Roc360
Roc360 is a vertically integrated fintech platform that originates and funds short-term residential real estate bridge loans, provides white-label capital to private lenders, and offers insurance, title, and appraisal services to small and middle-market real estate investors across the United States.
- Company typePrivate
- Founded2014
- HeadquartersNew York, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Roc360 does
Roc360 (legal entity Roc Capital Holdings LLC) is a vertically integrated financial services platform serving residential real estate investors, founded in 2014 by three former Deutsche Bank quantitative traders. The company originates short-term bridge and fix-and-flip loans typically ranging from $75,000 to $20+ million at interest rates of 8-15% over 12-18 month terms, and has cumulatively funded over $20 billion across 50,000 loans since inception. Its core customers are small and middle-market residential real estate investors plus the private lenders and commercial brokers that serve them, making Roc360 both a direct lender and the nation's leading white-label capital provider for the private lending ecosystem.
The platform operates through multiple brands: Roc Capital (wholesale capital provider), Finance of America Commercial and CIVIC Financial Services (direct lending, both acquired in 2023), Haus Lending (ML-driven lead generation), and ancillary service subsidiaries including ElmSure (property insurance via Berkshire Hathaway), Wimba Title (title insurance), Tamarisk Appraisals (appraisal management), and Roc360 Construction Management Services. The proprietary technology stack combines ATTOM Data-as-a-Service for real-time property data with machine learning models for underwriting, valuation, and risk management, adapted from the founders' quantitative trading background. House IQ was spun out in April 2025 as a standalone AI company leveraging this expertise.
Roc360 generates revenue through a combination of net interest income on retained loans, origination and structuring fees, securitization fees (including three rated residential transitional loan securitizations, most recently $200M in March 2025), insurance and title commissions, and asset management fees through the Temasek-backed Roc360 Real Estate Income Trust. Distribution is partner-led, blending wholesale (broker/TPO/correspondent) and direct-to-borrower channels across a network spanning 400+ employees in 5 countries, with services currently limited to the U.S. market.
Roc360 firmographics
Firmographics- Name
- Roc360
- Legal name
- Roc Capital Holdings LLC
- Website
- https://roc360.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Roc360 is a vertically integrated fintech platform that originates and funds short-term residential real estate bridge loans, provides white-label capital to private lenders, and offers insurance, title, and appraisal services to small and middle-market real estate investors across the United States.
- Ownership category
- akta.pro rank
Roc360 industry classification
Industry- Product category
- Residential Real Estate Lending
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310), Offices of Real Estate Appraisers (531320), Portfolio Management and Investment Advice (523940)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189), Loan Brokers (6163)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- CRE Loan Syndication & Participation (FSALADAK), Property Valuation: Appraisal Management (AMC) & Appraiser Networks (FSALALAI), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
Keywords
Where Roc360 is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Roc360 business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Residential Transitional Loans: Short-term bridge loans (12-18 months) for fix-and-flip and renovation projects, typically ranging from $75,000 to $20+ million. Interest rates typically 8-15%, generating interest income and origination fees.
- Securitization: Rated securitizations of residential transitional loans. Closed $200M rated securitization in March 2025, structured as syndicated revolving securitizations. Generates structuring fees and ongoing servicing income.
- Property Insurance (ElmSure): Quick and convenient insurance for real estate professionals through Berkshire Hathaway Group of Insurance carriers. Over $750 million of insurance bound through ElmSure.
- Title Insurance (Wimba Title): Title insurance services integrated into the platform for seamless loan closings.
- Appraisal Management (Tamarisk): Nationwide residential appraisals arranged through Tamarisk Appraisals, providing fast and reliable valuation services.
