Civic Financial Services vs. Renovo Financial
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 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Redondo Beach, CA | Chicago, IL |
| Founded | 2014 | 2011 |
| Geographic focus | National | National, Midwest concentration |
| Products | fix-and-flip, BRRRR, rental, bridge | fix-and-flip, BRRRR, new-construction, bridge, rental, multi-family |
| Loan size range | $75,000–$2,000,000 | $100,000–$5,000,000 |
| Max LTV | 80% | 85% |
| Max LTC | 90% | 90% |
| Terms | 12-24 months (hard money) / 30-year (rental) | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 7-14 days typical |
| Rate range | 9.5%–12% | 9.5%–12.5% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
Renovo Financial adds new-construction and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Leverage: Civic Financial Services tops out at 80% LTV / 90% LTC, against 85% / 90% at Renovo Financial. 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 describes its footprint as "National"; Renovo Financial as "National, Midwest concentration." 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; Renovo Financial quotes 9.5%–12.5% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
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
Renovo Financial
A BRRRR investor who wants one lender to carry a deal from acquisition and rehab through to the 30-year rental refinance, including multi-family properties