Lender profile
Civic Financial Services
hard money · Redondo Beach, CA · founded 2014
Verified Sep 17, 2026
Civic Financial Services offers a 30-year DSCR rental exit alongside its fix-and-flip and BRRRR products, with a 1.05 minimum DSCR, a 660 minimum credit score, and LLC-only origination. PacWest halted Civic originations and sold the platform to Roc360 in 2023, so Civic and ROC Capital now operate under common ownership.
Ownership & status
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.
Published facts
Loan size
$75,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
660
Min DSCR
1.05
Entity
LLC or entity required
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
Civic Financial Services does not publish a state-coverage count. Its stated geographic focus is “National” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- 1.05 minimum DSCR
- LLC-only origination
- 30-year rental exit alongside fix-and-flip and BRRRR
- Common ownership with ROC Capital since the 2023 Roc360 sale
Who this lender suits
An LLC-titled investor who can qualify at Civic's 1.05 DSCR floor and 660 credit score for the 30-year rental exit
More on Civic Financial Services
Full requirements
Credit, DSCR, leverage and loan-size criteria
Rate & points range
Published pricing, not a quote
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