- Investment Management (REIT): Roc360 Real Estate Income Trust manages capital from institutional investors like Temasek for investment in residential transition loans. Earns management fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Platform access is free for users |
| Other | Pay-as-you-go | Fix-and-flip loan rates typically 8-12% for 12-18 month terms |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Roc360 product offering
Product offeringCore offering
Roc360 is a vertically integrated financial services platform that originates, funds, and services short-term residential real estate loans (fix-and-flip, bridge, DSCR rental, and multifamily term loans typically ranging from $75,000 to over $20 million) for small and middle-market real estate investors. It operates a multi-brand ecosystem providing white-label capital to private lenders, direct lending to borrowers and brokers, and bundled ancillary services including property insurance, title insurance, appraisal management, and construction management. The platform is supported by proprietary data science and machine learning underwriting, real-time ATTOM property data integration, and multiple capital sources including securitization and a Temasek-backed REIT.
Product overview
Roc360 is a vertically integrated real estate lending and investment management platform offering a comprehensive ecosystem of products and services for residential real estate investors. The platform operates through multiple integrated brands: Roc Capital serves as the core capital provider with white-label capabilities for private lenders; Finance of America Commercial and CIVIC Financial Services operate as direct lending sub-brands acquired to expand reach; Haus Lending provides machine learning-driven lead generation connecting investors with lenders; and ancillary services including ElmSure (property insurance), Wimba Title (title insurance), and Tamarisk Appraisals (appraisal management) complete the full loan lifecycle. The platform also manages the Roc360 Real Estate Income Trust for institutional investment in residential transition loans, and integrates ATTOM's Data-as-a-Service for property data intelligence.
Differentiator
Problem solved
Functional benefit
Brands
- Roc Capital: Full service capital provider with advanced white label capabilities for private lenders
- Finance of America Commercial
- CIVIC Financial Services
- Haus Lending
- Elmsure
- Wimba Title
- Tamarisk Appraisals
- House IQ
Products and services
- Roc Capital (Wholesale Lending Capital)
- Finance of America Commercial (Direct Lending)
- CIVIC Financial Services (Direct Lending)
- Haus Lending (Lead Generation Platform)
- ElmSure (Property Insurance)
- Tamarisk Appraisals
- Wimba Title
- Roc360 Real Estate Income Trust (REIT)
- Residential Transitional / Bridge Loan Securitization Program
- Insurance Dedicated Fund (Residential Credit Assets)
- Roc360 Construction Management Services
- Fix-and-Flip / Bridge Loans (Core Loan Product)
- DSCR Rental Loans and Multifamily Term Loans
Quantifiable outcome
- Over $20 billion in loans funded across 50,000 loans since 2014
- +4 more outcomes
Companies that use Roc360
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Roc360 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
Roc360 partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and major.
- DBRS MorningstarcoreCredit rating agency providing ratings for Roc360's $200M residential transitional loan securitization. Broad institutional participation with loans from Roc360 affiliates including Roc Capital, Finance of America Commercial, and CIVIC Financial Services.
- Deven Sharma (Advisory Board)majorAdvisory board led by Deven Sharma, formerly President of Standard & Poor's, providing strategic guidance to Roc360.
- ATTOM Data SolutionscoreData-as-a-Service partnership providing property data including recorder, assignment, foreclosure and tax data. Real-time daily updates fuel Roc360's lending engines and data science initiatives for loan origination, risk management, and geographic targeting.
- Berkshire Hathaway (Insurance)coreThrough ElmSure subsidiary, provides property and builder's risk insurance coverage for real estate interests via Berkshire Hathaway Group of Insurance carriers. Over $750M insurance bound through this partnership.
Scale indicators14 records
Recent moves9 records
Expansion highlights6 records
Roc360 competitors and assessment
Company assessmentBroad incumbents
- Better.com: Better.com is a large digital mortgage lender with a tech-driven origination platform competing for similar digitally-native mortgage customers and increasingly expanding into investor and non-QM products adjacent to Roc360.
