Lender profile
ROC Capital
hard money · New York, NY · founded 2014
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with ROC Capital before relying on them.
ROC Capital funds fix-and-flip, BRRRR, and new-construction deals through to a 30-year rental exit, with loan sizes from $75,000 to $5,000,000 at up to 80% LTV / 90% LTC and closings in 10-21 days.
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 – $5,000,000
Max LTV
80%
Max LTC
90%
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
ROC Capital does not publish a state-coverage count. Its stated geographic focus is “National” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- 30-year rental exit
- BRRRR and new-construction eligibility
- Loan sizes up to $5,000,000
- Up to 90% LTC
Who this lender suits
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold
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