Trusted Hard Money Lender in Hawaii for Fast & Reliable Financing

Hawaii Hard Money Lending

Hawaii, the 50th state of the USA, features Honolulu on the island of Oahu. Located in the Pacific Ocean among the western states of the USA, Hawaii's landscape includes a chain of volcanic hills. Hawaii ranks lower among U.S. states in terms of individual income but offers unique opportunities for hard money loans and real estate investments.

Quick Stats:

  • Population: 1.44 million people
  • Median household income: $83,102
  • Population density: 222.9 people/square mile
  • Median home sales price: $1,050,000
  • Median price to rent: $1,845

All our finance programs support the following investment options. For a complete list of hard money lending solutions, please visit our loan program page:

HAWAII MARKETS

Lending In Hawaii

Onyx Capital Lending is actively lending to real estate investors across Hawaii's most sought-after markets, including Honolulu, Maui, Kauai, and the Big Island.

Our tailored financing solutions encompass fix and flip, DSCR vacation rentals, and bridge loans designed to meet the unique demands of the Hawaiian real estate landscape.

Experience the speed and simplicity of true asset-based lending. We require absolutely no income verification, enabling reliable closings in just 10 to 21 days.

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Luxury Hawaiian Property for Real Estate Investment

Recent Hawaii Deal

LOCATION: KIHEI, MAUI, HI

Property: DSCR Vacation Rental

$875,000

LOAN AMOUNT

70%

LTV

10.5%

RATE

24 Months

TERM

14 Days

CLOSED

GET ANSWERS

Hawaii FAQs

Navigating the Hawaiian real estate market requires local expertise and fast capital. Onyx Capital Lending is here to answer your questions and provide the funding you need to close your next deal.

Can I get a hard money loan for a short-term vacation rental in Hawaii?

Yes — Onyx offers DSCR loans for all islands, Airbnb/VRBO income accepted, no personal income verification required.

How fast can Onyx close in Hawaii?

10–21 business days. Experienced investors with clean deals have closed in 10 days.

Do you lend on all islands or only Oahu?

All islands — Oahu, Maui, Big Island, Kauai, Molokai. Rural and resort properties evaluated case by case.

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  • 22 Parsonage St, Providence, RI 02903, USA

Onyx Capital Lending is a licensed private real estate lender under NMLS #2123236. Richard Morency, NMLS #1987012. We specialize in hard money lending in Hawaii and other states, offering loans exclusively for business-purpose investment properties. Onyx Capital Lending does not provide consumer mortgage loans or financing for owner-occupied residential properties. Loan approval depends on underwriting review, property valuation, and state regulations. Rates, terms, and loan availability are subject to change without notice. Lending services are available in 48 states, including Hawaii; not available in all states.