Civic Financial Services vs. Iron Bridge Lending
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | Civic Financial Services Verified 17 Sep 2026 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Redondo Beach, CA | Lake Oswego, OR |
| Founded | 2014 | 2009 |
| Geographic focus | National | Western & Midwest |
| Products | fix-and-flip, BRRRR, rental, bridge | fix-and-flip, bridge, new-construction |
| Loan size range | $75,000–$2,000,000 | $75,000–$3,000,000 |
| Max LTV | 80% | 75% |
| Max LTC | 90% | 85% |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12 months |
| Typical close time | 10-21 days typical | 7-14 days typical |
| Rate range | 9.5%–12% | 9.5%–12% |
| Points | 1–3 pts | 1.5–3 pts |
Where they actually differ
Civic Financial Services also writes BRRRR and rental; Iron Bridge Lending adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Civic Financial Services describes its footprint as "National"; Iron Bridge Lending as "Western & Midwest." Neither figure is a state count, so confirm direct licensing before assuming either covers a specific property.
Pricing: Civic Financial Services quotes 9.5%–12% and 1–3 points; Iron Bridge Lending quotes 9.5%–12% and 1.5–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Loan sizing runs $75,000–$2,000,000 at Civic Financial Services and $75,000–$3,000,000 at Iron Bridge Lending — a gap that mostly matters at either end of the range.
Civic Financial Services
An LLC-titled investor who can qualify at Civic's 1.05 DSCR floor and 660 credit score for the 30-year rental exit
Iron Bridge Lending
An investor who needs short-term fix-and-flip or new-construction financing and will source the rental takeout loan separately