Civic Financial Services vs. LendingOne
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 | LendingOne Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Redondo Beach, CA | Boca Raton, FL |
| Founded | 2014 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $75,000–$2,000,000 | $85,000–$2,000,000 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Min credit score | 660 | 640 |
| Min DSCR | 1.05 | 0.75 |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 14-21 days typical |
| Rate range | 9.5%–12% | 9%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
LendingOne sets its DSCR floor at 0.75; Civic Financial Services wants 1.05. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Credit floors differ: LendingOne starts at 640, Civic Financial Services at 660. That gap only matters to a borrower sitting between the two numbers.
LendingOne adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Both cap leverage at 80% LTV / 90% LTC, so leverage isn't the variable here either.
Pricing: Civic Financial Services quotes 9.5%–12% and 1–3 points; LendingOne quotes 9%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Questions
Which has the lower DSCR floor, Civic Financial Services or LendingOne?
Which has the lower credit-score floor, Civic Financial Services or LendingOne?
Does one of these two write a loan product the other doesn't?
Which publishes the lower rate range, Civic Financial Services or LendingOne?
Which handles a larger loan, Civic Financial Services or LendingOne?
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
LendingOne
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score