Hard money and private equity loans for Hawaii investors, buyers, sellers, and developers. Asset-based — your property qualifies the loan, not your paperwork.
Short-term, asset-based loans structured around the property — not your paperwork. We lend at 50% LTV and up to 75% ARV.
Short-term loans for investors buying and renovating Hawaii properties. We fund both the purchase and the rehab — so you can move fast on deals.
Bridge the gap between purchase and permanent financing. Close fast while your conventional loan processes — don't lose a deal to slow bank timelines.
Ground-up builds, major renovations, and ADU additions. Funds released in draws as milestones are reached — new builds, multi-family, and more.
No lengthy bank application. No committee reviews. We make decisions quickly because we know Hawaii real estate.
Submit a quick inquiry with property location, type, purchase price, and your estimated ARV. No personal financial info needed to start.
We review the deal and come back quickly with terms — loan amount, rate, and structure. No surprises, no runaround.
We evaluate the asset against our LTV and ARV guidelines. Local knowledge means this step moves fast.
Sign docs, record the deed of trust, receive funds. Pay interest only until you sell or refinance.
Tell us about the deal — we'll tell you what we can do. We decide based on the property, not a credit score.
Your FICO score, income, or W-2s are not factors — the real estate secures the loan.
We know every neighborhood on Oahu and the neighbor islands — faster underwriting, fewer delays.
Pay interest only during the loan term. Repay principal when you sell or refinance into permanent financing.
We understand Hawaii's unique leasehold market and lend on both types across all islands.
Fill in what you know — we'll handle the rest.
We'll review your deal and reach out within one business day. Questions? Call 800-254-1675.
Pac I G Capital LLC is the brokering arm of Pacific Investment Group LLC, a private direct lender headquartered right here in Honolulu. We've been serving Hawaii real estate investors, buyers, sellers, and developers for over two decades.
We understand what makes Hawaii real estate unique — the distinction between leasehold and fee simple properties, the pace of deals on each island, the nuances of neighborhood values from Kaimuki to Kailua to Kihei. That local knowledge translates into faster decisions and fewer surprises.
Our loans are funded privately, so we're not constrained by the committee approvals and documentation requirements of traditional banks. If the deal makes sense, we move.
Also accessible through Hawaii Private Loans and 2-money-2.com
The Old King Kalakaua Building
1407 Kalakaua Avenue
Honolulu, HI 96826
Oahu · Maui · Big Island · Kauai · Molokai · Lanai
A hard money loan is a short-term, interest-only loan from a private source — not a bank. It's secured by real property. Because the asset backs the loan, approvals are faster and qualification is simpler.
No. We are asset-based lenders. The property is what qualifies the loan. We don't run credit checks or require minimum FICO scores. Your track record as an investor matters, but credit is not a gating factor.
We typically lend at 50% LTV, and can go up to 75% of the ARV (after repair value) and 80% of repair costs when the numbers and project justify higher leverage.
Much faster than a bank. Because we make our own decisions locally, we can often close in days rather than weeks — especially for straightforward purchases with a clear exit strategy.
Yes. We understand Hawaii's leasehold market and lend on both leasehold and fee simple properties. We evaluate leasehold deals on remaining lease term and other Hawaii-specific factors.
You pay interest only during the loan term. You repay the principal when you complete the project and either sell or refinance into permanent long-term financing.
We lend across all the main Hawaiian islands — Oahu, Maui, the Big Island, Kauai, Molokai, and Lanai. Our primary market is Oahu but we evaluate deals island-wide.
Pac I G Capital LLC is the brokering arm of Pacific Investment Group LLC, the private direct lender. Together they provide a seamless lending experience — we originate and fund loans in-house.
Pac I G Capital LLC is a private money lender. All loans are for business or investment purposes only and are secured by real property. This website does not constitute an offer to lend. All loans are subject to underwriting approval. Rates, terms, and availability may vary. Pac I G Capital LLC is not a bank and is not FDIC insured. Loans may be originated by Pacific Investment Group LLC, the private direct lending affiliate. For licensing information, contact us directly.