Civic Financial Services

CIVIC Financial Services is a nationwide direct lender focused on business-purpose real estate financing for residential investors. The company provides bridge, fix-and-flip, DSCR rental, portfolio rental, and ground-up construction loans and is part of the Roc360 family of companies.

SPECIALIZED PRODUCTS | STRAIGHTFORWARD TERMS | EXCEPTIONAL SERVICE

CIVIC specializes in the purchasing or refinancing of non-owner occupied residential properties. Civic provides Mortgage Brokers, Borrowers, Investors, and Real Estate Agents with funding for Investment property acquisition and refinancing. We use our own institutional capital to provide business purpose loans for clients that seek to:

Fix & Flip
Buy & Hold
Rate & Term
Cash Out Refinance
Bridge Financing

With a specialized set of market competitive products, CIVIC makes possible the ability to acquire multiple properties and gives investors leverage over their cash position.

Common Loan Scenarios

Bridge, Fix & Flip, Long-Term Rental Loans
Residential & Multifamily Properties
LTV up to 80%
20%+ Cash Required for Flips

Scenarios Not Considered

NO Owner-Occupied Homes
NO 100% Financing
NO Gap Funding or 2nd's
NO Rural Areas

Details and Requirements

Property Geographic Area Details

AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, MA, MD, MI, NV, NJ, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA

Loan Amounts

$67,500 to $10,000,000

Interest Rates

4.75% to 11.99%

Origination Fees

1% to 2%

Loan Terms

12 to 360 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

No minimum credit score required

Prepayment Penalty

yes

Prepayment Penalty Details

Required Interest Payments: 1 year: NONE, 2 year: 8 months

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only

Personal Guaranty (Recourse) Required

Sometimes

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation
Self-Directed IRA

Documentation Required

Credit Report
Bank Statements
Financial Statements
Loan Application

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Foreign National Required Docs: 1. Passport. 2. ITIN/EIN Number. 3. Funds must be in US Account

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

Borrowers with JV equity from outside investors okay.

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project

Property Occupancy

Vacant
Tenant Occupied 100%
Tenant Occupied Partial

Last updated: September 30, 2026

Legal Disclaimer

©2026 CIVIC Financial Services, LLC. is part of the Roc360 family of companies. A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080. *Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. All rights reserved. Equal housing lender.

Civic Financial Services’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$3,342,535,976

12mo Loan Count

8,529

Total Loan Volume

$19,369,274,764

Average Loan Size

$407,080

Loan Count by State (Past 12 Months)

NY: 2,220, NJ: 2,408, CA: 329, FL: 575, IL: 857, CT: 350, PA: 521, TX: 333, OH: 601, GA: 335

Data provided by

| Disclaimer

Company Quick Facts

Year Established: 2014
Headquarters: New York, New York
Company Type: Direct lender specializing in business-purpose real estate loans
Parent Company: Part of the Roc360 family of companies
Primary Customers: Residential real estate investors and mortgage brokers
Loan Types: Bridge Loans, Fix & Flip Loans, DSCR Rental Loans, Rental Portfolio Loans, Ground-Up Construction Loans
Property Types: Non-owner occupied 1–4 unit residential properties, multifamily properties, and residential rental portfolios
Geographic Focus: Nationwide (United States)
Lending Strategy: Business-purpose financing for acquisition, renovation, refinance, and long-term rental investments
Specialties: Fix-and-flip financing, bridge lending, portfolio rental financing, cross-collateralization, and investor-focused lending
Technology: Online borrower portal, mobile app, and digital draw management tools including Snap Draws
Previous Ownership: Acquired by Pacific Western Bank in 2021 before its origination assets were acquired by Roc360 in 2023
Notable Milestone: Since inception, the company has funded more than 10,000 loans totaling over $4.4 billion (reported in 2021).

Arizona Commercial Mortgage Banker (License No. CBK-1002735); California Finance Lender under Department of Financial Protection and Innovation (License No. 60DBO-69051); Florida Mortgage Lender Servicer (License No. MLD1778); Idaho Mortgage Broker/Lender (License No. MBL-2081804080); Minnesota Residential Mortgage Originator (License No. MN-MO-1804080) Nevada Mortgage Company (License No. NMC-1180663); North Carolina Loan Broker (Registration Filing 315); Oregon Mortgage Lender (License No. 1804080); Tennessee Industrial Loan and Thrift Company (License No. 1804080); and Utah Mortgage Entity (License No. 14210511).

Office Locations

645 Madison Ave, 19th Floor, New York, NY 10022

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Our minimum loan amount is $67,500

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