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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
Renovo Financial
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.

Questions

Does one of these two write a loan product the other doesn't?
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.
Which offers more leverage, Civic Financial Services or Renovo Financial?
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.
Which publishes the lower rate range, Civic Financial Services or Renovo Financial?
Civic Financial Services quotes 9.5%–12%; Renovo Financial quotes 9.5%–12.5%. 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 Renovo Financial?
Civic Financial Services runs $75,000–$2,000,000; Renovo Financial runs $100,000–$5,000,000. That gap mostly matters at either end of the range.
Which closes faster, Civic Financial Services or Renovo Financial?
Civic Financial Services quotes a 10-21 days typical close; Renovo Financial quotes 7-14 days typical. On a competitive acquisition that gap can be the whole decision.

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

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

Lender profile

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