CIVIC is your local Jacksonville 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 Jacksonville 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 Jacksonville 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 Jacksonville.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Jacksonville 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 Jacksonville private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Jacksonville 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 Jacksonville 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!
I enjoy working with Civic, mainly because of Jack Robinson, my Account Rep. He always goes above and beyond to make a deal work and see through closing. He is available to me, any time I need him, even when […]
Marco, thank you for the closing gifts and most importantly your close attention to detail. Most importantly closings in a timely manner! Great job! We’ve had 3 account executives with Civic and I think we only closed one deal with […]
Service. . Says it all. .
Ivan was amazing!!!! Professional and streamlined
Always a pleasure working with Peter Kraemer & his team. Professional 100% – seamless and efficient, never stressed when working with Peter. Job Well Done!
My experience with your company has been excellent. The AE that worked with me is simply awesome, the entire staff have been very helpful, efficient and simply wonderful. In spite of all the hurdles and short time frame, they all […]
Acct Rep was outstanding
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 […]
My AE makes my deals work even on the most difficult loans
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
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
Great company, they work fast and do as they say!
Rance has been a pleasure to work with, I’m Very satisfied with Civic
Dear CIVIC team, Your team worked hard and efficiently to make the deal go through. Eric Weidner was excellent in communication, help and support. He was in every step of the loan process, provided lots of support and guidance, made […]
Buyers are Very Happy!! And will definitely do business again!!
Great service and customer service
Peter was great to work with. Extremely communicative, quick to respond, friendly, knowledgeable, and ultimately offered great rates and helped us to secure a great fix and flip project in West LA!
Excellent AAA service by Account Rep!
Excellent service and experience
Fast and efficient loan process and closing
Jim and his staff were patient, professional and executed my funding with such ease. I would definitely recommend them and I plan utilize their services again for my capital needs.
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 .
Great lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
Very supportive and quick close. Arnold is great to work with
Peter was very helpful, very nice, and also accessible
Best company I’ve ever worked with.
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
I appreciate the fact that you believed in me and my dream, you gave me a chance when others did not. I will be doing more business with civic going forward that’s a guarantee!!
Have been working with Arnold for 2 years now-he is Awesome to work with
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
Dave made this process very easy. His communication was top notch
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 […]
Other than giving CIVIC the rating, the 10 goes directly to my Account Executive Jason Mendonza. Since minute one of our conversation he took the time to listen and understand my situation, if it wasn’t for him and his willingness […]
Quick hands on service. Response time from Matt almost immediate. Exceptional service
Great customer service and easy to get in contact with
Delightfully easy process!
The process is painless and simple, questions were answered quickly
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!
The service by Wade LaRouche was extremely professional. He gave diligent answers to all questions and made himself ever available. He and Teresa Esquivel went above and beyond to make my deal happen
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
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 […]
Great team, easy to work with and responsive
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 […]
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Although my particular loan situation was by far considered “normal”, CIVIC was able to approve my loan and fund. Eli kept me informed at each step and was always available to assist. Eli was very professional and educated in each […]
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
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
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Randi is great to work with. CIVIC has a very good program.
It is always apleasure to work with Civic!
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
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 […]
Civic funded 2 of my projects. They were professional and on top of getting everything done in a timely manner. Randi was amazing and kept me informed along the way. I plan on using them again.
The customer is unmatched
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 […]
Randi communicates well and made the loan close on time
Audre made us feel assured we were going with the right loan for our situation. I’m very pleased with her performance and professionalism. You should be proud to have her on your team.
Good service, easy to work with
Matt is the best. He’s by FAR the most professional and conscientious person I’ve had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!
Working with Joe Z. was a breeze. He’s always very helpful
Good job Tiffany!! Already gave her another deal in progress.
Erich was awesome!
Great customer service
It’s always a pleasure working with Justin and civic It’s such a smooth process
As always, great experience working with Michael at Civic. Great team!!!
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Very helpful staff
The most trusted hardmoney lender in the business
Just another stress free transaction with Civic!!
Rance and his team made the entire process very easy.
Great customer service!
Rance Brown was great services, fast, helpful, and make it easy to understand. Love working with him again on the next projects
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
Excellent to work with!
Everyone was great. My questions were being answered.
The process was very smooth and their product is unbeatable!
Great customer service provided by Trevor Niemann!
Jack Robinson is the BEST!!Huge asset to Civic Financial Services!
Mariam and Lillia are great
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 […]
Eli was amazing to work with. Great communication, look forward to closing more files
Very helpful, friendly staff, good communication, great tastes and quick closing!
Excellent Service for our loan
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.
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.
Great service and quick process
Easy to work with
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Ms. Lauren was diligent and professional in handing my home refinance from the beginning to end. I commend her and also her team for that.
Quick close great communication.
I was pleased with the short time the whole process took.
Great people to work with
Eric was great to work with on this deal. We have others going your way! Thank you!
Very quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Civic has paved the way for how lending should be. I am elated to have a partner like Civic. They are hands down the best in the business. I buy and sell close to 150 homes a year and I […]
Always the best service- thank you Civic! Keep it going!
I have had the pleasure of completing two transactions with Civic in the past 4 months. From start to finish, and beyond, they have proven to be true professionals at what they do. Civic was on top of my needs […]
I’ve had an excellent experience with Rance, Rebecca, and Jeremy. They are quick to respond, work with me to find the right loan, and communicate well
Great customer services and great help with process
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
Eddie is 1st class and always professional & really helpful. And my closing agent said she had a very enjoyable experience with your entire team. Please pass on my sincere thanks to each of them
I had a great experience with Civic, excellent service
Level of customer service was excellent
I applied for a loan with Civic Financial and I did not know what to expect because I was in another state. Taylor Contreras assisted me throughout the process and I can’t say enough about how wonderful and personable and […]
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Excellent service as always
Josh provided quick and professional service while being able to provide us a competitive rate and term.
