CIVIC is your local Los Angeles private money lending partner that empowers its clients through excellent service. We are young, optimistic, energetic and changing the face of the hard money industry. We are backed by wall street and have the resources that support our commitment to work swiftly and tirelessly until your deal is done.
We simplify and streamline the private lending process through modern innovations, proactive communication, and hard work. At CIVIC you are not a number, you are a partner. Whether you’re an experienced investor or a first-time borrower, we are here to to help you break through traditional lending barriers to unleash ever-increasing success.
Make CIVIC your simple funding source for your Non-Owner Occupied lending needs.Learn More
Looking to purchase a multifamily property, CIVIC can help.Learn More
Make CIVIC your private funding source for your Non-Owner Occupied lending needs.Learn More
When standard loan products don’t meet your client’s needs, CIVIC can help.Learn More
Whenever you’re ready to invest in real estate, CIVIC is ready to help.Learn More
CIVIC Financial is a Los Angeles private money lending company that lends its own capital to real estate investors looking to fix-n-flip real estate through 3 different but very streamlined hard money loan programs.
Whether you're a rookie investor or seasoned pro, our Los Angeles private money lending experts are here to make sure you achieve your goals as a real estate investor. Through our 1 and 2 year hard money loan programs, we make sure you find the right loan for your project which is why it's so important to familiarize yourself with not only the real estate side of things but also your financing options through CIVIC Financial Los Angeles.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Los Angeles real estate investors quickly. Traditional banks generally have much more stringent guidelines and hoops to jump through which equates to a lengthy approval process which leaves investors hamstrung. Private money lenders like CIVIC have become critical to the real estate investment/fix-n-flip industry because we can deliver capitol quickly providing investors with a funding source they can rely on as they grow their business.
As a Los Angeles private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Los Angeles private money lending companies like CIVIC take risks that traditional banks simply won't take on. At the end of the day, if your fix-n-flip or multifamily financing project makes sense, our Los Angeles private lending team will make sure you receive the capitol you need to finance the project, and quickly. So when you're ready to get a quick quote on your project, Click Here!
Great customer service
I believe from myexperience you are professional and looking to help people
Upfront with everything, professional, diligent, always eager to help and solve problems
The process with Civic Financial was great from start to finished and we close in days!
The folks at Civic Financial are amazing. We had two loan applications that were processed by them surprisingly fast, and the entire process was seamless and professional. We then applied for a third loan, and are already approved in a […]
Rance has been a pleasure to work with, I’m Very satisfied with Civic
Great to deal with for the 2nd time
Reliable and Convenience
So many great things about CIVIC
Very pleasant, good products, quick service.
Another 5 Star experience with Marco and Corey!
Responsive and timely. Common sense requests and requirements, and available when needed!
Works well with buyers
Jacquelyn is awesome!!!
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
The customer is unmatched
Good, quick, easy to work with
Genuine concern to help
Outstanding team work, excellent & brilliant execution, timely handling and processing of documents. Exceptional communication from start to finish
This was my first time working with Mark Liker for a hard money loan. I switched to him from my previous hard money lender, as he came highly recommended from a wholesaler friend of mine. Mark was professional, his numbers […]
Good programs. Great people
Very responsive. On top of things. Great communication with insurance agent, escrow
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
Working with ELI was a breeze. Closing was under 10 days and was unexpected
I enjoy working with Civic, mainly because of Jack Robinson, my Account Rep. He always goes above and beyond to make a deal work and see through closing. He is available to me, any time I need him, even when […]
Awesome service. Very responsive. There was a delay on the seller’s side and Civic was on top of it and was ready to close immediately.
The Customer Service was great. The efficiency of the flow through the process. Peter is awesome
Working with Civic is always a great experience. I have closed many deals already.
Outstanding Service from Brian Fung & Gabriela
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Amazing Service, Fast and Furious
Derek kept me updated and had constant good communication and was able to deliver on his word. I also appreciated that he didn’t over promise. Great experience
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Excellent job . Another done deal . Number 23
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
A number of product options made it easy to tailor the loan to our needs. Process was simple, communication was frequent and follow up to ensure everything was on track was valuable.
The team is very Professional, responsive and and handles transactions with sense of urgency
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
Will and the whole team did a great job on this rush file!
I am a broker and I direct business to Civic on a regular basis. I have worked with Civic for 3 years now and believe Civic has the best platform and operations in the industry. My rep, Chris Rosas is […]
Civic has some of the better investment property products within the financial services industry. The entire staff work very hard to provide great customer service.
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
I have now closed 4 deals with Civic and I have enjoyed the team I work with. Justin and David have worked hard on my clients and my behalf to close some difficult deals in the last few months. While […]
The representative was quick to respond to questions. The process was smooth with no unexpected conditions. Once we received “clear to close” status, the closing was set up and all parties were pleased with the closing process.
AE Kevin Victoria is very helpful to work with
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Melissa is the best!
