Lender profile
Civic Financial Services
hard money · Redondo Beach, CA · founded 2014
Verified Sep 17, 2026
Civic Financial Services offers a 30-year DSCR rental exit alongside its fix-and-flip and BRRRR products, with a 1.05 minimum DSCR, a 660 minimum credit score, and LLC-only origination. PacWest halted Civic originations and sold the platform to Roc360 in 2023, so Civic and ROC Capital now operate under common ownership. Civic Financial Services is a hard money lender, founded in 2014, headquartered in Redondo Beach, CA, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge. On the deal itself, Civic Financial Services publishes loan sizes from $75,000 to $2,000,000 and leverage up to 80% LTV / 90% LTC.
Civic Financial Services and ROC Capital are under common ownership. PacWest Bancorp halted Civic originations and sold the Civic platform to Roc360 in 2023; ROC Capital is also a Roc360 company. This is a same-owner comparison, not two independent lenders competing for the same loan. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$75,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
660
Min DSCR
1.05
Rate range
9.5% – 12%
Points
1 – 3
Entity
LLC or entity required
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
Civic Financial Services does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
✅ Corporate record confirmed — a subsidiary of PacWest Bancorp (Nasdaq: PACW). 8-K filed Feb 17, 2023 .
PacWest's own 8-K describes 'Civic Financial Services, LLC, a lending subsidiary' while announcing a 2023 restructuring; PacWest's FY2022 Exhibit 21 also lists Civic Financial Services, LLC as a California subsidiary. Per the site's own record, PacWest halted Civic originations and sold the platform to Roc360 later in 2023 — Roc360 is privately held and files nothing with the SEC, so current ownership cannot be checked against a filing.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Civic Financial Services has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Civic Financial Services about, not as a criticism. Of the 11 criteria categories this directory tracks, Civic Financial Services has not published 2:
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
Strengths
- 1.05 minimum DSCR
- LLC-only origination
- 30-year rental exit alongside fix-and-flip and BRRRR
- Common ownership with ROC Capital since the 2023 Roc360 sale
Who this lender suits
An LLC-titled investor who can qualify at Civic's 1.05 DSCR floor and 660 credit score for the 30-year rental exit
Deal scenarios Civic Financial Services clears
Civic Financial Services's published criteria clear 7 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Purpose and structure (3)
Rehab and construction (1)
Leverage and pricing (2)
How Civic Financial Services compares
Civic Financial Services vs Iron Bridge Lending
Turns mainly on maximum loan size ($2,000,000 vs $3,000,000) and LLC/entity vesting requirement.
Civic Financial Services vs Kiavi
Turns mainly on DSCR floor (1.05 vs 0.80) and LLC/entity vesting requirement.
Civic Financial Services vs LendingOne
Turns mainly on DSCR floor (1.05 vs 0.75) and credit floor (660 vs 640).
Civic Financial Services vs Lima One Capital
Turns mainly on DSCR floor (1.05 vs 1.00) and maximum loan size ($2,000,000 vs $2,500,000).
Civic Financial Services vs New Silver
Turns mainly on DSCR floor (1.05 vs 0.75) and maximum loan size ($2,000,000 vs $3,000,000).
Civic Financial Services vs RCN Capital
Turns mainly on DSCR floor (1.05 vs 1.00) and maximum loan size ($2,000,000 vs $3,500,000).
Civic Financial Services vs Renovo Financial
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000) and LLC/entity vesting requirement.
Civic Financial Services vs ROC Capital
Same-owner comparison — see why.
Ownership and status
Ownership & status
Civic Financial Services and ROC Capital are under common ownership. PacWest Bancorp halted Civic originations and sold the Civic platform to Roc360 in 2023; ROC Capital is also a Roc360 company. This is a same-owner comparison, not two independent lenders competing for the same loan.