Overview
Civic Financial Services (based in Redondo Beach, CA, hard money) and Lima One Capital (based in Greenville, SC, hard money) are both non-QM lenders serving real estate investors. Civic Financial Services serves National; Lima One Capital 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 Lima One Capital: attribute by attribute
| Attribute | Civic Financial Services | Lima One Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 7%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | Not publicly published |
| Minimum DSCR | 1.05 | 1.00 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 92% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $2.0M | $2.5M |
| States covered | Not publicly published | 46 states |
| Entity vesting | LLC required | Not publicly published |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2014 | 2010 |
| Headquarters | Redondo Beach, CA | Greenville, SC |
Which one fits which borrower
- Lima One Capital's minimum DSCR is 1.00, below Civic Financial Services's 1.05 floor — Lima One Capital will consider a property that cash-flows more thinly than Civic Financial Services's minimum allows.
- Civic Financial Services publishes a minimum credit score of 660; Lima One Capital does not publish one.
- Lima One Capital's max LTC is 92% against Civic Financial Services's 90% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- Lima One Capital's maximum loan size is $2.5M, above Civic Financial Services's $2.0M ceiling — a larger transaction may need to go to Lima One Capital.
- Lima One Capital publishes coverage in 46 states; Civic Financial Services does not publish a state count. That does not mean Civic Financial Services covers fewer states, only that the figure is not published.
- Civic Financial Services requires LLC vesting; Lima One Capital does not publish a position on LLC vesting. That is a real structural difference for a borrower deciding how to hold title.
- Lima One Capital was founded in 2010, 4 years before Civic Financial Services (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Civic Financial Services full profile and review
- Lima One Capital full profile and review
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Civic Financial Services vs Lima One Capital FAQ
Civic Financial Services's published rate range is 9.5%–12%. Lima One Capital's published rate range is 7%–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. Lima One Capital does not publish a minimum credit score.
Civic Financial Services's minimum DSCR is 1.05. Lima One Capital's minimum DSCR is 1.00.
Civic Financial Services's loan size runs $75K to $2.0M. Lima One Capital's loan size runs $75K to $2.5M.
Civic Financial Services's typical close time is 10-21 days typical. Lima One Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Civic Financial Services requires LLC vesting. Lima One Capital 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 Lima One Capital, 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.