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
From start to finish Jack and Vanessa were absolute professionals. They did a outstanding job!
Jack, Heidi and Jose Thank you for the excellent job . Gracias to Help my clients Civic Financial Services are my number one lender; more than 18 loans
Jacquelyn Boyle is awsome
Jackie is on point, quick to respond and a pleasure to work with. . . if you want a fast closing – better call Jackie!
Thank you for all your cooperation!
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Jacqueline and Rebecca always do a great job for my borrowers
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
Cause Jackie & Becky Rock!
Excellent communication and smooth process, look forward to working together on future deals
Very Positive experience!
Truly hard working and positive team with full intentions to close loans.
They were diligent and quick
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 […]
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
It was a pleasure working with both Civic and Cristian Gonzales. They made the transaction easy, smooth and fast. Despite having significant back and forth with the seller. As a hard money lender they will be my go to lenders. […]
Timing is very good and the support is just amazing. We are working with Anthony as he is very committed on his work
I have to say this was a great experience overall. Mike Farley was a tremendous help with all questions we had and really guided us through the entire process! We will definitely be recommending CIVIC to all of our friends! […]
Excellent service good communication
They were the only intelligent lender to get my deal done!! Thank you!
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
GREAT JOB CIVIC
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
On top of the whole process
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!
I’m not a large volume brokerage, but I get treated like one. Everyone is very responsive and turn times are quick. I wish I had more deals to send you guys!
Great experience and results!
Marco and his team are so great to work with! Make the loan process easy and quick
Peter has gone above and beyond to make sure that us as the customers are taken care off. . Return emails, phone calls, and texts in a very timely manner at the same time keeping us updated on how the […]
Civic is Great!
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
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 […]
Melissa and herteam great to work with Thank you
Melissa is great to work with
We have a great team with Jack, Aly and Michael. They are always on top of our customers
Easy and quick process
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
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 […]
Mr Eli and his team offer excellent service and quick response times.
The service, timeline, and delivering as promised saved this deal!
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
Amazing and professional service
Brian Fung is exceptionally committed and professional. I called him during the Friday before Christmas to ask some questions on a deal I was considering and I was amazed at the level of service I received from then on through […]
Closing was Easy and painless
Paige is the best to work with! Smooth process!
Said he could fund it and Did! Can’t ask for anymore! Thanks
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.
Jack is one of the best AE’s around. He is extremely professional, very responsive and knows his stuff. It is a pleasure to work with Jack and I hope we are able to close a lot more loans together.
I presented a loan that was too difficult a challenge for several of your competitors. It was difficult for Civic as well. However, the loan officer, processor, and underwriter were patient and determined. We all believed this was a viable […]
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.
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
Civic Financial Services did a great job with our loan. They looked at our experience as a renovation company and gave us a very competitive rate. They were also very responsive, funding our loan within about 7 business days of […]
Brian and his team are awesome to work with. His communication is great from the beginning to the end, and he makes himself available at all times of the day to answer or assist us in any way
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
Fastest closing I ever had with no hassles
Excellent people to deal with. All around great experience. Highly recommend
Communication and turn time!
good service and on time of closing escrow
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
Civic Financial is easy and very professional to work with!
The Service is great Kendra’s team is the bestTo work with!!
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
It’s a pleasure to work along with Jo at Civic. She and her team are always very helpful. Thank you for everything!
Fast and easy closing
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 […]
Amazing Service, Fast and Furious
Matt is very helpful
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
It’s always a pleasure working with Civic
Justin and his team are always a pleasure to work with, professional, timely and always there to support your transactions to the finish line
Great job ! Great service !!👍🏼
Great communication and customer service.
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
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
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!!!
Monica Hawley and Dave Piasecki were extremely responsive and worked with me to get my project funded despite some very difficult circumstances! I would recommend Civic to lend on real estate deals
Another successful closing with Civic. We had a short closing time frame and they came through for us.
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
CIVIC has done it again! Outstandingly consistent awesome service across the board. Thank you for a job well- done!
My Account Executive is the best and her level of professionalism and compassion to help exceeds of any AE I have experience in my 10 years of arranging financing
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 […]
Because the service was great! Came up with a plan and executed. Correspondence was very timely
Being a non-USA resident could have complicated the process somewhat, however Ms. Jo Jones supported by Ms. Cabrera smoothed all the possible hitches very professionally and ensured a seamless process.
I will recommend this company to others, in fact my first one is already in mind.
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Excellent service from both Rebecca and Jaqueline. Very hands on and helpful. Thanks again look forward to continuing to do business
Because you worked with us all the way until we closed providing all the support we needed
Quick close, great service from Peter K
Action fast and professional!
My rep Chris Lushina is unique in all his efforts to get the job done. He applies his communication skills and knowledge of the product to bring out the best result from his staff to produce positive results for his […]
Marco is a fantastic A. E.! Corey is a great AM! I couldn’t be happier with our experience on our Dunn file. It has been some time since I funded a file with Civic and this was the quickest and […]
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Repeat customer. Dave and his team are great
Overall experience was excellent. Loan officer was very knowledgeable about loan products and processing/underwriting procedures. Loan processor was efficient, effective and easy to work with.