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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
Iron Bridge Lending
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.

Questions

Does one of these two write a loan product the other doesn't?
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.
Which offers more leverage, Civic Financial Services or Iron Bridge Lending?
Civic Financial Services tops out at 80% LTV / 90% LTC, against 75% / 85% at Iron Bridge Lending. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Which handles a larger loan, Civic Financial Services or Iron Bridge Lending?
Civic Financial Services runs $75,000–$2,000,000; Iron Bridge Lending runs $75,000–$3,000,000. That gap mostly matters at either end of the range.
Which closes faster, Civic Financial Services or Iron Bridge Lending?
Civic Financial Services quotes a 10-21 days typical close; Iron Bridge Lending quotes 7-14 days typical. On a competitive acquisition that gap can be the whole decision.

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

Lender profile Requirements

Iron Bridge Lending

An investor who needs short-term fix-and-flip or new-construction financing and will source the rental takeout loan separately

Lender profile

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