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Civic Financial Services vs. New Silver

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
New Silver Verified 17 Sep 2026
Type hard money hard money
Headquarters Redondo Beach, CA West Hartford, CT
Founded 2014 2018
Geographic focus National National
Products fix-and-flip, BRRRR, rental, bridge fix-and-flip, BRRRR, rental, bridge
Loan size range $75,000–$2,000,000 $100,000–$3,000,000
Max LTV 80% 85%
Max LTC 90% 90%
Min credit score 660 660
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 5-14 days typical
Rate range 9.5%–12% 9.5%–11.75%
Points 1–3 pts 1–3 pts

Where they actually differ

New Silver 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.

Leverage: Civic Financial Services tops out at 80% LTV / 90% LTC, against 85% / 90% at New Silver. 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.

Pricing: Civic Financial Services quotes 9.5%–12% and 1–3 points; New Silver quotes 9.5%–11.75% and 1–3 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 $100,000–$3,000,000 at New Silver — a gap that mostly matters at either end of the range.

Questions

Which has the lower DSCR floor, Civic Financial Services or New Silver?
New Silver, 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.
Do Civic Financial Services and New Silver set the same minimum credit score?
Yes — both set a 660 floor, so this isn't where the two split.
Which offers more leverage, Civic Financial Services or New Silver?
Civic Financial Services tops out at 80% LTV / 90% LTC, against 85% / 90% at New Silver. 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 New Silver?
Civic Financial Services quotes 9.5%–12%; New Silver quotes 9.5%–11.75%. 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 New Silver?
Civic Financial Services runs $75,000–$2,000,000; New Silver runs $100,000–$3,000,000. 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

New Silver

A newer investor who wants fast, tech-driven underwriting and can qualify at a 0.75 DSCR and 660 credit score across New Silver's 39-state footprint

Lender profile Requirements

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