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!
Arnold is wonderful and always makes the transactions go super smoooth
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Excellent service. CLAYTON DANLY went above and beyond. Highly recommend
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
Awesome lender, fast, and well priced rates
John and Jenna were very easy to deal with and did a great job keeping in touch with me on any updates. Thanks for your business!
Had the Programs and was easy to talk to to get things done
My loan officer Audre been working really hard to help us, she gave us all the info & update! Thank you
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
Extremely professional and fast. Nobody is sitting around at that company they are moving
Justin, Ally and Marisa are all BEASTS!!
Easy closing. Great rates
Civic brings efficiency to deals that always impresses me
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
Just another stress free transaction with Civic!!
I love how quick they are to help. I would be glad to work with Civic Financial Services again
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
Always a good experience.
Excellent AAA service by Account Rep!
Fast processing to approve a loan
The team comes through every time!
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!!!!
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
Ryder my loan officer was very helpful and went above and beyond to help me get through the process.
Rance and team are amazing. They are knowledgeable, passionate and always available. This is my first time working with Civic Financial and what a wonderful experience I had, I would recommend this company to anyone. Thank you Rance and team […]
Great experience with Daniel and his team at CIVIC!
Best service and well knowledge staffs
Vanessa Lopez is fantastic at Piloting us through the loan process. Jack Helfrich is always there for issues when we need him. Of course Civic is competitive with the other Hard Money lenders who approach us
Civic was always on top of it and communicated their updates at every stage
Service was beyond perfect Mark, Corey and Monica are a great team!
I’ve done multiple transactions with Civic. Easy to work with. Best rates I’ve found for the kind of projects I do
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 […]
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
Marshall was very persistent and helpful. Always on top of everything. Good job!
Great loan structure
Working with Trevor & Kailyn was great! They made things easy for me.
Matt and Corey made sure we ready to close the loan ontime. They were the best
It was a pleasure meeting Melissa Salinas at a recent REIA in Dallas. She earned our trust with her friendly nature and professionalism. Melissa and Michael Hoyt provided an excellent lending experience, knowledge and patience as my company joined a […]
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 […]
Efficient lending. Team works closely together
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Matt was outstanding ! A true professional ! A first class experience !
Jack and his team are awesome. Constant communication throughout the entire process and no surprises
Great customer service, fast service, fast underwriting, excellent loan processing team
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.
CIVIC is the best choice if you need to get your loan done fast and easy!
Reliable & friendly service
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
We had to close in a very short period and Civic and Justin Segal pulled out the stops to make it happen. We closed on time and we are already renovating the property. The terms are competitive and with Great […]
James and his team are great to work with, they went out of the way to make the process smooth.
Once again got my deal done in a quick efficient manner. Civic has been my go to lender for private money for over two years now. Keep up the good work Civic!
Fast fundings 🙂
Good loan coordinator. Easy transaction
Mark was easy to work with, timely and a no-hassle experience over all
Always able to contact and very helpful with paper work.
Eli is awesome and very professional
Great team to help get through the process.
Civic did it again! One more happy customer.
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
Great customer service!
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
Civic Financial made our year! Ben Shaevitz came as a referral when another lender was not able to help us with a mid-construction refi we were looking for. We were working under a deadline and he was able to reassure […]
Working with Rance was the best experience we have ever had in any of the lenders we have worked with in years. . . He was very professional and communicative (giving us day to day understanding of the process and […]
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
Fast Closing and Quick. Great Job Rance! Very Responsive
Nate and Aly are the best!
I have used Civic multiple times and wouldn’t hesitate to recommend them to anyone thinking of using them. The whole team works well together and moves the file along seamlessly. Grateful to get to work with Cameron
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Off the chart care, communication and clear concern for finding a solution benefiting me.
