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!
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Randi communicates well and made the loan close on time
Because I love my rep and processor!
Simply the BEST! Friendly, prompt and helpful
Everyone worked very diligently, very happy
Matt is a pleasure to work with always upbeat and helpful
Once the file gets to loan docs and back to funding, loan funds right away. .
Excellent service from Beginning to end
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
Working with Brian, Gabby and Teresa is awesome! They are great at communicating and keeping me posted and move expeditiously through the process. I hope to do another deal soon!
We would definitely recommend this company! Daniel is very professional and very helpful! He worksed hard for us and got the deal done quickly! We are very happy and will continue to work with Daniel for our next deals!
This is a great team to work with
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 […]
Mr. Cohen provided me with superior prompt service and I look forward to working with this company again in the near future.
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Mariam Jasemi is hands down the best AE in the industry
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
Jackelyn provides very good professional services and it would be different without her.
Excellent service, fast response
Patrick and his team members Rebecca + Jose coordinated another successful closing.
Everything was as I was told. . . I would for sure use this company again for my financial loans in business purchases. Thank you to everyone who played a part in this! Thank you so much!!:-)
Rance is awesome, so is Rebecca. They made the loan process a breeze.They are direct lender, so they are not all the time looking to sell your loan to Wall Street, means you qualify easy.They will walk the talk and […]
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 […]
The customer service was great
This was now our second deal with Jack Lupo and both have closed without issues. We look forward to continuing to bring a block of our business to Civic in the near future.
Great service and assistance from my rep Randi, thanks!
Every closing we have with Civic has been a great one!
We had a wonderful experience. Customer did not qualify elsewhere. We transferred the loan to Civic and the process was fast and done right. Great experience for borrower as well.
As a Realtor I have closed 547 transactions in my 7 years and this company was quick and reliable. Contract go close in less than 7 days .
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
Mariam and Lillia are great
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 […]
It was a pleasure working with Matt and the rest of the Civic team. They were able to assist us in closing a deal in a short period of time. My team and I look forward to working with them […]
Fast processing and excellent communication!
This Guy is Awesome! And Amazing to work with! Not to bad on the eyes either! lol Respect his input, integrity , and professional. . . I hope he gets promoted but then again I don’t, because we need him […]
Have closed three loans and each time every effort has been made to close the loan ASAP
It’s always a pleasure working with Justin and civic It’s such a smooth process
4th transaction (this year) with the AMAZING team over at Civic and YES!!!!. . . . another quality experience with these professionals! Mid Civic rolling out a new loan product that I wanted to take advantage of, on top of […]
Working with Trevor & Kailyn was great! They made things easy for me.
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
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 […]
Great rates great service
Working with Ryder was great, he is attentive and very helpful!
Great job ! Great service !!👍🏼
It’s always a pleasure working with Civic
Quick and to the point A+ Derek
Great experience. Civic was easy to work with!
They always keep their promise. Customer support is excellent.
Good, quick, easy to work with
Fast and easy to work with
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Good follow-up and coordination between team members
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 […]
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Arnold is a true professional that I would not hesitate to recommend him.
Excellent service good communication
Jack and the whole CFS team were awesome to work with from start to closing
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.
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.
Great prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
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. […]
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
Excellent!! Quick and Simple
My AE, Melissa Salinas, and Account Manager, Michael Hoyt are the best and make my job a whole lot easier. I am grateful to their superb professionalism, as no other lender rep can compare to them
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Civic has a great process and are fair.
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
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 […]
Acct Rep was outstanding
Civic was able to quickly get us financed so that we could move on a house
very professional and easy to work with
Steve was awesome! Thanks so much!
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!!
Brian was great to work with. No big surprises and they came through faced with a tight timeframe to close the loan.
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
As always, great experience working with Michael at Civic. Great team!!!
Brian was very professional , knowledgeable and helpful
Ben and team have been great! Thank you
Brian was outstanding through out the complete loan process. He was in constant communication and always available
Civic is just amaizing and very quick, closing loans in less that 10 days,thanks to John Riturban, Marisa Davis and Jenna Alvallero. they are the best in the business. love them
Mark was easy to work with, timely and a no-hassle experience over all
First Impression was-wonderful. It’s my first time with Civic Financial Services and Cristian. Cristian was very professional, helpful and prompt. The process was smooth and he was always keeping me inform 24hours! I hope more business to come with Civic […]
Good manager / employees
They are very fast and professional
Easy to work with and they got the deal done
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
5th flip this year and 5th loan with Civic, the relationship strengthens and the profits keep rolling! Very two way profitable relationship!
Speed, communication and aggressive products.
Very quick to respond and close loans; Efficient process
Reliable and Convenience
Quick turn around for service
Great service and continually updating progress at every stage! Nice guy too! I’m happy with the service I received!
All the individuals involved in this transaction were completely helpful and professional
As in Independent sale office,the Civic Financial ‘Services” team gives us the tools, insight to overcome obstacles,education for a smooth underwriting process and eventually close and bring value to our clientsSpecifically, Jackelyn Gonzales and her team including Rebecca Potter and […]
They closed in a short period of time, and my account rep was always available to me for questions and updates. He was on top of the whole process
Anthony has been a pleasure to work with
Timely close at the right time
Ivan Oberon was great and make the process quick and easy
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
Second loan with Civic, and service is just as good as the first! Thank you guys for the amazing service and fast closings!
