Hawaii’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Hawaii, including Honolulu, Kapolei, Kailua, Hilo, and Kahului. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Hawaii and nearby markets like Kapolei, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Predictable approvals and clear steps reduce execution risk across acquisitions and construction timelines. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Hawaii—from Kailua to Kahului—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Hawaii for value-add rehabs, light-to-heavy renovations, and turnaround projects across markets like Honolulu, Kapolei, and Kailua. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Hawaii support infill builds, small multifamily, and redevelopment projects in areas such as Kapolei and Hilo. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Hawaii bridge loans provide interim financing for auction and off-market acquisitions, payoff timelines, and stabilization periods in markets like Honolulu and Kahului. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Hawaii are designed for investors focused on long-term rentals, mid-term/furnished strategies, and portfolio growth across Kailua, Hilo, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding delivers well-capitalized funding with hands-on, investor-first execution. Serving investors across Hawaii and nearby markets like Honolulu and Kapolei. Because we control the process from term sheet through funding, investors get clarity, speed, and consistent execution.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In Hawaii, that flexibility helps investors move in submarkets such as Kailua and Hilo. Our underwriting team understands construction realities and focuses on feasibility, leverage, and the path to repayment.

  3. Certainty from a Direct Lender.
    As a direct lender, Unitas owns the capital we lend—so when we say yes, it means yes. That matters when you’re executing deals across Honolulu, Kapolei, Kailua, Hilo, and Kahului. Reliable capital reduces execution risk across acquisition, rehab, and stabilization timelines.

  4. Faster Funding, Faster Draws.
    Speed matters beyond closing. Unitas processes draw requests quickly after inspection completion to keep projects moving. Investors across Hawaii—including Kapolei and Kahului—benefit from a process built for momentum. Clear milestones and quick releases support consistent progress throughout the project lifecycle.

  5. Ready to Fund Your Next Hawaii Real Estate Investment?
    Hawaii doesn’t slow down—and neither should your capital. Whether you’re renovating in Honolulu, building in Hilo, or scaling rentals across Kailua and Kahului, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Hawaii. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Hawaii?

Investors scaling portfolios across Hawaii—including investors active in Honolulu and Kapolei—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Hawaii real estate investment loan?

At minimum, share the property address, purchase contract, budget/scope, and exit plan. For properties in Hawaii and nearby markets like Kailua, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Hawaii?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Hawaii, collateral strength, leverage, and a feasible execution plan—especially for projects in Hilo—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Hawaii?

Yes. First-time investors in Hawaii can qualify with conservative leverage and a credible plan, particularly when working in markets like Honolulu. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Hawaii?

Many programs emphasize the property rather than pay stubs. DSCR loans in Hawaii rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Kapolei and Kailua.

How long does the hard money approval process take in Hawaii?

Many programs emphasize the property rather than pay stubs. DSCR loans in Hawaii rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Kapolei and Kailua.

Why choose Unitas Funding over other hard money lenders in Hawaii?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Hawaii when you’re coordinating closings and contractors across areas like Kailua and Hilo.

How is a hard money lender different from a bank in Hawaii?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Hawaii and nearby markets such as Honolulu.

Do you provide funding across Hawaii?

Yes. Funding is available throughout Hawaii, including Honolulu, Kapolei, Kailua, Hilo, and Kahului, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Hawaii hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Hawaii and markets like Kapolei.

Ready to Fund Your Next Hawaii Real Estate Investment?

Hawaii's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Hawaii real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!