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
Fast close, easy to work with 🙂
Extremely professional and fast. Nobody is sitting around at that company they are moving
I was quite impressed with the speed and efficiency with which my loan was executed
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
Great product and service
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Will promised up front he preformed on it, we have 20 years in the business so this is not are first time. . . thank u Civic
Great people to work with
Very Engaged, competent and has the ability to get the loan closed and is very fast when necessary!
Great communication, Quick close
Excellent service! Very impressed with Eli’s professional service.
It’s a pleasure to work along with Jo at Civic. She and her team are always very helpful. Thank you for everything!
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
Fast, friendly communication and service!
Wade is excellent!!! He willing to help and tomotivate!!!! He is a true blessing and asset to your company. Because of his positive WORDS it builds confidence!!! After talking on the phone with WADE HE ALWAYS LEAVE OFF WITH “YOU […]
Fast friendly knowledgeable…
Very easy to work with!
Civic was easy to work with and helped me achieve my real estate goals.
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Professionalism and efficiency
From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over […]
Very professional team, Daniel is very responsive and closed quickly.
Personable service, quick responses and accurate information.
The service by Wade LaRouche was extremely professional. He gave diligent answers to all questions and made himself ever available. He and Teresa Esquivel went above and beyond to make my deal happen
Good communication,easy to work with
You guys are the best!
Great service as always. Great team work
Love these guys. They always do what they say and say what they do.
Great customer service!
Cause Jackie & Becky Rock!
Davis was very attentive and communicated every step of the way
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
It was my first experience, read too many articles and did more than 20 calls before I decide that this is the best company, my process was smooth and Alan went above and beyond to answer my questions and provide […]
GREAT JOB TEAM
Jackie Gonzalez was incredible. Patrick Morgan put us in touch with her immediately the day we reached out and we closed just weeks after. Jackie was on the ball, kept us updated, was super knowledgeable and worked with us the […]
Great experience with Daniel and his team at CIVIC!
Fast Closing and Quick. Great Job Rance! Very Responsive
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
Fair cost of loan, Paige was very good to work with for all the right reasons
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
Civic is a pleasure to work with, they handled every aspect of my clients loan with the utmost professionalism and demonstrated flexibility in working to get the deal done. I will certainly be using them for upcoming loan transactions!
Timely close at the right time
Great personal attention!Civic (and Randi) do what they say!!!
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
First loan experience with Civic, but not first experience with the account rep I worked with. 1:1 say-do ratio, and the right amount of communication – I heard from them when something was needed, but communication was concise and only […]
Jackie is the best partner she follows up even when I got disinterested she kept plugging away.
I would definitely recommend Civic Financial for your real estate needs. They make the process seamless and Cameron Esquivel was the best to work with to get my transaction closed.
Very strait forward person, problem solving, and dead line focused.
Easy and quick process
Melissa, Michael and Paige were very helpful in assisting me with the deal
My account executive was really great to work with. He went out of his way to help me through the process. I was intimidated by previous sales people in the industry, but felt at ease withthe Civic financial team. The […]
Thank you Marco and team for making the process so easy
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
James is So hands on thru every process
Always good fast with great communications. Quick closings, great service
Michael provided excellent customer service as always
Justin and Team were amazing. they helped me on a very short time frame. Thank you again
Good to work with and competitive rates
Civic has been a great partner on the lending side of our deals. We are extremely satisfied with their speed on the analysis and confirmation on their interest. Also, the underwriting is very fast
Quick closing! Everything that was offered was then delivered
I felt the team was fast and responsive
I gave a perfect 10 rating to Civic, because of my AE Nat Avendano! She was professional, always available, and extremely knowledgeable. All other parties involved in our transaction, (including our title company, which is impossible to please), agreed that […]
Joshua Haddad is fantastic! Really appreciate how attentive he is and willing to work so hard on our behalf . Hoping this really works out to a long term financial partnership!
Brian and Kailyn were awesome, always available to answer any questions even during off hours. The whole team at Civic is great making our transactions quick and seemless
My experience was primarily with Kevin Victoria, and he was fantastic. The deal got a bit hairy, and Kevin was constantly on top of it. I don’t believe it would have closed, if we worked with almost anyone else. Overall […]
Great Job! Thank you for all your help!
Cristian was courteous, kind, knowledgeable, available, helpful, and congenial. He made the process easy and enjoyable for myself and my clients. Will be my go-to from here on out.
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
My rep at Civic has been awesome and extremely responsive on always getting my loans closed on time. Jackelyn and her team are great to work with and highly recommended
Great service as usual
Randi gave great service very courtesy.
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
Justin Segal is a very pleasant person to work with. He is always very cheerful and responsive to our needs. We truly appreciate all his efforts throughout the process.
Speedy and friendly underwriting.
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
It was very easy to work with the entire Civic team . Special Thanks go out to John Riturban, Marisa Davis and Jenna Alvallero. I will be in touch again soon to refi another investment property
Tedd is the best, no matter what day of the week or hour he was always answering and replying to me, he was just great, thanks to all the team as well
We had an excellent experience with Arnold.
