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Civic Financial Services vs. Lima One Capital

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
Lima One Capital Verified 17 Sep 2026
Type hard money hard money
Headquarters Redondo Beach, CA Greenville, SC
Founded 2014 2010
Geographic focus National National
Products fix-and-flip, BRRRR, rental, bridge fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge
Loan size range $75,000–$2,000,000 $75,000–$2,500,000
Max LTV 80% 80%
Max LTC 90% 92%
Min DSCR 1.05 1.00
Terms 12-24 months (hard money) / 30-year (rental) 6-24 months (hard money) / 30-year (rental)
Typical close time 10-21 days typical 10-21 days typical
Rate range 9.5%–12% 7%–12%
Points 1–3 pts 1–3 pts

Where they actually differ

Lima One Capital sets its DSCR floor at 1.00; Civic Financial Services wants 1.05. A property that clears the lower bar but not the higher one is exactly what this difference decides.

Lima One Capital adds new-construction and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.

Term structure differs too: Civic Financial Services runs 12-24 months (hard money) / 30-year (rental); Lima One Capital runs 6-24 months (hard money) / 30-year (rental).

Leverage: Civic Financial Services tops out at 80% LTV / 90% LTC, against 80% / 92% at Lima One Capital. 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.

Questions

Which has the lower DSCR floor, Civic Financial Services or Lima One Capital?
Lima One Capital, at 1.00. Civic Financial Services wants 1.05. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Does one of these two write a loan product the other doesn't?
Lima One Capital adds new-construction and multi-family. 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 Lima One Capital?
Civic Financial Services tops out at 80% LTV / 90% LTC, against 80% / 92% at Lima One Capital. 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 publishes the lower rate range, Civic Financial Services or Lima One Capital?
Civic Financial Services quotes 9.5%–12%; Lima One Capital quotes 7%–12%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.
Which handles a larger loan, Civic Financial Services or Lima One Capital?
Civic Financial Services runs $75,000–$2,000,000; Lima One Capital runs $75,000–$2,500,000. That gap 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

Lender profile Requirements

Lima One Capital

A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states

Lender profile Requirements

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