Oʻahu
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.
Oʻahu commercial real estate loans questions
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.
How fast can you close a hard money loan on Oʻahu?
For a straightforward purchase with clear title we typically close within 15 business days of retainer, and often faster. Our office is in Honolulu, so property visits, document signing and recording all happen locally.
Do you lend on Oʻahu leasehold condos?
Yes. We evaluate remaining lease term, lease rent renegotiation dates and the fee conversion status. Many Waikīkī and Makiki leaseholds are financeable when the numbers work.
Same-day quote for Oʻahu
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.