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!
Civic is Great!
The loan company offered its constant support to close the business. They were very open with the information and very quick to solve any discrepancy.
Great communication, great service!
Said he could fund it and Did! Can’t ask for anymore! Thanks
Your entire team has been very helpful and accommodating through the entire process. It’s a breath of fresh air to actually reach out to some one and get the answers/ solutions I need
Excellent. I would recommend to anyone.
Very smooth transaction overall
Eli is an an exceptional account executive. His communication and people’s management skillsare out of the world. His response to all of my requests is always prompt. He’s the reason I am dealing with Civic. Also his tolerance level is […]
So many great things about CIVIC
Great terms, easy to work with
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 […]
Jack Robinson kept us informed throughout the process and always made himself available when we needed his help!!!
The loan terms are great. The loan Agent was knowledgeable and made it is to understand my requirements and suggest an appropriate loan. He was always available to resolve issues and my questions.
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Matthew Rabinowitz was extremely helpful in acquiring our bridge (gap) loan. He is very knowledgable in his field and was always available when we needed him. We will absolutely use his services in upcoming debt structuring. We would definitely recommend […]
From the moment I inquired about their loan products and up to the closing of my first brokered loan, Jack and Vanessa have been very helpful. I was impressed with the service and will recommend them to my colleagues for […]
Funding- Quick Closing
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Very good communication and speed from package submission to funding! Great Job!
Best company I’ve ever worked with.
Michael provided excellent customer service as always
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Chris was absolutely timely and did what he said he would do. I felt like he truly was working on my behalf to make this deal happen!
The rep Melissa is Awesome!
We have the opportunity to be served by Davis Bennett who from the first conversation brought clarity to the experience. He asked the key questions to understand our individuality and our financial need, and explain clearly what to expect. Davis […]
very professional, prompt, seamless, and prompt closing
Good interaction with rep. On top of deal. Did what they said they would do
Davis Bennet is the only reason I’m using Civic, very professional. Very knowledgeable of the industry, has a high degree of understanding as it relates to Real Estate Financing, and has made sure the lending process is smooth and non […]
Anthony was great in the process
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
Vanessa and Marisa are amazing!
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
Quick close. . . good job Brian Lee
You are by far the best lender we have dealt with in a long time. Thank you very much.
My loan was processed in this Corona virus crisis , and unlike my expectation they handled properly
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Great team to help get through the process.
Matt was very helpful in completing this transaction. Would not hesitate to recommend him to another.
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
Very prompt and efficient process!
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
Bijan was very responsive and always available. He and his team stayed on top of my loan and made sure that the process was quick and as painless as possible
Excellent service. Very responsive
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
It was a quick close
Very helpful staff
Anthony has been extremely helpful and accessible through the whole process.
Easy to use and work with.
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 […]
Chris Rosas, at Civic Financial Services, is truly remarkable, He is honest, caring, and firm on his convictions. He goes the extra step to help you out with the whole process. So, that you can achieve your goal. I highly […]
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 […]
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
This was my third transaction and all prior ones have gone very smoothly
Really enjoyed working with Rance; very easy and on top of the finance options. . Extremely helpful and financed in a timely Fashion
Highly recommended, special thanks to Anthony Van Eaton’s team! Great service and prompt response time to everything! Thank you Anthony, Jose and Marisa
I liked the service and professionalism of company. Jennifer is the best and knowledgeable and also she is very proactive.
Jackelyn is excellent to work with. I appreciate her transparency
Cristian was very knowledgeable. He went above and beyond his normal job duties to help get this loan closed super fast. Will definitely work with him again.
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Exceptional professionalism, attention to detail, and expediency!
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 […]
I was skeptical, but everything went really smoothly. Great communication. Closed very quickly.
Wade did a solid job
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
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.
Worked with Dave Rooker on many properties/flips I own. He is THE BEST!! As well as Gabby & Marisa at Civic Financial. I already send my family & friends to get financed from you guys!!
Closing went smoothly and Eli did a great job keeping things on track
Jackie and Rebecca were very professional and easy to work with. Any time i needed assistance they were readily available and jumped in to get my transaction completed in an effiecient and timely manner .
Melissa and herteam great to work with Thank you
Kendra and her team are professionals
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Quick Service, on-time closings!
Great loan rates. Excellent service
Excellent service. Very helpful and always answered all my questions right away
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Will recommend this to anyone needing financing. Experience with our assigned account executive overall has been very positive and efficient
The process was simple and fast! Loved working with CIVIC!
This is the second deal with Civic and, like the first, was very easy transaction
Beacause you work fast and with honesty
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 […]
Savannah is always working and is very diligent with getting back responses. Love working with her!
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
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 […]
Good follow-up and coordination between team members
Quick, easy loan
The whole process is going smoothly.
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 […]
Prompt and friendly service
This was my second experience with Civic Financial Services, they are organized and professional. You won’t get anything but the best! (Jack Robinson) he walked me through the entire process. He was in constant communication throughout the deal and was […]
Awesome service as usual!
They kept us informed step-by-step
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 […]
The team comes through every time!
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.
Great working with the Atlanta team, especially Nate!
Always a pleasure working with this amazing team!
Arnold went beyond the call of duty on this one . . tough deal but he got it thru. He is very smart when it comes to these type of deals, and im glad he is on my side
Fantastic Company! Great working with Jack!
