Roc Capital

What Roc Capital does

Roc Capital (Roc Capital LLC) is a U.S. B2B capital provider that funds residential real estate investment loans indirectly through a network of Third Party Originators (TPOs) and private lenders. Founded in 2014 and headquartered at 645 Madison Avenue, New York, the company operates as a subsidiary of Roc360, a vertically integrated residential real estate financial services platform formed in January 2020. Roc Capital reports having funded over $14 billion in real estate loans through origination partners and employs 450+ people, including 300+ back-office specialists and a 15-person internal valuation team.

The company's core offering spans five loan products: Stabilized Bridge, Ground Up Construction, Fix and Flip, Single Property Rental (DSCR-based, rates starting at 5.39%), and Rental Portfolio, with loan sizes from $50,000 to $3 million across 45 states. Its proprietary technology platform integrates origination, underwriting, automated credit modeling, appraisal workflow management, compliance, draw management, and document management, exposing a digital portal with instant bridge and rental pricers. Supporting services include white-label table funding (loans closed under the partner's brand with no buyback risk), full back office support, concierge relationship management, and the 360 Experience integrating insurance, appraisals, and retailer pricing.

Roc Capital generates revenue through interest income on funded loans and origination fees, monetizing institutional capital via TPO partners rather than lending directly to consumers. It goes to market through dedicated enterprise relationship managers, inside sales enabled by the digital portal, and partner-led distribution, with thought leadership in non-bank lending and DSCR investing. The primary customer base is mid-market private lenders and mortgage brokers seeking to expand product offerings without bearing capital risk, with end borrowers (fix-and-flip investors, SFR landlords, rental portfolio operators, ground-up developers) reached indirectly through that partner channel.

Name

Roc Capital

Legal name

Roc Capital LLC

Website

https://roccapital.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Roc Capital is a U.S. B2B capital provider that funds residential real estate investment loans through a nationwide network of Third Party Originators and private lenders via a white-label table funding platform, offering five core loan products with integrated back-office and technology services.

Ownership category

akta.pro rank

Product category

Residential Real Estate Private Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Private lending
• Residential bridge loans
• Fix and flip financing
• Construction lending
• Rental portfolio loans

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest and Origination Fees: Roc Capital generates revenue through interest income on loans it funds, including fix-and-flip loans, ground-up construction, stabilized bridge, single property rentals, and rental portfolio loans. DSCR rates start as low as 5.39% for rental products, with higher rates for bridge and construction products. Loan amounts range from $50,000 to $3 million depending on product type.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Roc Capital is a B2B capital provider that funds residential real estate investment loans through a nationwide network of Third Party Originators (TPOs) and private lenders. It offers five core loan products — Stabilized Bridge, Ground Up construction, Fix and Flip, Single Property Rental, and Rental Portfolio — and supplements them with white-label table funding, full back office support, a proprietary digital origination platform, and dedicated relationship management so partners can originate loans under their own brand without bearing capital or buyback risk.

