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CIVIC Financial Services
Based in Redondo Beach, CA · founded 2015 · lends in 48 states
Not reviewed yet · Listing not claimed
Advertised terms
Hand-checked against lender's website · 2026-10-27- Interest rate
- 6.56%
- Points
- —
- Loan size
- $50K–$10M
- Term
- 12 months (18 case-by-case) flip; 30-year rental
- Max loan-to-cost (LTC)
- 90%
- Max of after-repair value (ARV)
- 75%
- Max loan-to-value (LTV)
- 70%
- Minimum credit score
- 660
- Speed to close
- —
- Draw process
- Draws processed within 24 hours of receiving your photos; no third-party inspector
- Personal guarantee
- Full recourse only
Terms as advertised on CIVIC Financial Services's website, last checked October 27, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
“—” means the lender's website didn't say, not that the lender doesn't offer it. Source: civicfs.com.
Where CIVIC Financial Services lends
48 states. Source: civicfs.com.
Borrower reviews
No reviews yet
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Frequently asked questions
What loans does CIVIC Financial Services offer?
According to their website: fix-and-flip loans, bridge loans, dscr rental loans. Confirm current programs with the lender.
What are CIVIC Financial Services's rates?
Advertised rates of 6.56% with — points, as advertised on their website (checked 2026-10-27).
Is CIVIC Financial Services the right lender for my deal?
It depends on your deal, leverage needs and timeline. The fastest way to know is to compare term sheets from several lenders for the same deal.
Can CIVIC Financial Services update or remove this listing?
Yes. Lenders can request corrections, claim the listing to verify their terms, or ask to be removed.
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