New Silver vs. ROC Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | New Silver Verified 17 Sep 2026 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | West Hartford, CT | New York, NY |
| Founded | 2018 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $100,000–$3,000,000 | $75,000–$5,000,000 |
| Max LTV | 85% | 80% |
| Max LTC | 90% | 90% |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 5-14 days typical | 10-21 days typical |
| Rate range | 9.5%–11.75% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
ROC Capital adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Leverage: New Silver tops out at 85% LTV / 90% LTC, against 80% / 90% at ROC 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.
Pricing: New Silver quotes 9.5%–11.75% and 1–3 points; ROC Capital quotes 9.5%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Loan sizing runs $100,000–$3,000,000 at New Silver and $75,000–$5,000,000 at ROC Capital — a gap that mostly matters at either end of the range.
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
ROC Capital
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold