Civic Financial Services vs. ROC Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
Read this before the table
Common ownership. Civic Financial Services and ROC Capital are under common ownership. PacWest Bancorp halted Civic originations and sold the Civic platform to Roc360 in 2023; ROC Capital is also a Roc360 company. This is a same-owner comparison, not two independent lenders competing for the same loan.
| Criteria | Civic Financial Services Verified 17 Sep 2026 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Redondo Beach, CA | New York, NY |
| Founded | 2014 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $75,000–$2,000,000 | $75,000–$5,000,000 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Rate range | 9.5%–12% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
ROC Capital adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Both cap leverage at 80% LTV / 90% LTC, so leverage isn't the variable here either.
Loan sizing runs $75,000–$2,000,000 at Civic Financial Services and $75,000–$5,000,000 at ROC Capital — a gap that mostly matters at either end of the range.
Civic Financial Services
An LLC-titled investor who can qualify at Civic's 1.05 DSCR floor and 660 credit score for the 30-year rental exit
ROC Capital
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold