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.
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
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