CIVIC is your local San Diego 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 San Diego 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 San Diego 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 San Diego.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to San Diego 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 San Diego private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. San Diego 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 San Diego 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!
Ben and team were very helpful and supportive
Fund quickly and very responsive
Great company that always makes it happen Jackie and her team are professionals!
The list of products you offered are more than most lenders and your service is excellent and fast
Very supportive and quick close. Arnold is great to work with
I really enjoyed the experience with Civic due to the customer service of KB. He helped to make this experience seem less and was very patient with my questions.
Best result are always coupled with HI CALIBER reps like Chris Lushina. His experience , knowledge of loan products coupled with hiscommunication skills to trouble shoot issues that may be slowingup approvals and closings have been simply AMAZING. In each […]
I was impressed from start to finish by the execution and dedication from my team at Civic. Marisa and Marshall consistently provided fast updates and made me feel like we were always a few steps ahead in the loan process. […]
Great job Jack! Thank you!
Competitive rates for real estate investments. Great customer service
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
Once again, Nick Flowers has exceeded expectation. A true pro and a pleasure to work with. Look forward to an amazing 2020 and beyond working with Nick and Civic!
Paige is simply the best ! Super professional and helpful . Thank you
Always a pleasure to work with!
Excellent follow up and teamwork to get the loan closed
Very quick and efficient
Great lender with overall great products. My account executive Jo Jones is the best!
Jack Lupo is the GREATEST!!!He is alway helpful and knows how to work with our customers. THANKS JACK
Good service, easy to work with
Process was explained thoroughly. Expectations were exceeded. Customer service was top notch. Constant updates. Very happy all around
Brian Fung and his team were amazing – they closed my loan within 10 days! The underwriting and loan process went extremely smoothly without any hiccups. The loan time periods can be very frustrating and stressful but they made it […]
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
It was a quick close
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
Pleasure working with them!
Awesome service provided
Easy and transparent to work with!
Simply the BEST! Friendly, prompt and helpful
Job well done. My clients are very happy.
They really do what they say. We needed to close in a short time. They said they were able to do it and they did it. It was a very seamless and stress free experience. Civic is by far the […]
Great customer service
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Always the best service- thank you Civic! Keep it going!
Civic has consistently delivered on their promise to support our business. We have done several deals with Civic now and they consistently deliver with excellence. Melissa Salinas and Michael Hoyt are high professionals, very knowledgeable and fast!
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
Jame was real helpful and the process is Simple and Quick
CIVIC is the best choice if you need to get your loan done fast and easy!
Excellent work, especially from Eli. He is a great support for business. Thank you
Great service, very responsive and supportive throughout process
Justin was quick and available for questions I had at any time throughout the week. That was a big one for me since I like to work quickly and figure out problems as soon as they arise! Thanks again for […]
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Thanks for the promptness of Rance Brown got my refinance cash out on investment property. The whole process went easy and quickly . Application to closing was much quicker than I anticipated. I am more than satisfied with my experience […]
The loan process was quick and the fee’s are reasonable.
Another 5 Star experience with Marco and Corey!
Rance and his team has helped us through our loan process in such a professional manner. Rance has really made the process smooth and stress free. He was always available for questions and provided good customer service. We will definitely […]
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 […]
Civic did it again! One more happy customer.
Civic was easy to work with and helped me achieve my real estate goals.
Great bank to work with
I had a great experience with Civic!
Reliable and Convenience
Excellent service and turn-around time!
Completed refi seamless and communication was completed in a timely.
Talar was quick to respond to any questions I had and she and her team completed the transaction with efficiency and professionalism
Patrick Morgan is the best, very professional and responsive. He is always available when you have questions and always keeping me updated on the status of my loan. So far Patrick and Civic Financial have been outstanding.
I started working with a different lender that kept delaying and pushing back the close. I almost lost the deal, but when I started with Civic and Jack things started moving and we made the deal happen
Have you ever been at an event with arms raised in the air, pumping both hands up and up? That’s what is feels like working with Civic. Each contact is super positive, elevating your confidence in the transaction. Each closing […]
Fast service, excellent team
Best company I’ve ever worked with.