Product overview

Roc Capital operates as a comprehensive private lending platform offering five core loan products for residential real estate investment: Stabilized Bridge (short-term rent-ready property financing), Ground Up (construction loans for 1-4 unit homes), Fix and Flip (renovation and resale financing), Single Property Rental (individual landlord loans), and Rental Portfolio (blanket loans for multiple properties). The platform is complemented by an integrated services ecosystem including White Label Table Funding (which allows partners to fund loans under their own brand at closing), Full Back Office Support (loan lifecycle management with 300+ experts), Full Technology Suite (proprietary digital portal for deal pricing, submission, and tracking), Concierge Service (dedicated relationship managers), and 360 Experience (integrated insurance, appraisals, and retail partnerships). Together, these offerings enable third-party originators and private lenders to scale their lending operations nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Stabilized Bridge Loan Short-term financing product for rent-ready 1-4 unit residential properties with no planned renovations, with rates starting at 8.25%, up to 85% loan-to-cost, 70% LTV, $50,000–$3,000,000 loan amount, and a 12-month term. Targeted at TPO partners and the landlords/real estate investors they serve.
• Ground Up Construction Loan Construction loans for builders of 1-4 unit residential properties, with rates starting at 8.99%, up to 75% of land value plus 100% of construction (max 85% of total project costs, up to 90% for experienced developers), 70% maximum ARV, full recourse, and a 12-month term extendable to 18 months at lender discretion. Targeted at TPO partners and the developers they serve.
• Fix and Flip Loan Funding for investors to purchase, renovate, and rent or sell 1-4 unit homes, with up to 90% LTC, up to 75% ARLTV, up to 100% of the rehab budget covered, loan amounts from $50,000 to $3 million, a 12-month standard term (18-month option case-by-case), full recourse only, and no prior experience required. Targeted at TPO partners and fix-and-flip investors.
• Single Property Rental Loan Long-term financing for landlords against cash-flowing 1-4 family houses, with DSCR rates starting at 5.39%, minimum FICO 660, up to 65% LTV (up to 80% on purchase/rate-term refi and up to 75% on cash-out), loan amounts $75,000–$2 million, 30-year amortization, fixed and adjustable rate options, and fully amortizing or partial interest-only structures. Targeted at TPO partners and individual rental investors.
• Rental Portfolio Loan Blanket loans for purchase, rate-term refinance, or cash-out on collections of 1-4 family rental houses, with up to 65% LTV (up to 80% on purchase and rate/term, up to 75% on cash-out), minimum 90% occupancy by unit count, minimum property value $72,000, max loan amount $2 million, and full recourse with pledge of equity of the borrowing entity. Targeted at TPO partners and rental portfolio investors.
• White-Label Table Funding Service through which Roc Capital advances capital at closing under the partner's entity name, with the loan discreetly assigned to Roc Capital. Partners keep their client relationship, face no loan buyback risk, and avoid representations-and-warranties exposure, enabling private lenders and TPOs to offer institutional capital-backed products under their own brand.
• Full Back Office Support Outsourced loan lifecycle services for TPO and private lender partners, including document storage, credit checks, loan servicing, underwriting, closing, and funding, delivered by 300+ in-house experts to enable partners to scale without internal capacity building.
• Full Technology Suite Proprietary digital platform for TPO and private lender partners that provides deal pricing, bridge and rental pricing tools, loan submission, and end-to-end loan tracking with instant status updates, accessible via web portal and mobile app with digital forms and authorizations.
• 360 Experience Integrated partner offering that combines property insurance, appraisals, and preferred pricing at national home improvement retailers into the loan funding experience, streamlining ancillary services for TPO partners and the real estate investors they serve.

Quantifiable outcome

• Soft approval within hours, same-week closings for prepared borrowers
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Roc360coreStrategic or Co-development Partner · 1 January 2020Roc360 is the parent holding company of Roc Capital. Formed in January 2020, Roc360 is a holding platform company encompassing a suite of products and services for real estate investors to streamline financing and investment. Roc Capital, along with Roc360 subsidiaries, has become the country's most vertically integrated residential real estate financial services platform.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Visio Lending: Visio Lending is a direct peer offering DSCR-based rental and investor loan programs, also cited in the CNBC Select list as a comparable investment property lender to Roc Capital.
• LendingOne: LendingOne is a direct competitor in fix-and-flip and rental property financing to real estate investors, cited alongside Roc Capital in the same CNBC Select best lender review.
• Anchor Loans: Anchor Loans is one of the largest fix-and-flip lenders in the U.S., operating a comparable non-bank lending model targeting residential real estate investors and private lenders.
• Genesis Capital: Genesis Capital is a fix-and-flip and bridge lender with overlapping product set and target market (residential real estate investors) closely aligned with Roc Capital's offerings.
• CoreVest: CoreVest is a direct peer providing bridge, fix-and-flip, and rental portfolio financing to residential real estate investors; it operates a similar non-bank capital-provider model with white-label and direct origination channels.
• Kiavi: Kiavi (formerly LendingHome) is a direct competitor providing fix-and-flip and rental financing to real estate investors through a similar capital-and-platform model. It is explicitly listed alongside Roc Capital in CNBC's top investment property lenders ranking.
• Lima One Capital: Lima One Capital is a direct peer offering fix-and-flip, new construction, and rental portfolio loans to residential investors, and is cited as a comparable in the same CNBC Select top lender list as Roc Capital.

Emerging players

• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM and investor loan program manager and capital provider that competes indirectly with Roc Capital by providing funding solutions to originators of non-agency residential loans.
• Groundfloor Finance: Groundfloor operates a real estate marketplace lending platform for fix-and-flip and rental debt, with a similar non-bank credit intermediation model though primarily serving smaller-balance retail investors via fractional lending.

Broad incumbents

• NewRez / CoreVest (parent context): NewRez's CoreVest subsidiary is a broad incumbent in the non-bank residential lending space; it overlaps Roc Capital's investor lending offerings while serving a wider product and channel portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Roc Capital