Hawaii Lending Group is the preferred lender of private funds for real estate secured hard money loans. Hawaii Lending Group offers hard money loans for commercial or investment purposes on all property types, providing options to borrowers who require greater speed or flexibility than commercial banks can provide.

Learn more about our loan programs.

Hawaii's Preferred Hard Money Lender.

Hawaii Lending Group

Hard Money Programs

Hawaii Lending Group offers first mortgage loans of between $50,000 and $2,000,000, to be used for commercial or investment purposes on properties that are not primary residences of the borrower. Loan durations of six months to three years are available and can be secured by commercial or residential property. Borrowers are typically required to hold a 25% or greater equity position in the property. Rates are competitive, with annual interest averaging 12%, with 3 to 5 points charged at closing. Brokers are welcome and commissions are negotiable.

HLG’s hard money loans are particularly useful where speed is essential or where the documentation or credit rating requirements of conventional lenders are too rigid. The following are sample situations. You can also learn more at our Hard Money Lending FAQs Page.

  • Borrower has located a Real Estate Owned opportunity or foreclosure sale property that can be acquired at a significant discount to market, but the purchase must be concluded in two weeks. Borrower has a significant portion of the cash needed to close, but needs to borrow the remainder faster than a conventional lender can move or the deal will be lost.
  • Borrower is creditworthy but is running out of time to close on the purchase of exchange property, and is at risk of losing the tax-deferred aspect of a previous sale under IRC 1031. If borrower has significant equity to use toward the acquisition of the target property that it needs to close on, we can provide the balance on short notice, so that borrower can later obtain permanent site financing without losing its tax benefits.
  • Borrower has encountered medical emergencies or other financial reversals that have damaged its FICO score. Using the equity and income in its investment or commercial property, borrower wishes to borrow and use the loan proceeds to pay off expensive credit card debt while rebuilding its credit so that it can later obtain bank financing.
  • Borrower has failed to file tax returns for several years or has unreported income. Borrower needs to finance the cost of repairs to make its investment property saleable, but conventional lenders insist on documentation of income and current tax returns. Given sufficient equity and a reasonable plan of repayment, a hard money loan provides the funds for repairs.


  • I worked with HLG to fund construction on a residential site in Kaimuki. The banks were moving slowly with too many requirements. HLG allowed me to use equity in two properties to get a $250K loan and keep the project on track.

    L.P., Honolulu
  • We needed a one-year bridge loan to help us prepare our Maui condominium to be sold and to buy out partial owners. HLG quickly sourced the funds, and when some technical challenges arose, they had no trouble finding solutions.

    J.S., Maui
  • I needed to renovate a rental apartment, and the banks were giving me a hard time because the property needed work and my recent credit scores weren’t perfect. HLG evaluated my request, saw how much equity I had in it, and quickly gave me the loan I needed to fix up the unit and get it earning income again.

    E.C., Honolulu
  • We had ten days to close on an oceanfront property and our financing had fallen through. HLG worked fast and rescued the deal.

    T.K.. Kaneohe
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