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Home › Kapolei, HI
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Kapolei, Hawaii, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across Hawaii since 1998 — with no upfront fees and decisions in as little as 48 hours.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Kapolei and Hawaii.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Kapolei, Hawaii.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Kapolei property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Kapolei business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Kapolei and all of Hawaii. Our loan officers understand Hawaii commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Kapolei and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Hawaii with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Hawaii commercial property is concentrated on Oahu, especially Honolulu, and is shaped by tourism and hospitality, a large federal and military presence, port logistics serving the islands, and a permanently constrained supply of developable land.
Hawaii taxes rental and business income at high marginal rates but carries the lowest effective property tax rate in the nation, which materially changes how a hold-period pro forma pencils.
Land tenure matters here in a way it does not on the mainland: leasehold rather than fee simple ownership is common, and remaining lease term is a first-order underwriting question on any Hawaii commercial loan.
General information about the Hawaii market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Kapolei, Hawaii | Direct Lender Since 1998
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