- NewRez (subsidiary of Rithm Capital): NewRez is a top-15 US mortgage originator with non-QM and investor loan products, competing in adjacent residential mortgage segments where Roc360 operates and using institutional capital markets funding similar to Roc360's securitization program.
- CoreVest (now part of Redfin): CoreVest was a leading institutional lender to single-family rental investors before being acquired by Redfin; it remains a comparable in the residential bridge and rental financing space where Roc Capital competes.
Direct peers
- Kiavi (formerly LendingHome): Kiavi is one of the largest direct competitors to Roc360 in residential bridge lending for real estate investors, offering fix-and-flip and rental loans with a similar tech-enabled underwriting approach and similar target customer base of small/mid-market investors.
- Lima One Capital: Lima One Capital is a leading residential transition lender specializing in fix-and-flip, new construction, and rental loans for real estate investors - competing directly with Roc Capital in the same borrower segment with comparable loan products.
- Anchor Loans: Anchor Loans is a major California-based private lender to residential real estate investors offering fix-and-flip and bridge financing, directly competing with Roc Capital in the same wholesale and retail channels.
- Patch of Land: Patch of Land is a tech-enabled residential bridge lender competing with Roc360 in fix-and-flip and rental property financing for small/mid-market real estate investors using a marketplace-style platform.
- RCN Capital: RCN Capital is a nationwide private lender offering fix-and-flip, rental portfolio, and new construction loans directly comparable to Roc360's bridge and DSCR loan products, serving similar investor customers.
Emerging players
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions provides non-QM residential and business-purpose lending including investor loans, overlapping with Roc360 in residential transition lending but with a broader product set into non-owner-occupied and DSCR segments.
- Opendoor Technologies: Opendoor is a tech-enabled residential real estate platform using data science for direct home buying/selling, with overlapping data and ML capabilities applied to residential real estate valuation and risk - adjacent to Roc360's investor-lending focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks1 record
Key highlights7 records
Customer concentration
Roc360 social profiles
Digital presenceRoc360 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Roc360 leadership team
Management profileNumber of profiles
Profiles10 records
Roc360 subsidiaries and ownership
Company hierarchySubsidiaries11 records
Roc360 funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Roc360 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Roc360
What does Roc360 do?
Roc360 is a vertically integrated financial services platform that originates, funds, and services short-term residential real estate loans (fix-and-flip, bridge, DSCR rental, and multifamily term loans typically ranging from $75,000 to over $20 million) for small and middle-market real estate investors. It operates a multi-brand ecosystem providing white-label capital to private lenders, direct lending to borrowers and brokers, and bundled ancillary services including property insurance, title insurance, appraisal management, and construction management. The platform is supported by proprietary data science and machine learning underwriting, real-time ATTOM property data integration, and multiple capital sources including securitization and a Temasek-backed REIT.
Is Roc360 a public or private company?
Roc360 is a private company. It is classified as venture growth investor backed and is currently operating.
When was Roc360 founded?
Roc360 was founded in 2014. It employs 251 to 500 people.
Where is Roc360 based?
Roc360 is headquartered in New York, United States, in the North America region.
How does Roc360 make money?
Six revenue lines are on record. Residential Transitional Loans are the primary driver. The others are securitization, property Insurance (ElmSure), title Insurance (Wimba Title), appraisal Management (Tamarisk) and investment Management (REIT).
Who are Roc360's main competitors?
Broad incumbents on record are Better.com, NewRez (subsidiary of Rithm Capital) and CoreVest (now part of Redfin). Direct peers are Kiavi (formerly LendingHome), Lima One Capital, Anchor Loans, Patch of Land and RCN Capital. Emerging players are Angel Oak Mortgage Solutions and Opendoor Technologies.
Does Roc360 have an API?
No public API is recorded for Roc360.
What industry is Roc360 in?
Roc360's product category is Residential Real Estate Lending. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSALADAK, CRE Loan Syndication & Participation. Its NAICS code is 522292 and its SIC code is 6162.