Aloha Capital Review
Founded 2018 · San Francisco, CA · Nationwide
4.0
Editor Rating
Aloha Capital is a tech-enabled hard money lender offering fix-and-flip and bridge loans with a focus on transparency and speed. Known for clear pricing and a streamlined digital process.
Editor's Take
Aloha Capital differentiated themselves on transparency — what you see is what you get, with clear pricing and no surprise fees at closing. In an industry where hard money lenders are notorious for last-minute fee additions, this transparency is valuable. Best for investors who've completed at least one deal and want a reliable, no-surprises flip lender.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Transparent pricing — no hidden fees
- Fast closings (7–14 days)
- No prepayment penalties
- Clean digital experience
- Good customer service
Cons
- Requires 1+ completed deal
- Higher minimum loan ($150K)
- No DSCR or long-term products
- Limited to residential properties
Loan Products Offered
Eligible Property Types
Best For
Aloha Capital Review: Frequently Asked Questions
Is Aloha Capital a legitimate lender?
Aloha Capital is an established lender founded in 2018 and headquartered in San Francisco, CA. It lends nationwide and specializes in hard money loans, fix-and-flip loans and bridge loans. To verify it for yourself, confirm Aloha Capital's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of Aloha Capital?
Pros: Transparent pricing — no hidden fees; Fast closings (7–14 days); No prepayment penalties. Cons: Requires 1+ completed deal; Higher minimum loan ($150K); No DSCR or long-term products.
What credit score do you need for Aloha Capital?
Aloha Capital's published minimum credit score is 650. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does Aloha Capital charge?
Aloha Capital's rates run approximately 8%–12% with origination fees of 1.5–2.5 points, on loans from $150K to $3M (up to 80% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
Can you close with Aloha Capital in an LLC?
Yes. Aloha Capital allows investors to take title in an LLC, which many use for liability protection and cleaner portfolio organization.
How fast can Aloha Capital close a loan?
Aloha Capital typically closes in 7–14 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.