Direct Commercial Debt Desk · NMLS #1934536
Regional Metro Market · Hawaii

Commercial Real Estate Financing on Hawaii Island (Kona & Hilo)

BancorpOne delivers commercial mortgage brokerage across Hawaii Island (The Big Island). We finance world-renowned luxury resort destinations along the Kohala Coast, commercial light industrial and trade parks in Kailua-Kona, maritime logistics and retail around Hilo Harbor, and agricultural processing facilities for coffee and macadamia nuts.

Kona & Hawaii Island Commercial Corridors Local Lending Benchmarks

Hospitality Sizing Leverage Up to 60%–65% LTV on luxury Kohala Coast resorts; 70% with major flag
Commercial DSCR Requirement 1.20x–1.25x for industrial and multifamily; 1.35x for luxury hospitality
Debt Yield Hurdle 8.75%–10.0% reflecting Big Island commercial real estate metrics
Typical Loan Amount $2,000,000 to $65,000,000+

Metro Market Fundamentals & Economic Drivers

  • ▪ Kohala Coast luxury resort corridor hosting iconic beachfront hotels (Mauna Lani, Mauna Kea, Four Seasons Hualalai) and private residential club communities.
  • ▪ Kailua-Kona represents the dynamic commercial engine of West Hawaii with high demand for light industrial flex, retail, and marine support.
  • ▪ Hilo serves as the historic county seat, port gateway, and university research center on the island’s windward coast.

Key Submarket Footprint in Kona & Hawaii Island Commercial Corridors

Kohala Coast Luxury Resort Corridor (Waikoloa / Mauna Lani) Kailua-Kona Commercial Core & Old Industrial Area Kaloko Light Industrial Park & Airport Logistics Basin Downtown Hilo & Banyan Drive Commercial District Hilo Harbor Maritime Logistics & Industrial Terminals Waimea / Kamuela Upcountry Commercial Center
Direct Underwriting Intelligence

Frequently Answered Financing Questions

Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.

Kohala Resort Debt

Does BancorpOne arrange financing for resort properties along the Kohala Coast?

Yes. We structure senior mortgages, mezzanine debt, and bridge renovation facilities for beachfront hotels and luxury commercial hospitality along the Kohala Coast.

Underwriting evaluates historical RevPAR performance, private golf club amenities, food and beverage operations, and sponsor track record.

Explore Kohala Coast Resort Terms →
Light Industrial

What are the financing terms for industrial properties in Kaloko and Kailua-Kona?

We arrange bank balance-sheet mortgages, SBA 504 loans, and private debt for contractor warehouses, auto service facilities, and light industrial flex in West Hawaii.

Severe commercial land scarcity in Kona protects industrial rental rates and occupancy, qualifying sponsors for competitive fixed rates.

Get Kona Industrial Debt Terms →

Active Loan Programs & Neighboring Commercial Markets