Commercial & Investment Loan Programs in Hawaii
Find DSCR, commercial, SBA, construction, bridge, hard money, and more — all tailored for investors and business owners in Hawaii.
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At EZcommercialloans.com, we help real estate investors and business owners in Hawaii access the right commercial loan programs for their deals. Whether you’re purchasing a new building, refinancing an existing property, funding construction, or growing your business, our network of lenders and loan programs is designed to support all types of projects in Hawaii.
From DSCR loans based on property cash flow to SBA programs, hard money, bridge financing, and development loans, our goal is to simplify commercial lending and help you close faster with the best terms available. Below, you’ll find a clear index of the most popular loan options available in Hawaii and detailed explanations of how each program works.
Loan Programs Available in Hawaii
- DSCR Loans in Hawaii
- Commercial Loans in Hawaii
- Hard Money Loans in Hawaii
- Bridge Loans in Hawaii
- SBA 7(a) Loans in Hawaii
- SBA 504 Loans in Hawaii
- Commercial Construction Loans in Hawaii
- CMBS Loans in Hawaii
- Real Estate Investment Loans (REIL) in Hawaii
- Development Loans in Hawaii
- Mezzanine Loans in Hawaii
- Non-Recourse Loans in Hawaii
Choose a Loan Program in Hawaii
🏢 DSCR Loan in Hawaii (Debt Service Coverage Ratio Loan)
DSCR (Debt Service Coverage Ratio) loans in Hawaii are designed for income-producing properties where the loan approval is based primarily on the property’s cash flow, not the borrower’s personal income. Lenders look at the property’s DSCR by comparing net operating income to the annual loan payments.
Key Highlights:
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Focuses on the property’s ability to cover its payments
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Ideal for rental portfolios, short-term rentals, and mixed-use assets
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Often limited or no personal income documentation required
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Great for investors scaling in Hawaii who reinvest rent income
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Can be used to purchase or refinance properties
This is a go-to option for Hawaii investors who want to grow their holdings using the strength of their properties rather than traditional tax-return underwriting.
💼 Commercial Loans in Hawaii
Commercial loans in Hawaii help business owners and investors finance commercial real estate, business expansion, equipment, and working capital. These programs offer flexible terms and are ideal for growing or scaling operations anywhere in Hawaii.
Basic Uses
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Purchasing or refinancing commercial real estate
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Expanding or acquiring a business
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Equipment and vehicle financing
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Working capital
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Construction or renovation
Key Highlights
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Flexible credit requirements
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Competitive rates and terms
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Can use business or property income to qualify
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Large loan amounts for major commercial projects
Commercial loans in Hawaii are ideal for businesses needing capital to grow, expand, or invest in real estate. They offer flexible terms, strong approval options, and can support virtually any business model in the Hawaii market.
🔑 Hard Money Loans in Hawaii
Hard money loans in Hawaii provide fast, asset-based financing for investors who need quick capital to purchase, renovate, or flip properties. These loans qualify primarily based on the value of the property, not the borrower’s income or credit.
Key Highlights
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Extremely fast approvals and funding
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Based on property value, not tax returns or income
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Ideal for flips, rehabs, and non-traditional deals
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Short-term loan structure with flexible terms
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Works for properties that traditional lenders avoid
Hard money loans in Hawaii are the go-to option for investors who need quick capital to secure or improve real estate. With flexible requirements and fast closings, these programs help investors move fast in competitive markets.
🌉 Bridge Loans in Hawaii
Bridge loans in Hawaii provide short-term financing that helps investors and business owners secure a new property while waiting for long-term financing or the sale of an existing asset. These loans offer fast access to capital and are ideal for time-sensitive opportunities.
Key Highlights
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Short-term financing for property purchases or transitions
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Fast approvals and quick closings
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Helps secure deals before permanent financing is ready
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Flexible credit and documentation requirements
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Can be used for commercial or investment properties
Bridge loans in Hawaii are perfect for borrowers who need quick capital to secure a property, cover gaps between transactions, or act before long-term financing becomes available. They keep deals moving smoothly in competitive markets.
🏛️ SBA 7(a) Loans in Hawaii
SBA 7(a) loans in Hawaii are government-backed financing options designed to help small businesses purchase real estate, expand operations, acquire equipment, or secure working capital. These loans offer some of the most flexible terms and lowest down payments available.
Key Highlights
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Loan amounts up to $5 million
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Low down payment options
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Long terms for real estate, equipment, and working capital
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Government-backed, making approvals easier
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Ideal for purchasing, expanding, or refinancing a business
SBA 7(a) loans in Hawaii are one of the most popular business financing programs due to their flexibility, favorable terms, and broad eligibility. They’re a great option for growing businesses needing affordable, long-term capital.
📄 SBA 504 Loans in Hawaii
SBA 504 loans in Hawaii offer long-term, fixed-rate financing for businesses looking to purchase commercial real estate, construct new buildings, or acquire large equipment. These loans combine funding from a Certified Development Company (CDC) and a private lender to create affordable, stable financing.
