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!
Vanessa and Marisa are amazing!
Great, Friendly Service
Ivan Oberon was great and make the process quick and easy
Dawn Beauchamp is a rock star ! Great communication and quick response
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
Extremely easy to work with and Michael seems to really care about getting the deal done
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
Love Anthony he is very professional, perfect fit for my team. He is just the person that is always open to solve and help on every single point when I am been asking for support. Just thankful to Civic for […]
Excellent service. Met expectations as promised.
Great service and assistance from my rep Randi, thanks!
Great experience and everyone was very professional
Quick turnaround, competitive rates & fees
Matt Rabinowitz was extremely proficient and straightforward. When an answer was not off the top of his head he was able to retrieve it with a quick response and accurate answer. Everything occurred as planned, no big surprises, the transaction […]
Seamless and organized loan process
Matt from beginning to the end of the refi process did a great job!Will definitely continue to do business with Civic Financial!
Exceptional level of service
Whit and Vanessa are all stars. In the midst of a National Emergency they were able to quickly communicate, approve, and fund within the time line needed
Easy to work with, no bs, quick closing
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
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 […]
Excellent support service.
The loan application process went smoothly and easily. Marian and the rest of your team were extremely helpful with all of the questions I had. I would be happy to work with her again
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.
I appreciate the good service from Justin Cohen.
Great communication. On time and great follow up
Very easy to work with, I tried a few other Mortgage Companies and Civic was by far the best to work with.
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
I truly appreciated working with Jackelyn Gonzalez and Rebecca Potter. We have completed 5 transactions this year, and they have excellent communication. Excellent turn around time and I can freely discuss any concerns without a problem
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
Daniel Molina and Jose Lopez were great! They helped make this 1st loan I have brokered in 10 years easy and quick to close
Audre and Kathy were great to work with!
Responsive and timely. Common sense requests and requirements, and available when needed!
Have been working with Arnold for 2 years now-he is Awesome to work with
Very helpful, friendly staff, good communication, great tastes and quick closing!
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
I was thrilled at how quick and easy Civic was to work with. We were even able to close early. Thank you Dave Rooker for helping me get this going. I look forward to a long relationship with Civic. Before […]
Civic delivered on the terms they quoted
Great loan product and always close!
Nick was extremely professional and timely with all his responses. It was a pleasure to work with him and we look forward to our next deal
I believe from myexperience you are professional and looking to help people
We have an amazing loan rep there!
Many thanks to Peter Kraemer at Civic – It was refreshing to work with someone so upbeat and responsive. We will definitely be calling you first the next time we’re looking to purchase another investment property.
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
I am a Senior Asset Manager at another lender, and Brian Fung is my go-to guy when it comes to referring my clients to him who are approaching their maturity dates. Brian has refinanced at least a dozen of our […]
Very fast response time
Another smooth Transaction with Civic!
Great rates great service
My Rep Peter Kramer was absolutely Amazing!
Brian FUNG and Kailyn Obenauer went above and beyond to make our loan closed smoothly without any hiccups. They were both in constant communication with us to let us know the status of our loan and to ensure everything would […]
Closed another one with Jackie at Civic!
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.
Awesome team – great communication
Mark Liker went above and beyond on my latest flip hard money loan. We only had 6 days to close the loan or the house was being auctioned off the following day through the county. Mark worked extremely hard to […]
Peter Kraemer was great to work with. Highly recommend
Super helpful every step of the way!
We have a great team with Jack, Aly and Michael. They are always on top of our customers
It’s only been 10 months and we’ve had 5 loans with Civic. Last week we were holding 3 properties with the lender and our team at Civic (Brian, Kailyn and Mike) have held our deals through to the last inch […]
Rance was outstanding. The process was quick and simple and the communication was excellent
From day 1 service has been excellent. So often in this industry terms and fees are changed for the worse, not with her. I would not hesitate to recommend Savannah (Civic Financial) to anyone that is looking for a hard […]
The staff are amazing to work with! So, friendly and helpful. The process was absolutely painless, fast, and the rates are very competitive!
