Home / Hawaii
Hard Money Lenders in Hawaii
8 of the 13 national hard money lenders we compared say on their websites that they lend in Hawaii. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 4 lenders based in Hawaii. 2 exclude Hawaii or leave it off their published state lists.
National lenders that lend in Hawaii
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| New Silver | 9% to 11% | Up to 90% LTC | Not stated | Up to $5M | Average 10 days to close |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| Express Capital Financing | 10% to 12% | Up to 90% of acquisition and 100% of renovation (its meta description says up to 75% of total project cost) | 600 | $150K to $10M | As little as 5 days |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans. Click a lender for its full terms.
Hard money lenders based in Hawaii
Private Money Hawaii
Honolulu, HI. Phone: +1 (808) 753-1204.
- Loans: Fix and flip, bridge, DSCR, BRRRR, investment residential, construction, commercial
- Loan size: Not stated
- Rates: Rates typically start around 9% (as of 2025); 1-3 points
- Where: Honolulu, Oahu, Maui, Big Island and Kauai
KECO Capital
Honolulu, HI. Phone: (808) 425-4627.
- Loans: Fix and flip, ground-up construction, BRRRR (bridge, cash-out refinance, long-term), residential 1-4 unit and apartment, commercial
- Loan size: Not stated
- Rates: Rates starting at 7.99%
- Where: Not stated
Myers Capital Hawaii
Honolulu, HI. Phone: (808) 566-6611.
- Loans: Private money loans, bridge, fix and flip, ground-up construction, DSCR
- Loan size: Not stated
- Rates: Not published
- Where: Licensed and lending in 42 states
Pacific Home Loans
Kihei, HI (also lists Henderson, NV). Phone: (808) 891-0415.
- Loans: Private money / hard money: bridge, renovation and rehab, fix and flip, short-term acquisition
- Loan size: Not stated
- Rates: Not published
- Where: Hawaii, California, Arizona, Nevada, Colorado, Montana, Tennessee, Texas, Oregon and Washington; describes itself as a hybrid mortgage bank and broker that funds private money in-house
Other regional lenders that list Hawaii
Ridge Street Capital
Miami, FL. Phone: 786-304-2751.
- Loans: Fix and flip, DSCR rental, construction, short-term rental
- Loan size: $50K to $3M (fix and flip)
- Rates: Fix and flip 10.5% to 11.75%; DSCR 6.0% to 7.99%; construction 10.99% to 12.25%; origination from 1.5%
- Where: Lends in AL, AR, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MO, MS, MT, NC, NE, NH, NM, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI, WV, WY
Lenders that exclude Hawaii or do not list it
- Upright: not on its published state list
- Ternus: excludes Hawaii on its website
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about Hawaii.
Compare all national hard money lenders
Frequently asked questions
Who are the hard money lenders in Hawaii?
8 of the 13 national hard money lenders we compared say on their websites that they lend in Hawaii. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 4 lenders based in Hawaii. 2 exclude Hawaii or leave it off their published state lists.
What do hard money loans cost in Hawaii?
Among national lenders that lend in Hawaii, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.