Key Highlights
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Low down payment options, sometimes as low as 10%
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Long-term fixed rates
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Ideal for owner-occupied commercial real estate
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Perfect for major expansions or equipment purchases
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Combines CDC + lender financing for stronger approvals
SBA 504 loans in Hawaii are an excellent solution for businesses wanting to acquire or improve commercial property with predictable, long-term repayments. They’re designed for stability, affordability, and business growth throughout Hawaii.
🏗️ Commercial Construction Loans in Hawaii
Commercial construction loans in Hawaii provide short-term financing to build, renovate, or expand commercial properties. These loans fund projects in stages and are ideal for developers, investors, and business owners planning new construction or major improvements.
Key Highlights
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Funding released in draws throughout construction
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Interest-only options during the build phase
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Can be used for retail, office, industrial, or mixed-use projects
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Converts to permanent financing after completion
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Works for ground-up construction and major renovations
Commercial construction loans in Hawaii offer the flexibility and capital needed to complete commercial building projects of any size. They help investors and business owners bring new developments to life across Hawaii.
🏨 CMBS Loans in Hawaii
CMBS loans in Hawaii (Commercial Mortgage-Backed Securities) are long-term, fixed-rate loans used to finance income-producing commercial properties. These loans are packaged into securities and sold to investors, which allows for competitive rates and large loan amounts.
Key Highlights
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Long-term, fixed-rate financing
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Ideal for hotels, retail centers, offices, and multifamily properties
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Higher leverage compared to traditional loans
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Non-recourse structure available
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Large loan amounts for major commercial projects
CMBS loans in Hawaii are perfect for investors seeking stable, long-term financing on income-producing commercial properties. They offer strong leverage, predictable payments, and broad property eligibility throughout Hawaii.
🏘️ Real Estate Investment Loans in Hawaii
Real Estate Investment Loans in Hawaii help investors purchase, refinance, or improve income-producing properties such as rental homes, multifamily buildings, and commercial spaces. These loans focus on the property’s income and potential return, making them ideal for growing investment portfolios.
Key Highlights
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Designed for rental, multifamily, and mixed-use properties
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Flexible qualification based on property income
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Competitive rates for long-term investing
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Works for purchases, refinances, and cash-outs
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Ideal for building or expanding a real estate portfolio
Real Estate Investment Loans in Hawaii are a powerful financing tool for investors looking to grow their holdings, secure new properties, or unlock equity. They offer flexibility and strong approval options for all types of income-producing real estate across Hawaii.
🌱 Development Loans in Hawaii
Development loans in Hawaii provide financing for large-scale real estate projects, including land acquisition, infrastructure, and early-stage construction. These loans support developers as they prepare land, create utilities, and bring new residential or commercial projects to life.
Key Highlights
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Funds land purchase, subdivision, and site improvements
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Ideal for residential, commercial, and mixed-use developments
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Flexible draw schedules during project phases
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Can convert into construction or permanent financing
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Works for both small and large development projects
Development loans in Hawaii give developers the capital needed to transform land into valuable, income-producing real estate. They offer flexible structures designed to support every stage of the development process across Hawaii.
🏙️ Mezzanine Loans in Hawaii
Mezzanine loans in Hawaii are a hybrid form of financing that combines elements of debt and equity. These loans help developers and business owners bridge funding gaps in large commercial projects, offering higher leverage than traditional financing.
Key Highlights
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Provides additional capital above senior financing
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Can be secured by equity in the project
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Higher leverage for large commercial developments
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Flexible repayment structures
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Ideal for expansions, acquisitions, and major real estate projects
Mezzanine loans in Hawaii give developers and investors access to powerful supplemental financing. They help bridge gaps between equity and senior debt, enabling larger or more complex commercial projects across Hawaii.
🛡️ Non-Recourse Loans in Hawaii
Non-recourse loans in Hawaii allow investors to finance commercial properties without personal liability. In the event of default, the lender can only claim the property itself — not the borrower’s personal assets — making these loans a powerful tool for risk management.
Key Highlights
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Borrower is not personally liable
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Secured solely by the property
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Ideal for income-producing commercial real estate
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Strong asset protection for investors
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Often used with CMBS or large commercial deals
Non-recourse loans in Hawaii provide strong asset protection and are ideal for investors seeking to limit personal liability. These loans are commonly used for stabilized, income-producing commercial properties across Hawaii.
About Hawaii
Hawaii, which became a state in 1959, offers one of the most distinctive commercial landscapes in the United States. Its island economy is anchored by major markets such as Honolulu, Hilo, Kailua-Kona, Kahului, and Lihue, each providing opportunities in hospitality, retail, multifamily housing, tourism-related development, and specialty commercial projects. With millions of visitors arriving every year, demand remains strong for hotels, rental properties, mixed-use spaces, and service-driven businesses.
Hawaii’s economy is powered by tourism, military operations, healthcare, renewable energy, agriculture, and transportation, creating consistent commercial movement across the islands. The state’s geographic isolation increases the need for local infrastructure, logistics, and long-term commercial planning — making it attractive for investors who understand steady, demand-driven markets. A unique fact: Hawaii is the only U.S. state that grows coffee commercially, contributing to a niche but globally recognized agricultural sector that drives local business and tourism alike.