Good manager / employees
I would recommend Civic Financial Services to any investor looking for an investor friendly loan. I worked with Kevin Victoria and from the start he said what he could do, when he could do it and how much it would […]
We just took a loan for the first time to buy property, and Civic Financial Services did a fantastic Job in providing the loan for us on a timely manner. William was very patient and didn’t push us to take […]
Great service quick close rates very competitive-great communication
You guys provide great service. We really appreciate the easy communication throughout the loan process.
As I had mentioned it to Kendra, our loan officer, we enjoyed the experience. It was painless and Civic delivered on what they promise. Their team is on top of things and move the process along quickly. As far as […]
The closing was super fast. From beginning to end my loan was closed in 8 business days. It was such a easy process. I will definitely use them again!!!!
Really awesome service!
Said he could fund it and Did! Can’t ask for anymore! Thanks
Civic is here to make your transaction a success. Just ride their coat tails across the closing line
I had very good experience working with civic lending. Most of the things that I like is their prompt response & action. I would recommend to others .
I am giving 10 because: you know handling time matters; it is very relevant to me. Efficiency is relevant for business. Rance and his team and Civic in general provides elite customer service
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
Justin, Aly, and Marisa are the most professional and efficient team I have worked with in this space. Their steadfast approach throughout the deal cycle provides a solutions based environment, even in the most stressful situations. Beast mode!!
Great loan structure
I had a great experience closing my first deal with Civic. My account manager is fantastic. He has been nothing but responsive, professional, and easy to communicate with. We were able to close quickly and I am anticipating on doing […]
The deal was quick and efficient and the staff was helpful and answered all of my questions
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Matthew’s service was honest, thorough, and efficient from beginning to end. He made myself and my business partner completely comfortable throughout the entire process. I loved that he was always available, although we are on two opposite sides of the […]
Greatly enjoyed every step with Savannah. She was quick, welcoming & happily took care of everything I needed! Wish every business transaction was as smooth & professional. Needed money fast to secure a home & Civic got it done. Thank […]
Rance has been easy to work with and Civic is putting out some very competitive products. Kudos!
Awesome service provided
Paige is simply the best ! Super professional and helpful . Thank you
Efficient, transparent and forthcoming.
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
The process was fast and easy
Brian has wrapped up two files with a RED BOW. . .
Truly hard working and positive team with full intentions to close loans.
Jack Lupo and Michael Hoyt are always doing such and amazing job helping me throughout the process. They are always getting the job done. I appreciate all the help that I get from them and the entire Civic team. Mahalo […]
Justin is awesome!
I have worked with numerous lenders and I have to say Matt C. and his team exceed my expectations. Very professional, call/email responses and understanding my needs as investor. I am excited to work with him on more deals in […]
This was my 3rd transaction with CIVIC this year and I had full trust, as usual, that all was being taken care of during my busiest months of the year!! Truly a 5 Star service run by true professionals!!!
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
John Paul did a great job staying on top of the issues and moving this to closing
Mark was easy to work with, timely and a no-hassle experience over all
Randi was amiable and very helpful. Also, she communicates with me all the time to give any updates about my loan.
Excellent pricing structures and low fees
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
Excellent service and turn-around time!
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
EXCELLENT SERVICE AND SUPORT
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
Great cuatimer service. AE just great . transaction was closed . customer was happy
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
Everyone was so friendly and helpful and worked to meet my dead line.
Closing was Easy and painless
Monica Hawley and Dave Piasecki were extremely responsive and worked with me to get my project funded despite some very difficult circumstances! I would recommend Civic to lend on real estate deals
Nick you were awesome and the consummate professional. You are the best example of what it takes to get deals done. Look forward to many more with you
Marco and his team are so great to work with! Make the loan process easy and quick
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Great service all the way through
Because I love my rep and processor!
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
The Civic team was very helpful throughout the loan process
Great service and quick process
Rance and everyone at Civic was great to work with. Very professional, communicated extremely well. They were on top of the process from start to finish. I am looking forward to working with them again in the near future.
Have been working with Arnold for 2 years now-he is Awesome to work with
Very supportive and quick close. Arnold is great to work with
Great experience, constant and fluid communication. A lot of random variables and ambiguity in this transaction, yet it was put together professionally and handled flawlessly by the Civic team.
Working with Steve, Corey, and Chelsea is great.
Justin, Ally and Marisa are all BEASTS!!
John Paul has been helping my business with transactions for over a year now. He has great communication and even better follow up. I consider him to be a great part of my team when it comes to financing a […]
Arnold is beyond amazing – making this a very painless process – as an experienced investor i can’t find a better option than Civic- 5 stars
This was the loan from hell, borrower bought from auction.com sellers kept changing things from start to finish. Civic handled it without any problems. Melissa Salinas kept me updated and was as professional as any A/E I have ever worked […]
Dan was great communicator, Very well designed website where you can upload all the documents needed for the transactions, Competitive rates
Job well done. My clients are very happy.
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
Civic Financial closed my loan with no hiccups. I’m a commercial loan broker and the service was good and fast paying. Thanks team Civic.
They come true when you need it. It is a pleasure to work with Jackelyn and her team. Thank you.
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 6 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]