Hard Money Lenders in Hawaii

Welcome to Optimus Capital, your trusted source for hard money loans in the beautiful state of Hawaii. If you’re a real estate investor or developer looking to seize opportunities in the Aloha State, you’ve come to the right place

Optimus Capital has closed many hard money loans throughout Hawaii. We funded over $400 million in loans. We offer up to 90% Loan-To-Value (LTV) on single-family 1 – 4 units non-owner occupied hard money loans with quick closings.

Hard Money Lenders in Hawaii

The Hard Money Loans Expert

Approaching Our 10 Year Anniversary

With our extensive experience, Optimus Capital has developed a deep understanding of the real estate market and the unique needs of borrowers. We have honed their ability to assess the value and potential of properties, enabling them to make quick and informed lending decisions. This expertise allows Optimus Capital to fund loans in a matter of days, providing borrowers with the swift financing they need to seize opportunities or overcome financial hurdles.

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Full service loans

we offer the following Hard Money loans in Hawaii

Fix and flip Loan

We offer fix and flip loans up to 90% of the purchase and 100% of rehab. Draws are quick to keep your project on track. Close in 10 days or less.

Rental Loan

We offer non-owner occupied single-family properties 1 to 4 units long-term loans. Our programs are nationwide. Up to 30-year fixed is available. We have solutions fixed for 3, 5, 7, or 10 years as well; all amortized over 30 years.

New Construction Loan

Optimus Capital offers builders new construction funding, whether for a single lot or an entire subdivision. We have the capability to finance your upcoming project, covering up to 80% of the total costs.

Optimus Capital

Recently Closed Loans

Fix n Flip Kona HI Closed Loan
Fix n Flip Post San Diego CA
Miami Beach flip post optimus capital
Fix n Flip Waianae HI Closed Loan

Our Raving Fans

Check out the reviews from our satisfied clients

Sydney George

Sydney George


A couple years ago a friend referred me to Daniel at Optimus, and since then he’s been an integral part in assisting me with the properties my partners Troy, Alex, Ryan and I close. Every transaction has been efficient and smooth, all thanks to his dedication to helping us get to the finish line with our files. He’s been by far one of the best people to work with in the business, as he treats every files with the same attention to detail and care as the last. He’s helped us close multiple DSCR and bridge loans… looking to close many more with him, with us projecting around 50-100 in 2024. Optimus has been a great company to collaborate with and will continue to do so in the future. Thanks for all the work Daniel!

Paulo Bermudez


Optimus Capital has been an excellent lender to work with. Daniel Frank was insightful, detail oriented and helpful when assisting me with a cash out refinance loan. I look forward to working with them in the future on bridge loans and a plethora of helpful products that they provide. They eliminate a lot of the fluff that comes with real estate processes and execute at a high level especially at the closing table. Count on them for your non conventional and innovative needs to strengthen your portfolio!

Alex Mendel


Daniel and his team at Optimus Capital are top notch. We closed several loans last year and looking forward to working with them more in 2023. I cannot recommend them enough and value my relationship with the entire team at Optimus Capital. Thanks Optimus!


Anthony Phillips


Performance is very important. I can confidently say that Optimus Capital Inc. has always performed on their promises. I have obtained several loans myself and referred them to my clients, and can attest to quick closing and promised terms. They are second to none in my book!

Hawaii Hard Money Lender FAQs

Frequently Asked Questions

Hard money lending is a type of short-term financing typically used by real estate investors or individuals who need quick access to capital. It involves borrowing money from private investors or companies that specialize in hard money loans, using the property as collateral.

The process begins by submitting an application to the hard money lender, including details about the property, the borrower’s financial situation, and the purpose of the loan. The lender assesses the property’s value and the borrower’s ability to repay the loan. If approved, the lender typically provides funding within a shorter timeframe compared to traditional lenders.
While eligibility requirements can vary between lenders, hard money loans primarily focus on the value of the property and its potential for generating returns. Borrowers with poor credit scores or unconventional income sources may still qualify for a hard money loan, as long as the property holds sufficient value.
Hard money loans are commonly used for various real estate investments, such as fix-and-flip projects, land acquisition, construction, or renovation. Residential properties, commercial buildings, multi-unit apartments, and even vacant land are generally eligible for hard money financing.
Unlike traditional bank loans, hard money loans are typically based on the collateral’s value rather than the borrower’s creditworthiness. Hard money lenders can provide faster approval and funding, as they focus on the property’s potential rather than extensive documentation and strict underwriting processes.

Secure Your Loan Preapproval Today!

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