Same-owner comparison: 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.
Overview
Civic Financial Services (based in Redondo Beach, CA, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. Civic Financial Services serves National; ROC Capital serves National.
Civic Financial Services's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
Civic Financial Services vs ROC Capital: attribute by attribute
| Attribute | Civic Financial Services | ROC Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | Not publicly published |
| Minimum DSCR | 1.05 | Not publicly published |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $2.0M | $5.0M |
| Entity vesting | LLC required | Not publicly published |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2014 | 2014 |
| Headquarters | Redondo Beach, CA | New York, NY |
Which one fits which borrower
- Civic Financial Services publishes a minimum DSCR of 1.05; ROC Capital does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- Civic Financial Services publishes a minimum credit score of 660; ROC Capital does not publish one.
- ROC Capital's maximum loan size is $5.0M, above Civic Financial Services's $2.0M ceiling — a larger transaction may need to go to ROC Capital.
- Civic Financial Services requires LLC vesting; ROC Capital 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
- ROC Capital full profile and review
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Civic Financial Services vs ROC Capital FAQ
Civic Financial Services's published rate range is 9.5%–12%. ROC Capital's published rate range is 9.5%–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 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.
Civic Financial Services publishes a minimum credit score of 660. ROC Capital does not publish a minimum credit score.
Civic Financial Services's minimum DSCR is 1.05. ROC Capital does not publish a minimum DSCR.
Civic Financial Services's loan size runs $75K to $2.0M. ROC Capital's loan size runs $75K to $5.0M.
Civic Financial Services's typical close time is 10-21 days typical. ROC Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services or ROC 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.