Melissa Salinas and her team is awesome. Very helpful and prompt. The process was smooth and they are very good at keeping me inform. Everyone was very friendly and professional. I would recommend Melissa to anyone who needs a hard […]
Efficiency and thorough knowledge of my needs
Cristian was extremely helpful. My processor was very new to the private money fix n flip process, and thus: essentially worthless. If Cristian was not as hands as he was, the loan would not closed as fast as it did. […]
The efficiency in every single step, plus the friendly and professional representatives that guide us trough the entire process
We make a great team
Bijan is excellent loan officer. He is caring, he is a great sales person, he has great knowledge on loan products. He also goes the extra miles to inform me deals etc. He is very easy to work with and […]
Civic is here to make your transaction a success. Just ride their coat tails across the closing line
KB really gives a personal touch. He makes you feel completely comfortable throughout the entire process. He is also very present when I have a question or need something. I would highly recommended Civic to friends and colleagues based off […]
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
Amazing and professional service
From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.
Justin was very helpful and informative throughout the whole process
Closing went smoothly and Eli did a great job keeping things on track
Ben and Vanessa were amazing to work with. Both very quickly to respond to any questions and provided superior service
Responsive and timely. Common sense requests and requirements, and available when needed!
Savannah is always working and is very diligent with getting back responses. Love working with her!
Another great transaction with Marco and his team. Got more coming, thanks for everything!
Michael Ricigliano, of Civic Financial- He offers the utmost professional business lending services tailored to our needs. BEST lender in our Real estate industry
Great experience. Civic was easy to work with!
Everyone at Civic is on the ball. My file moves quickly, everyone is responsive and communicates well and funding occurs very fast once all conditions are met.
Jack Robinson is amazing, he works side to side to help you close on time. Great customer service and he cares. . . I am bless to have him as our account executive. Thank you. 10 Deals closed this years […]
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
Jackie is the best partner she follows up even when I got disinterested she kept plugging away.
Great job ! Great service !!👍🏼
I have already mentioned Civic to several of my partners. It was really pretty easy
Buyers are Very Happy!! And will definitely do business again!!
Our Director of Business Development is amazing. We work with many different lenders, and we go with CIVIC because of our relationship we have with Ben shaevitz. I appreciate his knowledge, his communication, work ethic, commitment and accountability. If he […]
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
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
Great work!Do what they say
Melissa is very professional. It was a very easy deal again.
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
The rep Melissa is Awesome!
Zac Miller was absolutely great! Extremely professional, honest, reliable, attentive, and knowledgeable of all Civic products and guidelines. We had a very pleasant experience with the way our first loan was handled at Civic and how smooth the process was. […]
Quick, easy, professional, knowledgeable, and willing to help problem solve
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 […]
Amazing Service, Fast and Furious
Excellent communication, Team work and effort. Always a Pleasant Experience!
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 experience. Very knowledgeable and helpful team.
The customer is unmatched
great working with John
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.
On top of the whole process
I like working with Civic. And I always recommend to my coworkers
I felt very comfortable using Civic Financial as a hard money lender. There were no hidden costs and everything was kept up front. Rance Brown was an excellent account representative and was always available to answer questions. I would not […]
a pleasure working with civic and cristen Gonzales. as a hard money lender hes very knowledgeable and an important asset to my investment company. cant wait for our next transaction
Marco and his team are great!!
Great service and fast closings. They never disappoint
Fast closing terms I can work with.
Quick response from account manager and responsive processing team which lead to a fairly quick close
Very quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Good sense underwriting and favorable terms
Very helpful, friendly staff, good communication, great tastes and quick closing!
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
The team is quick to respond and easy to work with
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
Because Jackelyn walked me through everything
Civic team did an excellent job of completing my buyers purchase transaction. Dan Crouse was always readily available for any and all questions and concerns
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 […]
Rance and his team were great to work with. They were quick to respond and the process was fast
John is great to work with!
Great experience and everyone was very professional
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
Working with your reps George and Jo Jones makes this process to easy. Meeting them has saved me and my clients a lot of money to later invest :Thank you guys for everything you do
They kept us informed step-by-step
Jack Lupo and Michael Hoyt are one heck of a team. They go above and beyond to make sure that you are taken care of from loan application to funding. When there was bumps in the road they were there […]
Service. . Says it all. .
