Private Money Lender
Fast, reliable capital for real estate investors.
Short-term, asset-secured loans with clear terms and funding in as little as 24–48 hours—no bank bureaucracy.
About Koa Bridge Capital
Koa Bridge Capital LLC is a Hawaii-based private money lender serving real estate investors and operators who need fast, reliable capital for acquisitions, bridge deals, and fix-and-flip projects. KBC brings a detail-oriented, risk-aware approach to underwriting. We focus on speed, clear terms, and direct communication—cutting through the complexity of traditional lending with a simple process and no big-bank bureaucracy.
We specialize in short-term, asset-secured loans backed by first-position liens on property. Our loans are designed for real estate professionals in Missouri, including the Kansas City area, and in Hawaii, who need capital quickly and reliably. With direct access to the principal and straightforward underwriting, we deliver the speed and transparency that serious investors demand.
Our Loan Programs
Bridge Financing
Short-term bridge loans to cover acquisition and transition periods. Ideal for investors who need immediate capital while waiting for permanent financing or property sale. Secured by first-position liens on the property.
Purchase-Money Loans
Fast capital for real estate acquisitions and purchases. We provide quick underwriting and clear terms so you can close deals faster than traditional lenders. Perfect for fix-and-flip and investment property purchases.
Rehab Financing
Dedicated capital for property rehabilitation and renovation projects. Our straightforward terms and quick decisions help you fund repairs and improvements without the delays of conventional lending. Backed by first-position liens on your property.
How It Works
1
Submit Your Request
Tell us about the property, the transaction, and your plan for the project.
2
Prompt Review
We evaluate the property and the transaction directly and respond promptly with clear terms.
3
Close
We prepare straightforward loan documents and work directly with your title company or escrow agent to close and record a first-position lien on the property.
4
Funding
Funds are wired to your title company or escrow agent, typically within 24–48 hours of approval. You make monthly interest payments and repay the principal at maturity.
Loan Terms at a Glance
- Loan type: Short-term, interest-only loans.
- Collateral: First-position lien on the real estate.
- Loan-to-value: Typically up to 75% of the property value.
- Funding speed: Typically within 24–48 hours of approval, once title and documents are in order.
- Payments: Monthly interest, with the principal due at maturity.
- Pricing: Interest plus origination points, quoted on a deal-by-deal basis.
- Borrowers: Real estate investors and operators, individually or through an LLC.
- Purpose: Business and investment purposes only. Not available for owner-occupied primary residences.
- Area: Currently Missouri, including the Kansas City area, and Hawaii only. We may expand over time.
Terms vary by transaction and are subject to underwriting and approval. This is not a commitment to lend.
Why Choose Us?
Banks are built for long-term, owner-occupied loans. Hard money lenders vary widely. Here is how Koa Bridge Capital compares, and why it matters for your deal.
| Traditional bank | Hard money lender | Koa Bridge Capital | Why it matters | |
|---|---|---|---|---|
| Speed | Weeks to months | Days to weeks | Funding typically within 24–48 hours of approval | Win the deal. Sellers take the offer that can close fast. |
| Approval based on | Your credit, income, and debt ratios | Property value and the deal | The property and the transaction, reviewed directly | No tax-return or debt-ratio hurdles. We look at the deal itself. |
| Paperwork | Extensive | Moderate | Straightforward loan documents | Less back-and-forth, so you spend time on the project, not forms. |
| Structure | Standardized products | Varies by lender | Short-term, interest-only, first-position lien | Low monthly payments while you buy, rehab, and exit. |
| Typical cost | Generally lower rates | Often higher rates and points | Interest plus origination points, quoted per deal | Clear pricing up front, with no surprises at the closing table. |
| Communication | Loan officers and underwriting queues | Often a large processing team | Direct access to the lender who makes the decision | Questions answered quickly by the person who decides. |
General comparison only. Terms vary by lender and by deal, and all loans are subject to underwriting and approval.
Frequently Asked Questions
What kinds of loans do you offer?
Short-term, interest-only loans secured by a first-position lien on real estate. Our programs cover bridge financing, purchase-money loans, and rehab financing.
How fast can you fund?
Typically within 24–48 hours of approval, once title and documents are in order.
How does funding work on a purchase?
We work directly with your title company or escrow agent. Once the loan is approved and the documents are in order, funds are wired to them to close the purchase.
How much will you lend against a property?
Typically up to 75% of the property value. Terms vary by transaction and are subject to underwriting and approval.
How do payments work?
You make monthly interest payments, and the principal is due at maturity.
What does a loan cost?
Pricing is interest plus origination points, quoted on a deal-by-deal basis after we review the property and the transaction.
Who can borrow?
Real estate investors and operators, individually or through an LLC. Loans are for business and investment purposes only and are not available for owner-occupied primary residences.
Where do you lend?
Currently, we lend only in Missouri, including the Kansas City area, and in Hawaii. We may expand to additional areas over time.
What do I need to get started?
Submit a loan request using our online form. Tell us about the property, the purchase price and expected after-repair value, your plan for the project, and how you intend to repay the loan. We will follow up with any additional documents we need.
Ready to move forward?
Tell us about your property and your deal. We respond promptly with clear terms, and can fund within 24–48 hours of approval.
Request a Loan