She is polite. Patient. She is reachable
I have worked with Jack Lupo and his team on other loans and they are GREAT to work with. Always there to help get the job done. Thanks, Jack and Team
They work diligently and after hours to process the loan
Great company that always makes it happen Jackie and her team are professionals!
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
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
Always a great lender!
Well I am supper impressed by the way these guys handle the transaction. Dream Team, really a Dream Team.
I liked the fact that they were able to go over the process initially with me and gave me different options to choose from.
A lender I can trust always!
This is my 2nd business deal with Civic and I’m completely satisfied with their help. Chris Rosas was my main contact throughout and we spoke regularly and reviewed every aspect of the progress consistently. My initial deal involved David Levine […]
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Audre torgeson helped me a lot!
They were diligent and quick
Civic has open the doors for me to grow, with fair fees and crystal clear services
Communication was clear, persistent to get deal done, despite unusual circumstances. Eli was very professional and kept me updated. Thank you!
Great processing experience with great terms and rates offered
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 […]
Quick turnaround, competitive rates & fees
This is the second loan I have completed with Civic Financial Services. It went through very smoothly. So impressed with the ease of doing business with them. Thank you so much
Peter was dynamic and Civic offered products second to none in the industry. I’ll definitely continue sending my best clients
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 […]
I like working with Civic. And I always recommend to my coworkers
Whit McCarthy and Vanessa Lopez are the gold standard in executing fix-and-flip loans. I have used Civic numerous times to close loans and I will continue to do so because this is an amazingly skilled team
Great customer service! Fast and efficient
John Paul did a great job staying on top of the issues and moving this to closing
Ryder and Monica were wonderful to work with! From my first call until closing, the process was smooth, there were no surprises. All requirements were laid out clearly. Complete disclosure and professionalism. Thank you!!!
Mark was always quick to help with anything no matter what time of the day it was.
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
Fast friendly knowledgeable…
Justin is the best. Always returns phone calls and stands behind what he does
Talar is an amazing loan officer!
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!!
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
Chris and his team are great to work with. They make the process so easy
Great experience with my broker at Civic. This is my third loan with them and I definitely plan to work with them again.
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 […]
Chris and team were available for questions and did a great job explaining the process
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
Everything was professional. My deadline was foremost in their efforts. The terms were as discussed with no surprises
Competent, get the job done
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Great fast service
Exceptional service. Went without any issues. Thanks
1) Overall Successful Outcome; 2) Justin, Leslie & team = complete support from beginning to end and it was badly needed on my part. . . 3) No one else would listen and give me the chance I needed to […]
The funding team of Daniel, Jose, and Maurissa got it done.
Our loan officer, Eli, was very responsive. Eli was the most ” on Demand” loan officer that we have ever been associated with. He was always available and he is a very knowledgeable loan officer.
Wade la Rouche was the reason y’all got this rating
Job well done. My clients are very happy.
Great company! They worked hard and made sure everything go smoothly. Marisa, Jose and Dan all did a great job this time. We are very pleased! Thank you all for the hard work. We look forward to work with them […]
Quick service, great communication, easy process.
Our experience with Marshall Jones was excellent. This is our 2nd transaction with him and both experiences were outstanding. He is a great communicator that is familiar with your programs and walks us through the process along the way. Marshall […]
You have great products
A++++ Great lender and great service. Super fast response times to all phone calls and emails. Easy to work with. They did everything they said they would do. I can trust them with my clients and I will be sending […]
Acct Rep was outstanding
Melissa is very professional. It was a very easy deal again.
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
I had a property I needed to close in a short period of time. Nick Flowers contacted me within an hour of placing the request and worked with me diligently to get it closed. Always answered my phone calls and […]
Quality, professional and thorough from start to finish…
Amazing communication and support!!! Thank you
Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within […]
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 […]
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.
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
Simply the BEST! Friendly, prompt and helpful
EXCELLENT PERFORMANCE IN ASSISTING US THROUGH THE PROCESS OF THE LOAN
The service, timeline, and delivering as promised saved this deal!
Very easy to work with. Responsive and quick.