Excellent service and experience
George is a great partner. Going the extra mile through the process to deliver on time closing
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Michael Braswell was diligent and time efficient on getting both files closed given the situation.
Great Service as always
Excellent follow up, and genuine care to get the deal done and help out
Fast loan program Ryder is great and very professional; so happy for the application experience
Very good service. I especially appreciated the help from my account executive Michael
Civic is great at communicating throughout the process and are always quick to respond to questions. This is important to me
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Knowledgeable staff and good service
Fast communication, streamlined process
Because you guys do everything possible to get our deals closed!
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
Working with Josh Levine was great! The online platform is easy to follow and the process and communication exceeded my expectations. Great working with Civic!
I love working wit Melissa and Michael
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!!!
Good service, Heidi was great
I would recommend Civic to any Broker that knows how to originate non-QM private money loans. Kendra is awesome and trust her with our files.
Michael Hoyt was a pleasure to work with. Always stayed on point and made sure that we crossed our t’s and dotted our i’s to meet the deadlines needed to get my deal funded. Thank you Civic Financial Services for […]
Working with George through the process great because he was available all the time
Works well with buyers
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Civic has a great process and are fair.
Mark Liker was great to work with: product knowledge, communication, response time – fantastic experience
The Civic team is simply superb!
Working with Civic is great. My AE Justin Segal and his team are awesome. They push and get stuff done fast. They reply within minutes to every email / text or call. Their construction loan programs are awesome. I recommend […]
Fast and friendly service on loans and funding
It was a great experience working with Josh and Becky, they kept me updated on the progress and helped eliminate any surprises. The closing went very smoothly a job well done
Fast response, quick close
Matt is the best
Melissa is great to work with
Just closed my first deal with Civic. Peter K is just the best rep ever. Great communication skills, quick response and always keeps you in the loop.
Worked through everything. Very helpful and informative
Fast service, excellent team
Eric is a stand up guy to work with. Gives advice and input that helps move the transaction along quickly and on time
Justin and his team were great to work with. Always answered and returned calls and emails. Very helpful
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 […]
Working with Jack Lupo has been a great experience. He’s been nothing but awesome with knowledge, understanding and patience. I look forward to building a relationship with him and the rest of the CIVIC team. Mahalo!!
I have worked with many private lenders in the past and never, ever have I had the level of communication and customer service as I received and am still receiving from Paul McGann. He made my whole experience so easy […]
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
I would recommend them to CIVIC, more specifically refer them to work exclusively with Ben S. He is an amazing BDO, it’s a pleasure to work with him!
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
This is my 2nd loan through CIVIC FS. I’m a return customer by choice! This loan went through even faster than the 1st and the application for a repeat customer was short and sweet. I love their terms and the […]
I was working with Justin and he is amazing. Very professional.
Erich was awesome!
Great customer service and closing process
I was thrilled at how quick and easy Civic was to work with. We were even able to close early. Thank you Dave Rooker for helping me get this going. I look forward to a long relationship with Civic. Before […]
Because Justin is the best!!!!
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
It’s only been 10 months and we’ve had 5 loans with Civic. Last week we were holding 3 properties with the lender and our team at Civic (Brian, Kailyn and Mike) have held our deals through to the last inch […]
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Very helpful staff
Very easy to work with. Minimal paper work compared to other lenders. Great interest rates and length of loan options. Eli is The Man when it comes to working with greatness
This company is easy to work with Nate took great care of us
Ivan was amazing!!!! Professional and streamlined
Really awesome service!
8th loan in 12 months done in a record 11 days. Our guy Brian came through for us, we wish him many coloring sessions for the grey hairs we give him. NOT! just two minuscule conditions from Kailyn and ZERO […]
Marshall is so easy to work with and strives to get us the best rates he can, while balancing the needs of his team too. He handles others stress well and has a grounded nature that makes the whole experience […]
Good rates and good communication