Hawaii Hard Money Lending

Fast Capital for
Island Builders

Pacific Investment Group funds Hawaii real estate projects — construction, fix-and-flip, bridge, and land loans — with local expertise and decisions in days, not months.

Get Funded View Loan Programs
$50M+ Funded in Hawaii
48 hrs Average Term Sheet
70% Max LTV / ARV
100% Island-Focused
Hawaii construction site Hawaii coastline
About Pacific Investment Group

Local Lender.
Island Expertise.

Hawaii real estate moves differently. Tight inventory, permitting complexity, unique title situations — and traditional banks that simply don't understand it. John Fletcher Financial was built for exactly this market.

We fund construction loans, bridge loans, fix-and-flip projects, and land acquisitions across O'ahu, Maui, the Big Island, and Kauai. Our decisions are based on the deal, not just the borrower's credit score, and we close fast so you never lose a deal to slow capital.

With deep roots in Hawaii's real estate community, we understand the market from Kahala to Kailua-Kona — and we're ready to move when you are.

Pacific Investment Group
The Process

From Application
to Funding

Start Today →
01

Submit Your Deal

Fill out our simple application with basic property and project details. No lengthy bank paperwork.

02

Term Sheet in 48 Hours

We review your deal and issue a term sheet within two business days. We move at island pace — which means fast.

03

Due Diligence & Title

We conduct our review and work with local title companies who understand Hawaii's unique land court and regular system.

04

Funds Wired

Close and receive your funding. Construction loans draw on a schedule; bridge and fix-flip close in a single disbursement.

Loan Programs

Capital Built for
Hawaii Deals

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Construction Loans

Ground-up residential and commercial construction across all major Hawaii islands. Draw-based funding tied to project milestones.

  • Loan Range $250K – $5M
  • Max LTV 65% of ARV
  • Term 12–18 Months
  • Rate From 10.5%
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Fix & Flip

Renovation financing for Hawaii investors targeting older inventory. Close fast, renovate, and sell at a premium in Hawaii's supply-constrained market.

  • Loan Range $150K – $3M
  • Max LTV 70% of ARV
  • Term 6–12 Months
  • Rate From 10.0%
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Bridge Loans

Short-term bridge financing to move quickly on acquisition opportunities before permanent financing is arranged or a property sells.

  • Loan Range $500K – $8M
  • Max LTV 65%
  • Term 3–12 Months
  • Rate From 9.5%
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Land & Lot Loans

Acquisition financing for raw land, agricultural lots, and entitled parcels across all Hawaii counties. We understand agricultural land court restrictions.

  • Loan Range $200K – $4M
  • Max LTV 50%
  • Term 12–24 Months
  • Rate From 11%
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Multifamily & Commercial

Value-add, repositioning, and light construction for apartment buildings, vacation rental compounds, and commercial properties statewide.

  • Loan Range $500K – $10M
  • Max LTV 65% of ARV
  • Term 12–24 Months
  • Rate From 10%
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DSCR / Rental

Long-term rental property loans based on debt service coverage ratio — ideal for STVR, long-term rentals, and vacation properties on all islands.

  • Loan Range $300K – $5M
  • Min DSCR 1.20x
  • Term 30 Year AM
  • Rate From 8.5%
Hawaii tropical real estate
Why Hawaii Real Estate

A Market Built for
Hard Money

🏝️

Constrained Supply, Lasting Demand

Hawaii's geography makes land fundamentally scarce. As global demand for island living grows, values remain insulated from mainland cycles.

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Banks Move Too Slowly

Traditional lenders struggle with Hawaii's unique title system, agricultural zoning, and permitting timelines. Hard money fills the gap — reliably.

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Strong Rental & Exit Markets

Both short-term vacation rentals and long-term residential demand remain strong, giving investors multiple exit strategies on every deal.

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Local Relationships Matter

We have established relationships with Hawaii title officers, contractors, appraisers, and brokers — connections that accelerate your timeline.

Borrower Stories

Built on Trust

★ ★ ★ ★ ★
"John closed our construction loan in 18 days. Every other lender we approached took months just to underwrite. We would have lost the lot without him."
— Developer, Kailua, O'ahu
★ ★ ★ ★ ★
"We've done three fix-and-flip projects with Pacific Investment Group. The term sheets are always clear, the draws are always on time, and the team truly understands the island market."
— Investor, Maui
★ ★ ★ ★ ★
"As an out-of-state investor buying on the Big Island, I needed a lender who knew Hawaii land court. John's team navigated every complexity without missing a beat."
— Investor, Hilo, Hawai'i
Get Funded

Apply for a
Hard Money Loan

Tell us about your deal. We'll review every submission and reach out within one business day. No application fee, no obligation.

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Service Area: O'ahu · Maui · Big Island · Kauai · Moloka'i
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✉️
⏱️
Response Time: Within 1 Business Day

No fees. No obligation. Responses within 1 business day.

Pacific Investment Group LLC is a private money lender. All loans are subject to underwriting approval. Rates and terms shown are illustrative and subject to change. Hard money loans are short-term commercial loans intended for real estate investors and developers. This is not an offer to lend and does not constitute a commitment to make a loan. Loans are not available in all states. NMLS #XXXXXX. Hawaii Licensed Mortgage Loan Originator.