It was an absolute joy working with Patrick. He exceeded all of my expectations and brought a very relational side to the lending which can often be too cold. Civic has won me over. looking forward to doing more business […]
Marco and his team are so great to work with! Make the loan process easy and quick
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Peter was very helpful, very nice, and also accessible
Honestly, Randi made the entire process extremely painless. Even when the simplest snag came up, she was on the phone to resolve immediately. She was thorough, direct, and honest. I cannot wait for the next property.
Great service and customer service
Truly hard working and positive team with full intentions to close loans.
Everyone at CIVIC works hard to ensure a hassle free process every time!! Brian Fung has been exceptional in each and every transaction and so has David Levine.
Another great deal
I was working with Justin and he is amazing. Very professional.
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
Tedd G. is the greatest. Extremely knowledgeable, helpful, and for a person as busy as he must be he is consistently very prompt in responding to calls, emails, etc.
Great experience with Eli Marcus
I like working with Civic. And I always recommend to my coworkers
Very prompt and efficient process!
Great Company TO WORK WITH!
Civic FS were very fast and efficient, highly recommend!
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
I was really appreciative of the follow up, attention to detail and consultation from the loan officer, Ryder Byrne. I especially liked the programs and speed of which the transaction was funded
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 […]
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Over the years, I have developed a good sense of comparative value. […]
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
Jackelyn and Rebecca are the best . They care about every loan I sent them no matter how small or difficult it could get . They are always there ready to help . I wish all the AE from other […]
Bijan was amazing. We had a super quick closing that moved to even quicker – the wholesaler had the closing day off, so we had to close in 4 business days. He also connected me to conventional lenders
Michael was amazing at getting this done quickly and thoroughly
Prompt and friendly service
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
Excellent service always on time . A pleasure working with Anthony
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
You’re personnel and programs get the job done without a lot of hassle and underwriting multiple conditions
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
Great team and execution!
This was my third transaction and all prior ones have gone very smoothly
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. […]
The staff are amazing to work with! So, friendly and helpful. The process was absolutely painless, fast, and the rates are very competitive!
Because Justin and Chelsea were great throughout the entire process, they made sure everything that needed to be done got done and that it was a extremely smooth process
Will and the whole team did a great job on this rush file!
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!
Matt from beginning to the end of the refi process did a great job!Will definitely continue to do business with Civic Financial!
Great loan structure
The process was very easy. Having spoken with Brian on the phone many times he made it very easy and set us up with an Originate link for my buyer to apply. Then the warm handoff to his team made […]
Chris Lushina is a mover & a doer. His skills in product knowledge which best fits his clients needs are excellent. His ability to communicate to us even during ruff times with loan issues always gets the job done. He […]
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 […]
Second time using CIVIC for me. Great team to work with and seamless financing.
Very professional team, Daniel is very responsive and closed quickly.
Excellent pricing structures and low fees
I was quite impressed with the speed and efficiency with which my loan was executed
I recently closed on a transaction that was smooth which is very important to me our reputation with RE agents that bring us deals. I feel I can trust the folks at Civic to deliver what they said on time […]
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Great service closed on time
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
Rance was very helpful throughout the whole process. Great service
Justin was incredible. He stayed in contact with me through out the whole process
Because mark liker is the man. Communicates well and gets the job done
Marco is a STUD. Hands down he gets the job done
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
Knowledgeable staff and good service
Cause Jackie & Becky Rock!
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
Jackie and Rebecca are an amazing team that go far beyond the minimum required to get deals close. They understand HOW to structure and get the job done
Off the chart care, communication and clear concern for finding a solution benefiting me.
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
great working with John
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
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 […]
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Civic is my go-to lender, especially due to exceptional service by Chris […]
The team over at Civic really go above and beyond to help our clients! With all the changes we go through day to day, their continuous innovations are just what our markets need! Without Civic there would be a large […]
Justin Harrisson and Leslie Grant worked hard with me. [This was 5th real estate closing]
The whole process is going smoothly.
Awesome services, they are very professional
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Great job Jack! Thank you!
Best lending and closing experience! Will be doing future business!
Outstanding Service from Brian Fung & Gabriela
We had an excellent experience with Arnold.
Great terms, easy to work with
Arnold, David & Jenna, are always helpful. They work well together as a team
Great job Melissa and team I am very pleased with such great service and amazing customer care Melissa and her team been providing me Thank you
I received excellent service and a speedy closing hassle free
Civic Financial Services made the loan process easy and brief. I was able to secure my loan by following their simple directions and providing far less complex information. The appraisel process was inexpensive and saved me a great deal of […]
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 always on time . A pleasure working with Anthony
Bijan and the team handled the loan superbly. Ran into a small snag, but working together we were able to make it happen and close on time. Things happen in this industry and It’s nice knowing the ppl you are […]
Nick Flowers did an awesome job. Well done!
Great job as always!
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 […]
Jackelyn Gonzalez is the MVP in my team. She went far and beyond. I cannot say anything other than Jackelyn Gonzalez was heaven sent. Thank you Jackie. Many many thanks, and many more to come. Very professional, courteous, patient and […]
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.
Jame was real helpful and the process is Simple and Quick
Eli was great, he was very responsive, all Civic staff was also gave me a timely and accurate response, and they were all friendly and professional
George Jones and staff were very communicative and helpful in every area of the transaction. They saved the client from losing $30,000 in escrow. Thank you!
Fast close, always in communication
Quick, easy loan
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team