Overview
Civic Financial Services is a long-standing national non-QM lender with a full product suite. PacWest Bancorp halted Civic originations and sold the platform to Roc360 in 2023, so Civic and ROC Capital are now under common ownership. 75% LTV on cash-out refinance.
Civic Financial Services is based in Redondo Beach, CA and was founded in 2014. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge financing. Their loan amount range runs from $75K to $2.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Geographic coverage | National |
| Loan size | $75K – $2.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Minimum credit score | 660 |
| Minimum DSCR | 1.05 |
| Entity vesting | LLC required |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- broad product suite
- experienced team
- national reach
Ideal borrower
Mid-to-experienced investor with consistent deal flow
How Civic Financial Services compares
As an institutional non-QM lender, Civic Financial Services's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Civic Financial Services serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Civic Financial Services cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Civic Financial Services FAQ
Civic Financial Services is based in Redondo Beach, CA and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Civic Financial Services's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Civic Financial Services's typical minimum loan is $75K, with maximum loan size up to $2.0M.
Civic Financial Services's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Civic Financial Services offers fix-and-flip, BRRRR, rental, bridge financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Mid-to-experienced investor with consistent deal flow
This review is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.