Overview
Civic Financial Services (based in Redondo Beach, CA, hard money) and LendingOne (based in Boca Raton, FL, hard money) are both non-QM lenders serving real estate investors. Civic Financial Services serves National; LendingOne serves National.
Figures for both lenders below were checked against their published materials as of 2026-09-17. Rates and terms change and are not a quote for either lender.
Civic Financial Services vs LendingOne: attribute by attribute
| Attribute | Civic Financial Services | LendingOne |
|---|---|---|
| Interest rate range | 9.5%–12% | 9%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | 640 |
| Minimum DSCR | 1.05 | 0.75 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $75K | $85K |
| Maximum loan size | $2.0M | $2.0M |
| Entity vesting | LLC required | Not publicly published |
| Typical close time | 10-21 days typical | 14-21 days typical |
| Founded | 2014 | 2014 |
| Headquarters | Redondo Beach, CA | Boca Raton, FL |
Which one fits which borrower
- LendingOne's minimum DSCR is 0.75, below Civic Financial Services's 1.05 floor — LendingOne will consider a property that cash-flows more thinly than Civic Financial Services's minimum allows.
- LendingOne's minimum credit score is 640, lower than Civic Financial Services's 660 minimum — a borrower who clears LendingOne's credit box may not yet clear Civic Financial Services's.
- Civic Financial Services's minimum loan size is $75K, below LendingOne's $85K floor — Civic Financial Services is the fit for a smaller deal that would fall under LendingOne's minimum.
- Civic Financial Services requires LLC vesting; LendingOne does not publish a position on LLC vesting. That is a real structural difference for a borrower deciding how to hold title.
Full profiles
- Civic Financial Services full profile and review
- LendingOne full profile and review
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Civic Financial Services vs LendingOne FAQ
Civic Financial Services's published rate range is 9.5%–12%. LendingOne's published rate range is 9%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Civic Financial Services publishes a minimum credit score of 660. LendingOne publishes a minimum credit score of 640.
Civic Financial Services's minimum DSCR is 1.05. LendingOne's minimum DSCR is 0.75.
Civic Financial Services's loan size runs $75K to $2.0M. LendingOne's loan size runs $85K to $2.0M.
Civic Financial Services's typical close time is 10-21 days typical. LendingOne's typical close time is 14-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Civic Financial Services requires LLC vesting. LendingOne does not publish a position on LLC vesting.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services or LendingOne, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.