Great Service and Team Work!
Justin was great to work with and helped me push this through so fast. Great person!!!
Jacqueline and Rebecca always do a great job for my borrowers
The amount of time it took to expedite the closing. Along with the professionalism. Justin and his team made this a very easy process.
Have closed three loans and each time every effort has been made to close the loan ASAP
Great personal attention!Civic (and Randi) do what they say!!!
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.
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
Randy was really helpful to work with. She always kept me informed of the process. I really would highly recommend her to my friends and family
Melissa is very professional. It was a very easy deal again.
I’ve been using Civic financial for over two years now and Will Dodson is one of my favorite Account executive’s of all time. . . . . he’s courteous , knowledgeable and get things done on time. I would highly […]
I was impressed from start to finish by the execution and dedication from my team at Civic. Marisa and Marshall consistently provided fast updates and made me feel like we were always a few steps ahead in the loan process. […]
If you have a loan that fits their box. They are extremely good.
Civic delivers every time!
Justin was great! Did a very well job!
The contract to close was efficient. My buyer changed lenders a week into the process, which put the process a little bit behind, but we got it done. Some of the communication was misunderstood and the cash to close was […]
Josh provided quick and professional service while being able to provide us a competitive rate and term.
Quick close, great service from Peter K
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
Civic has a great process and are fair
Easy to deal with and on top of things for a quick close!Thanks for all your help!.
Honest, fast and delivered every promise. Great communication.
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
John Paul is the best rep!
Justin Cohen was my Loan Officer and from now on is my Loan Officer. He helped me to buy my first investment property. I am totally new at this. He was very patient with me from the beginning. He explained […]
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
Bijan was extremely efficient, clear and concise. I appreciated him walking me through the new parts of the process. The aforementioned coupled with his great personality makes him awesome! Looking forward to many more deals in the future thanks to […]
Love the communication, quick response and friendly advisors
Marshall was very persistent and helpful. Always on top of everything. Good job!
Civic Financial has been a pleasure to work with. We thoroughly researched several lenders beforehand and went with Civic for a few reasons. First, the loan application website was modern and streamlined. It was extremely easy to get started and […]
Great products for investors
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 […]
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
Civic is an extremely reliable company, and Scott gave us superb service
I really enjoyed working with Randi. She was available and took the time to explain the process to me, as this was my first time working with Civic
Marco and his team are great! They make the process so easy!
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 […]
Great customer service provided by Trevor Niemann!
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 […]
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
The process of closing the loan with civic Financial was handled was superior performanceFrom the agent to the closing department I was very satisfied with the Performance. I will be referring more business to your firm through my Agent
From day 1 service has been excellent. So often in this industry terms and fees are changed for the worse, not with her. I would not hesitate to recommend Savannah (Civic Financial) to anyone that is looking for a hard […]
Very professional, transparent, smooth process, and a quick closing. Delivered as promised!
James and his team are great to work with, they went out of the way to make the process smooth.
Fast close, always in communication
GREAT JOB TEAM
Civic Financial Services was great! Anthony kept me informed every step of the way and we closed on time, despite having a few issues with the wholesaler I was working with. They were also able to offer a very competitive […]
Joshua Haddad went above and beyond to close my deal. I would recommend him to any one doing a rehab fix and flip. He is extremely knowledgeable, and very responsive. every email and call i made to him, he responded […]
Quick turnaround with an amazing service
Loan process was simple and short. Civic rep Melissa Salinas was very informative and easily accessable even on weekends. She stayed in touch throughout the process
Amazing lender. Great service. Fast and efficient
Great guy to work with. I hope to work with him on the future.
Great experience and everyone was very professional
I most appreciated the responsiveness.
Great service as usual
Quick, easy, knowledgeable.
Great service and continually updating progress at every stage! Nice guy too! I’m happy with the service I received!
Seamless and organized loan process
Another smooth Transaction with Civic!
Super efficient. Great teamwork.
Quick turnaround, competitive rates & fees
This is the fifth deal we did with Civic Finanical. This company is easy to work with. Dan was very professional and did everything he can to help the funding go smoothly. We love working with Dan.
