CIVIC Financial Services Review 2026: Fix & Flip, Bridge, DSCR and Construction Loans
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About CIVIC Financial Services
CIVIC Financial Services, LLC was a subsidiary of Pacific Western Bank until Roc Capital Holdings (Roc360) bought its origination assets. CIVIC now operates as part of the Roc360 family of companies, which also owns Roc Capital.
Beyond loans, CIVIC offers Snap Draws, Fast Track Funding, a Home Depot Rapid Pass program, a broker program and white-label documents for brokers.
CIVIC Financial Services loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| Fix and flip | $50K–$5M (guide on file) | Up to 90% of purchase, 100% of rehab, 75% ARV LTV | Short-term | Leverage increase available for high-FICO investors |
| 1–4 unit stabilized bridge | $50K–$5M (guide on file) | Up to 90% of purchase if owned <6 months; 75% LTV if owned longer | Short-term | From 8.49% (advertised) |
| Multifamily bridge | Contact CIVIC | Contact CIVIC | Short-term | Listed on site |
| Rental (DSCR) | $50K–$5M (guide on file) | 80% purchase or rate-term, 75% cash-out | 30-year | From 6.56%, zero-point options (advertised) |
| Rental portfolio | Contact CIVIC | Blanket loans on 2+ rentals | 30-year | Listed on site |
| Ground-up construction | $50K–$5M (guide on file) | 75% of land (permitted), 100% of construction, 90% LTFC, 70% ARLTV | Short-term | Listed on site |
Rates from civicfs.com, checked November 3, 2026; advertised rates are CIVIC’s lowest and depend on FICO, experience and hold period. Leverage from CIVIC program guides on file (pre-Roc360 versions), so confirm current guidelines.
Who CIVIC Financial Services fits best
- Flippers with good credit who want high leverage plus fast draws
- Investors moving from bridge into a 30-year DSCR loan with the same lender
- Brokers who want white-label documents
What to check before you apply
- Guides on file list a 660 minimum FICO for bridge, single rental and portfolio loans.
- Since the Roc360 acquisition, some guidelines may have changed. Get a current term sheet.
- Business-purpose loans only.
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Frequently asked questions
Who owns CIVIC Financial Services?
CIVIC is part of the Roc360 family of companies. Roc Capital Holdings bought CIVIC’s origination assets from Pacific Western Bank.
What credit score does CIVIC require?
CIVIC program guides on file list a 660 minimum FICO for stabilized bridge, single rental and rental portfolio loans. Fix and flip leverage improves for high-FICO borrowers.
Does CIVIC lend to foreign nationals?
Its program guides on file list foreign nationals as eligible on fix and flip, stabilized bridge and single rental loans. Confirm with CIVIC.
Sources
- CIVIC Financial Services homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