These guys are the best hassle free and fast
Great working with Eric, always on it
I would recommend civic financial for you private loan needs, the process was very easy and fast. Lender Paul MacGann was always on top of things along the process super smooth. I highly recommend working with Paul
Review of the rehab budget was fair and was supportive of the project’s success. Adam did a great job of pushing the loan towards the end to try and meet our COE
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
Matt came thru even with all the delays from the buyer. Did a great job!
Mathew and the CIVIC team are easy to work with and fund fast!
Great Rates and exceptional service
Dave and his team always makes it easy
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!
You got the deal done!
Fast loan program Ryder is great and very professional; so happy for the application experience
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!!!
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Justin Segal is a very pleasant person to work with. He is always very cheerful and responsive to our needs. We truly appreciate all his efforts throughout the process.
Prompt Service and timely attention to the needs
Very good service. I especially appreciated the help from my account executive Michael
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Awesome lender. Highly recommend and will re-use
They have been very professional in their services. Great job! Thanks
Great service, very knowledgeable
Justin S. provided us with superior service!!! He was available to discuss concerns/questions at all sorts of hours/days. Truly appreciate him.
That was the easiest closing ! Thank you for another great closing.
Great team and execution!
Peter was very helpful, very nice, and also accessible
Civic Financial is second to none in providing quick and reliable lending. I was presented a property opportunity but needed a cash out refinance done in 4 days. Ryder Byrne and Michael Hoyt pushed it through quickly and with very […]
Civic Financial is easy and very professional to work with!
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
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
Civic was fast and delivered on the type of loan my clients needed.
Excellent service, fast response
Solid underwriting, clear terms, fast closings
With our Partner Nate W. we are ALWAYS in clear communication on what is needed next to proceed. The CIVIC team was open to jump in whenever I needed assistance. By far one of our BEST partnerships so far
Mariam, our loan officer, was very attentive to our needs. Civic as a lender has a very seamless process and closes fast
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
The deal did go through quickly. Everyone from the team was professional. I hope to do future business. Looking forward
Great follow up and flexibility!
Ryder my loan officer was very helpful and went above and beyond to help me get through the process.
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
I had a great experience with Civic!
AMAZING SERVICE AND HIGH INTEGRITY! NO “BAIT AND SWITCH” TACTICS THAT I HAVE EXPERIENCED FROM OTHER LENDERS. THANK YOU!!! I WILL RECOMMEND YOU TO ALL MY CLIENTS AND ASSOCIATES
Michael Braswell was diligent and time efficient on getting both files closed given the situation.
Eli was very professional and kept the communication open and continued to push through this covid-19 event to get this deal done. Thank you!
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
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.
Great and best service. My rep Randi was also available to take my calls and reply within 10 minutes when I sent her text messages email or left voice messages. I highly recommend Civic to anyone
I had very good experience working with civic lending. Most of the things that I like is their prompt response & action. I would recommend to others .
Communication is off the charts and definitely exceeds expectations. Not once did I have a question that wasn’t already answered. Not once did I have to reach out for status. Communicating via text, email, phone calls, and with lighting speed […]
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
Great customer service!
Dave made this process very easy. His communication was top notch
Loved the team of Eli, Vic and KAILYN. They made it happen!
Jack is amazing to work with!
Have closed three loans and each time every effort has been made to close the loan ASAP
Speedy service with prompt responses from AE & processing.
Natalia provides unbelievable customer service, dedication to 100% customer satisfaction, is a problem solver not a problem maker, and she’s willing to overcome any obstacle that was put in front of her
Ben and team were very helpful and supportive
Very quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Jackelyn is excellent to work with. I appreciate her transparency
Overall service is excellent
Excellent follow up and teamwork to get the loan closed
Working tirelessly to close a very difficult loan.
Mark was easy to work with, timely and a no-hassle experience over all
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
Easy and transparent to work with!
Fast closings, easy to work with, straight forward
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
Wade went to bat for me
Matt is always the best to work with
They are great to work with and communication is awesome
This is our 3rd deal with CIVIC and we loved the experience. Our Account Executives, Melissa S. and Michael H. were super!Took care of every detail, were great at communicating and moving the ball forward. This was another smooth process […]