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!
Very helpful, friendly staff, good communication, great tastes and quick closing!
Good programs. Great people
Excellent work, especially from Eli. He is a great support for business. Thank you
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
It was a quick close
Great, fast, reliable service
Melissa, Michael and Paige were very helpful in assisting me with the deal
Had the Programs and was easy to talk to to get things done
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 […]
Great communication and availability
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Awesome company, fast, and competitive rates
Very supportive and quick close. Arnold is great to work with
Mariam and Lillia are great
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Good follow-up and coordination between team members
A great team to work with. They get it done
Great experience. Very happy with my experience
Excellent and efficent! I hope to work with this team again
Excellent service. Met expectations as promised.
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 […]
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Great financing company!
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the […]
Great working with Eric, always on it
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 […]
The cordial staff, and the quick responses made our deal happen fast. Thanks!
Great Rates and exceptional service
The funding team of Daniel, Jose, and Maurissa got it done.
Our account executive, Jack, kept in contact with us through all aspects of the lending process at all hours of the day and went above and beyond to help us understand and navigate the process and to be prepared for […]
Civic moved quickly and was very responsive to meeting my needs
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
Ben, Vanessa and Dianabele were amazing like he last deal!
They always keep their promise. Customer support is excellent.
Quick, easy loan
Fast, friendly communication and service!
Excellent communication, timely responses, clear cut terms, and they were able to meet my needs
Fast approved, available all the time day and night.
I was very impressed with Matthew’s professionalism from day one. I appreciated my reps patience and attention to details even more as the process continued
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
Efficient, responsive, and overall great experience!
They come true when you need it. It is a pleasure to work with Jackelyn and her team. Thank you.
Job well done. My clients are very happy.
Excellent service from both Rebecca and Jaqueline. Very hands on and helpful. Thanks again look forward to continuing to do business
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
Easy and quick process
I would recommend this co. to anyone that needs fast service, and reasonable rates. I appreciate Chris Rosas for his fast and helpful service. Thank you
Great, Friendly Service
Very responsive & helpful
Jackelyn is one of the better Mortgage Consultants I’ve worked with in a long time. Calls/emails were always return with precise response. Under promised and over delivered. Her support team is amazing and a played a major role in my […]
Good response time and frontloading of borrower requirements
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
Matt was a pleasure to work with, very professional and helpful throughout the entire loan process. Matt was also accessible and would answer calls and emails with any questions or concerns I had. I would recommend Matt and CIVIC in […]
Personable service, quick responses and accurate information.
I felt the team was fast and responsive
Great lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
The closing was super fast. From beginning to end my loan was closed in 8 business days. It was such a easy process. I will definitely use them again!!!!
Reliable and Convenience
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 processing and excellent communication!
great AE and processor. It was my first closing with CIVIC, Tony was there every step of the process; from A to Z. Processor was experience and friendly. I would highly recommended CIVIC to any investors or brokers. Great job […]
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
Good loan coordinator. Easy transaction
I would recommend them to anyone
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. […]
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
Well I am supper impressed by the way these guys handle the transaction. Dream Team, really a Dream Team.
Working with Ryder was great, he is attentive and very helpful!
The customer is unmatched
Great experience with Daniel and his team at CIVIC!
Excellent service from entire Civic staff helped to close this loan. This was a very complex loan, it had more hair on it than a polar bear. Thank you Civic
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!!
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
Easy to work with and good Client care! Will be using them again!
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Excellent AAA service by Account Rep!
Excellent service and turn-around time!
Marco is a STUD. Hands down he gets the job done
Civic never ceases to impress me with their ability to get to closings in a timely manner. They realize that time kills deals and the less time it takes to fund mitigates much of the concern
Kendra was great even when we had to re-do everything! Great job!
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. […]
Great service and customer service
I would definitely recommend Civic Financial for your real estate needs. They make the process seamless and Cameron Esquivel was the best to work with to get my transaction closed.
I have worked with Civic Financial Services on few transactions and they are the best to work with when it comes to private deals. Very professional and responsive. They have always exceeded expectations for me and my team. We will […]
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Professional, Responsive and Detail Oriented Loan Officers
Easy and transparent to work with!
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process
It is always apleasure to work with Civic!
Kevin is very professional and a pleasure to work with. Thank you
Everyone was great. My questions were being answered.
Great service! Easy to work with and they get the job done quickly
Rance helped me throughout the whole refinance process. I was very stressed out at the time. He helped make it an easy and smooth transition. He was available to answer questions after business hours, was very professional, understanding, and worked […]
Excellent! Got docs so fast! Very happy broker here! Thanks to the great team at Civic. Steven Fisher, Corey and Chelsea.
Great job Jack! Thank you!
Always a good experience.