Jack Lupo is awesome! Smooth process from start to end
Patrick and his team members Rebecca + Jose coordinated another successful closing.
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.
Fast closing terms I can work with.
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
The young man who helped me through my experience with Civic was like someone I had known a long time, he was full of knowledge. I have recommended others
Branch manager Zac Miller was amazing – so easy to work with and I got funded rather quickly
Brian Fung was great to work with. . . . he was very communicative and held our hand through the entire process. I would highly recommend Civic and would definitely use them again.
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 […]
From start to end. Service is always excellent. Thank you team
The Customer Service was great. The efficiency of the flow through the process. Peter is awesome
It’s been a pleasure working with Anthony!I have already referred a friend who also closed a loan with Anthony. He is the man!!
My broker Mr James Hatcher was very helpful and knowledgeable and he did the entire process in a very short time as he told me before we started the loan application. I’m very satisfied with his services!!! Outstanding!!!
My point of contact, Michael, was exceptional from the get go. I informed him of my needs and strict targets I had set. He did everything I required and got me a fast closing. Now I’m onto my next investment. […]
Good communication,easy to work with
Great on meeting deadlines!
Level of expertise, commitment, responsiveness and ease of use
Great communication. On time and great follow up
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
You guys are the best!
Amazing Service, Fast and Furious
Steven Fisher and Corey Fueston are the reason loans get funded. Trained professionals who know how to close loans and always beat the competition. You know when you work with the right Lender when other huge companies are laying off […]
1) Overall Successful Outcome; 2) Justin, Leslie & team = complete support from beginning to end and it was badly needed on my part. . . 3) No one else would listen and give me the chance I needed to […]
Dave made this process very easy. His communication was top notch
The process was simple and fast! Loved working with CIVIC!
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
Closed on time. Quick response
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Fast and efficient loan process and closing
Upfront with everything, professional, diligent, always eager to help and solve problems
The process from beginning to end was conducted in a very professional manner. The communication was always great and the team did an amazing job working together to get deal done. This was my 1st closing with Civic and I’m […]
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Chris and his team did as they said with efficiency and courtesy
Our Account Rep, Bijan Tavazoie, has become a trusted partner. Working together on two loans now, and sharing vendor resources. I know he has our best interests at heart, and I will continue recommending his services.
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 10 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Just another stress free transaction with Civic!!
Quick service, great communication, easy process.
Jack Helfrich and Vanessa Lopez deliver a very high level of professionalism and client care. We find it is extremely rare to get this level of customer service anywhere across all of our business. Thanks!
Great communication and quick close
Marco is a STUD. Hands down he gets the job done
Good service, Heidi was great
Fast processing and excellent communication!
Because your services are awesome
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
Always a pleasure to work with Civic. Vanessa and Whit have always made sure to go the extra mile to both tailoring loans and understanding of borrower’s situations in addition to completing and clearing loans quickly and accurately. Would recommend […]
Excellent customer service!
Jacquelyn Boyle is awsome
Great experience. Closed fast and very professional. Ryder Byrne as our account manager was very easy to work with
Great work getting difficult transaction closed in a matter of days. Brian and the whole CIVIC team did a great job.
The deal did go through quickly. Everyone from the team was professional. I hope to do future business. Looking forward
Randi was professional,caring,informative and pleasant to speak with. She did everything she said she would do and some extra
Great job ! Great service !!👍🏼
On top of the whole process
Awesome services, they are very professional
Ivan’s communication and response has been excellent.
Excellent service and quick respond to questions
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 […]
Great experience in working with Tedd, Monica & Daysi at Civic. This is a great organization that works efficiently in closing your loans. I highly recommend Civic and Tedd’s team in particular.
Civic Financial is easy and very professional to work with!
Great service and products
Great experience with Civic. A solid and straightforward lender who has the needs of the investor in mind. KB helped to facilitate the process and kept things moving at a rapid pace to get things done.
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Great service , quick response
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
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.
Mariam, our loan officer, was very attentive to our needs. Civic as a lender has a very seamless process and closes fast
Mike Calvert and Merlyn Perezwere great to work with; they made the process easy to get it done and help to guide me through it
Fast fundings 🙂