HARD MONEY LENDER HAWAII

Yes, Loan Goat funds business-purpose real estate loans in Hawaii, including Honolulu, Pearl City, Kailua, Kaneohe and Hilo. We are a direct lender with in-house capital, a 5.0 Google rating and 150+ reviews behind us. Investment property and non-owner-occupied deals are the core of the book. The islands sit a long way outside most lenders' comfort zone, and that is precisely why investors call.

Yes, bridge financing buys the parcel and construction financing funds the vertical build, which is the usual path when a plantation-era cottage is worth less than the dirt under it. We underwrite the property and the project, not your tax return. Bring the plans, the budget and the timeline you are working to, and the draw schedule gets built around that scope.

Yes, Hilo and the wider Hawaii County market qualify for the same programs as Oahu: bridge, fix and flip, rental property loans and commercial. Older wood-frame houses and downtown commercial buildings are normal collateral for us. Because we underwrite the asset rather than the borrower, a property that needs serious work is a candidate rather than an automatic decline.

It does not. Title, escrow and appraisal happen where the property is, and the decision happens where the capital is. Loan Goat has funded across 46 states from one office, so a Honolulu or Pearl City file runs the same track as a mainland one. Send the deal, get terms, and close in 5 to 7 days once title is clear.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.