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 […]
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Good organization, fast response, deep experience
The process with Civic Financial was great from start to finished and we close in days!
Marco and his team are so great to work with! Make the loan process easy and quick
Anthony has been extremely helpful and accessible through the whole process.
Enjoyable to work with. Kept me informed on the progress
Our Director of Business Development is amazing. We work with many different lenders, and we go with CIVIC because of our relationship we have with Ben shaevitz. I appreciate his knowledge, his communication, work ethic, commitment and accountability. If he […]
My rep, Peter Kraemer is great. Very knowledgeable, help, and he’s even available on weekends
This is a great team to work with
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
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
I feel they work hard to make sure they are meeting our needs
Nick was great and very helpful. Communication was excellent and he was on top of the process every step of the way.
It is always a pleasure working with my Civic Team, Arnold, Jenna, and David, they are consistent with their support and always readily available to assist. Thank you!
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
John Paul is the best rep!
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Rance is very helpful and gives us the funding on time
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
Anthony has been a pleasure to work with
Arnold is great -communication is great. I am happy with the speed and rates
Quick Service, on-time closings!
Great people to work with
Good job Tiffany!! Already gave her another deal in progress.
This is the second deal I’ve done with Jack can’t say enough how smooth the process goes with him and his team. Always super responsive and great at setting realistic expectations. Looking forward to doing many more.
That was the easiest closing ! Thank you for another great closing.
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
Civic FS were very fast and efficient, highly recommend!
Excellent service, fast response
Excellent Service, working with Eric & Diana was a pleasure
Courteous and speedy 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!
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 […]
Amazing Florida love working with Anthony
We had to close in a very short period and Civic and Justin Segal pulled out the stops to make it happen. We closed on time and we are already renovating the property. The terms are competitive and with Great […]
Matt is the best
Simply the BEST! Friendly, prompt and helpful
Great service and my loan officer, Jackelyn, has been super in getting my deals done and helping me when needed
Excellent communication, support, effort and cooperation!
Civic Financial is easy and very professional to work with!
I would highly recommend Eli Smushkovich & Chelsea Meneses. They answer their phone and respond to e-mails promptly. Eli is a consummate professional and worked diligently to get our loan done timely.
She is polite. Patient. She is reachable
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
5 star service
Great job closing the transaction on time.
Great customer service
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
Working with Jacquelyn Boyles just made things easy
Brian was great it was easy fast and non worrisome
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
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 […]
Fast service. Minimal paperwork. Great team overall
Cristian Gonzales. He is 100% the reason for my 10/10 rating. Not only did he get it done super fast, he was a ton of fun to work with. Give the man a raise! 🙂
Great customer service provided by Trevor Niemann!
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
Great on meeting deadlines!
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 […]
Great customer service and easy to get in contact with
Reasonable rates and no delays in closing
Outstanding work Civic- thank you!
Great personal attention!Civic (and Randi) do what they say!!!
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
Chris is the best!
Super team of Civic does wonders! Sixth loan in 10 months and all have been successful flips. Thanks to Brian Kailyn and Mike for everything they do for our financing the deals
Turned around my funding request pretty quickly. Easy to work with. Good rates. Have already recommended you to another investor
Eli was great to work with!
Very professional, transparent, smooth process, and a quick closing. Delivered as promised!
Because your services are awesome
Great communication with my rep Nate
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 […]
Great job as always!
Working tirelessly to close a very difficult loan.
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 […]
I successfully financed my real estate purchase with Civic F. S. The process was smooth and the staff were quiet responsive to my needs. They assisted me from onset till closing. I will recommend them to friends and also I […]
CIVIC is the best choice if you need to get your loan done fast and easy!
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 […]
The experience I had with CIVIC was much more pleasant than Patch of Land, they are able to close on time and does not deviate from the terms that they quote
CHRIS LUSHINA is simply an AWESOME rep. His communication skills are excellent. He knows how to trouble shoot files and find resolution to get files to docs
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC
Everyone has been very accommodating and helpful throughout this process. To be able to have direct lines of contact to communicate freely and accurately has been invaluable. Kendra, Justin, Leslie, Kailyn, Jennifer and the rest of the Civic Team are […]
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
John and Jenna were very easy to deal with and did a great job keeping in touch with me on any updates. Thanks for your business!
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
I enjoyed working with Ryan. Made the process easy. Treated me as if my business mattered. Many salesman just wait for the easy sale and don’t want to work
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
Jack Robinson is amazing, he works side to side to help you close on time. Great customer service and he cares. . . I am bless to have him as our account executive. Thank you. 10 Deals closed this years […]
Civic is here to make your transaction a success. Just ride their coat tails across the closing line
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
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
Efficient lending. Team works closely together
Quick execution on complicated transaction, competitive rates, good service
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