Roc Capital Review
Founded 2014 · New York, NY · Nationwide
3.9
Editor Rating
Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
Editor's Take
Roc Capital is a solid all-around investor lender with competitive pricing and broad product availability. They're a good option to get a competing quote when evaluating loans from Kiavi, Lima One, or RCN Capital. Their 620 credit minimum for DSCR makes them accessible for borrowers with credit challenges.
— Bill Rice, 30+ year mortgage lending veteran
Roc Capital Review: The Full Breakdown
Roc Capital is the lending brand of Roc360, and it has grown into one of the largest players in business-purpose lending. It was founded in 2014 in New York City by Arvind Raghunathan, Maksim Stavinsky, and Eric Abramovich, starting with a secured lending fund for residential real estate investors. In 2020 the founders reorganized under a holding company, Roc360, with Roc Capital as its flagship lending brand; Stavinsky now serves as CEO.
A lot of Roc's scale has come through acquisition. In 2023 it acquired both Finance of America Commercial and the origination assets of Civic Financial Services, absorbing two sizable investor-lending operations. It's backed by institutional capital including Temasek, Singapore's sovereign wealth fund, and reports having funded more than $20 billion across roughly 50,000 loans since 2014 — more when its acquired brands are included.
For investors, Roc Capital offers hard money for flips and DSCR loans for rentals, backed by deep institutional capital and a wholesale network. One thing to keep straight: "Roc Capital" and "Roc360" are the same organization — the brand and its parent — not competing lenders. Confirm current terms for your loan, and you may reach Roc through a broker given its wholesale focus.
Pros & Cons
Pros
- Broad product range — hard money through DSCR
- Low credit minimum (620)
- Competitive pricing for volume borrowers
- High max loan amount ($5M)
- Nationwide coverage
Cons
- Origination fees vary widely (1–3 points)
- Less brand recognition than Kiavi or Lima One
- Technology platform less polished than top-tier competitors
Loan Products Offered
Eligible Property Types
Best For
Compare Roc Capital
Roc Capital Review: Frequently Asked Questions
Is Roc Capital a legitimate lender?
Roc Capital is an established lender founded in 2014 and headquartered in New York, NY. It lends nationwide and specializes in hard money loans, fix-and-flip loans, bridge loans and DSCR loans. To verify it for yourself, confirm Roc Capital's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of Roc Capital?
Pros: Broad product range — hard money through DSCR; Low credit minimum (620); Competitive pricing for volume borrowers. Cons: Origination fees vary widely (1–3 points); Less brand recognition than Kiavi or Lima One; Technology platform less polished than top-tier competitors.
What credit score do you need for Roc Capital?
Roc Capital's published minimum credit score is 620. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does Roc Capital charge?
Roc Capital's rates run approximately 7%–12% with origination fees of 1–3 points, on loans from $75K to $5M (up to 80% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
Can you close with Roc Capital in an LLC?
Yes. Roc Capital allows investors to take title in an LLC, which many use for liability protection and cleaner portfolio organization.
How fast can Roc Capital close a loan?
Roc Capital typically closes in 10–21 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.