Lima One Capital vs Civic Financial Services
Both offer flip + bridge + DSCR under one roof. Lima One adds construction financing; Civic is bank-backed (Pacific Western) for extra stability. Lima One is more accessible to new investors.
Shared products: Hard Money, Fix & Flip, Bridge, DSCR · Updated March 2026
4.3
Lima One Capital
Wins 5 categories
4.1
Civic Financial Services
Wins 1 categories
Full Comparison
| Feature | Lima One Capital | Civic Financial Services |
|---|---|---|
| Interest Rates | 7%–12.5%Better | 7.5%–12% |
| Max LTV | 80% | 80% |
| Min Credit Score | 660 | 640Better |
| Loan Range | $75K–$5M | $75K–$5M |
| Origination Fee | 1.5–3 points | 1–3 points |
| Speed to Close | 14–21 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 | YesBetter | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse, New ConstructionBetter | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse |
| Loan Products | 5 productsBetter | 4 products |
| Founded | 2010 | 2014 |
| Editor Rating | 4.3 / 5.0Better | 4.1 / 5.0 |
Pros & Cons
Lima One Capital
Pros
- +Broadest product range — flips, DSCR, construction, and multifamily
- +Works with first-time investors
- +Ground-up construction financing available
- +Foreign national programs
- +Multifamily up to 5+ units
Cons
- –Slightly higher rates than Kiavi for experienced borrowers
- –Origination fees on the higher end (1.5–3 points)
- –Draw process for construction can be slow
Civic Financial Services
Pros
- +Bank-backed stability (Pacific Western Bank subsidiary)
- +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 Lima One Capital or Civic Financial Services better for real estate investors?
Both offer flip + bridge + DSCR under one roof. Lima One adds construction financing; Civic is bank-backed (Pacific Western) for extra stability. Lima One is more accessible to new investors.
What loan types do Lima One Capital and Civic Financial Services both offer?
Both lenders offer Hard Money, Fix & Flip, Bridge, DSCR. Lima One Capital offers 5 total products vs Civic Financial Services's 4.
Which has lower rates, Lima One Capital or Civic Financial Services?
Lima One Capital advertises rates starting at 7% while Civic Financial Services starts at 7.5%. Lima One Capital 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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