Great processing experience with great terms and rates offered
Excellent AAA service by Account Rep!
Eli and his team were great to work with
Fast closing terms I can work with.
Quick closing! Everything that was offered was then delivered
Civic was able to quickly get us financed so that we could move on a house
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!!!
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
The process was painless, the rates are extremely good
Dan did a great job! 4 days start to close!! Very impressed!!
Overall a good experience. Lots of hard work by Bijan to make this all possible. Great Job!!
EXCELLENT SERVICE AND SUPORT
Great communication – and professionalism by each person Thank you Civic and the Rommel Team Looking forward to many more to come
Chris Lushina is great and always goes the extra mile
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 […]
We have a great team with Jack, Aly and Michael. They are always on top of our customers
Randi was very easy to work with!
Another smooth Transaction with Civic!
Matt took my file last minute after another lender changed their LTV on me while in escrow, and made it happen on time! He promised me he would get it done, and he did. As a broker, I get promised […]
You guys provide great service. We really appreciate the easy communication throughout the loan process.
Been working with Justin for a while now and he is always very helpful. Thank you!
Excellent company to work with, very fast, no complication, Steven Fisher is the best account executive and very professional
Todd’s team was great to work with, always a quick response to any issues, and I really appreciate their “can do” attitude. Truly a pleasure to work with!
Excellent customer service
Dave made this process very easy. His communication was top notch
You are very helpful and make the process easy
Rance Brown and Rebecca Porter were excellent and responsive to work with.
Jackelyn provides very good professional services and it would be different without her.
Great Rates and exceptional service
They always keep their promise. Customer support is excellent.
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 […]
Exceptional level of service
Super fast turnaround.
Many thanks to Civic Financial Services! The process was streamlined and efficient. My loan offer went above and beyond to ensure we received the best deal possible. I truly enjoyed working with the staff at CIVIC, looking forward in doing […]
The efficiency in every single step, plus the friendly and professional representatives that guide us trough the entire process
Ease of doing business, agile responsiveness, and consistent professionalism
Great job closing the transaction on time.
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Service was beyond perfect Mark, Corey and Monica are a great team!
Very pleasant, good products, quick service.
Jacqueline and Rebecca always do a great job for my borrowers
Knowledgeable, experienced, pleasant, productive
Jackie Gonzalez is the best. Great communication and she will fight for your loans. I will use you again real soon
Justin has been great and gone above and beyond, even when things have been complicated.
Good to work with and competitive rates
The customer service and response I got from the team is absolutely amazing, very please with them. Thank you Justin, Chelsea and the rest of the team
Very easy to work with, Kept me informed and closed fast! Adam and Corey are awesome, they made me comfortable during this detailed process. I also know this is a little out of your desired area and because all of […]
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
It was a pleasure working with Rance, Rebecca and Jeremy. I hope I can work with them in the future. I have already told a few clients
Things have really turned around and there has been more communication making things smoother
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Excellent service from both Rebecca and Jaqueline. Very hands on and helpful. Thanks again look forward to continuing to do business
Quality, professional and thorough from start to finish…
Process was better than expected
So helpful, easy to work with and fast. Absolutely loved this experience (it is my first ever loan and I’m so grateful for how well this went)
Mark was always quick to help with anything no matter what time of the day it was.
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
Great working with Eric, always on it
Fund quickly and very responsive
Great Work! Civic was on time and very easy to contact
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 […]
Ryder Byrne and Daysi Meza are amazing to work with. I can always count on them returning calls and emails. Their customer service is outstanding. The program offered by Civic is also great. But customer service to me is a […]
James and his team are great to work with, they went out of the way to make the process smooth
I have done many transactions with Jackelyn and everything has always been smooth. I appreciate her accessibility and fast closing times!
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
Civic worked with us to get a tough file done
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
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 […]
You guys rocked! Thank you!
Off the chart care, communication and clear concern for finding a solution benefiting me.
The account exec Mariam was amazing. She readily & promptly responded to all questions and inquiries. Clear expectations were communicated and met throughout. Very knowledgeable.
When the non-QM loan I had been working on completely disintegrated and disappeared, Civic and Eli were there to help me get a very important ReFi to the finish line. In a matter of just over two weeks, Civic took […]
Customer service and the follow through from Heidi was outstanding
Good customer service, timeframe
Quick close and an easy process
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
They were great to work with as always
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
My AE, Mariam was excellent in communicating what was going on from a status position to explaining the next steps so my borrower and I were not blind in the loan
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
Justin did a good job
My AE Jacquelyn and her team moved quickly and diligently to deliver a great product for my client. Every transaction has hiccups, however because they proactively communicated underwriting status and requirements, the entire process was stress free.
Overall service is excellent
Eli is awesome and very professional
Great customer service and easy to get in contact with
Solid underwriting, clear terms, fast closings
Anthony has been a pleasure to work with
Amazing Service, Fast and Furious
Because Jackelyn walked me through everything
My rep (Jackie) and processor (Rebecca) are fantastic!
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
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
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.
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 […]
I love how quick they are to help. I would be glad to work with Civic Financial Services again
Peter Kraemer & his team are always great to work with, excellent customer service
Loan went smoothly and quickly
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
My rep Jennifer was amazing with walking me through my first loan with Civic
Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!
Great hard money lender
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