Kiavi vs Civic Financial Services
Both close in 10-21 days at a 640 credit floor. Kiavi's fully digital platform and lower starting rate (6.5% vs 7.5%) suit 1-4 unit residential investors. Civic Financial, backed by the Roc360 lending group, adds hard money, multifamily, and mixed-use eligibility plus a higher $5M max loan. Kiavi for streamlined residential; Civic for larger or commercial-adjacent deals.
Shared products: Fix & Flip, Bridge, DSCR · Updated March 2026
4.5
Kiavi
Wins 2 categories
4.1
Civic Financial Services
Wins 1 categories
Full Comparison
| Feature | Kiavi | Civic Financial Services |
|---|---|---|
| Interest Rates | 6.5%–12%Better | 7.5%–12% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640 | 640 |
| Loan Range | $100K–$3M | $75K–$5M |
| Origination Fee | 1–2 points | 1–3 points |
| Speed to Close | 10–21 days | 10–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | 3-year step-down (DSCR) |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Multifamily (5+), Mixed Use, Condo, TownhouseBetter |
| Loan Products | 4 products | 4 products |
| Founded | 2013 | 2014 |
| Editor Rating | 4.5 / 5.0Better | 4.1 / 5.0 |
Pros & Cons
Kiavi
Pros
- +Fully digital platform — apply to close online
- +Competitive rates for experienced borrowers (volume discounts)
- +Bridge-to-DSCR conversion available (one-loan BRRRR)
- +Fast closings for repeat borrowers (10–14 days on flips)
- +No experience required for DSCR loans
Cons
- –Limited to 1-4 unit residential (no multifamily or commercial)
- –No foreign national programs
- –Minimum loan $100K (excludes low-cost markets)
- –DSCR prepayment penalty (3-2-1)
Civic Financial Services
Pros
- +Institutional backing via the Roc360 lending group
- +Broad product range — flip, bridge, and DSCR
- +High max loan ($5M)
- +Works with first-time investors
- +Multifamily and mixed-use eligible
Cons
- –Less tech-forward than Kiavi or New Silver
- –Origination fees can be high on hard money products
- –Closing not quite as fast as pure hard money shops
Civic Financial Services
4.1 editor rating · 10–21 days closing
Frequently Asked Questions
Is Kiavi or Civic Financial Services better for real estate investors?
Both close in 10-21 days at a 640 credit floor. Kiavi's fully digital platform and lower starting rate (6.5% vs 7.5%) suit 1-4 unit residential investors. Civic Financial, backed by the Roc360 lending group, adds hard money, multifamily, and mixed-use eligibility plus a higher $5M max loan. Kiavi for streamlined residential; Civic for larger or commercial-adjacent deals.
What loan types do Kiavi and Civic Financial Services both offer?
Both lenders offer Fix & Flip, Bridge, DSCR. Both offer 4 products.
Which has lower rates, Kiavi or Civic Financial Services?
Kiavi advertises rates starting at 6.5% while Civic Financial Services starts at 7.5%. Kiavi has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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