Lender profile
ROC Capital
hard money · New York, NY · founded 2014
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with ROC Capital before relying on them.
ROC Capital funds fix-and-flip, BRRRR, and new-construction deals through to a 30-year rental exit, with loan sizes from $75,000 to $5,000,000 at up to 80% LTV / 90% LTC and closings in 10-21 days. ROC Capital is a hard money lender, founded in 2014, headquartered in New York, NY, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge, new-construction. On the deal itself, ROC Capital publishes loan sizes from $75,000 to $5,000,000 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 figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with ROC Capital before relying on them.
Published facts
Loan size
$75,000 – $5,000,000
Max LTV
80%
Max LTC
90%
Rate range
9.5% – 12%
Points
1 – 3
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
ROC Capital 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
⬜ No SEC filing to check against — ROC Capital is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Hits (Finance of America Companies, Vornado Realty Trust/LP, Apollo Asset Backed Credit) are unrelated companies matched on generic words; no SEC registrant or subsidiary filing found. Per the site’s own record, ROC Capital and Civic Financial Services share common private ownership under Roc360, which is not an SEC filer.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What ROC Capital 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 ROC Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, ROC Capital has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 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
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
Strengths
- 30-year rental exit
- BRRRR and new-construction eligibility
- Loan sizes up to $5,000,000
- Up to 90% LTC
Who this lender suits
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold
Deal scenarios ROC Capital clears
ROC Capital does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what ROC Capital has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How ROC Capital compares
ROC Capital vs Civic Financial Services
Same-owner comparison — see why.
ROC Capital vs Iron Bridge Lending
Turns mainly on maximum loan size ($3,000,000 vs $5,000,000).
ROC Capital vs Kiavi
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).
ROC Capital vs LendingOne
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).
ROC Capital vs Lima One Capital
Turns mainly on maximum loan size ($2,500,000 vs $5,000,000).
ROC Capital vs New Silver
Turns mainly on maximum loan size ($3,000,000 vs $5,000,000).
ROC Capital vs RCN Capital
Turns mainly on maximum loan size ($3,500,000 vs $5,000,000) and LLC/entity vesting requirement.
ROC Capital vs Renovo Financial
Turns mainly on the published product lineup and terms.
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.