CIVIC is your local Raleigh 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 Raleigh 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 Raleigh 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 Raleigh.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Raleigh 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 Raleigh private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Raleigh 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 Raleigh 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!
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
Love these guys. They always do what they say and say what they do.
My point of contact, Michael, was exceptional from the get go. I informed him of my needs and strict targets I had set. He did everything I required and got me a fast closing. Now I’m onto my next investment. […]
Great lender, easy to work with and fund fast!
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
AE Kevin Victoria is very helpful to work with
Customer service was wonderful
Really enjoyed working with Rance; very easy and on top of the finance options. . Extremely helpful and financed in a timely Fashion
Michael P gave Great service and has great personality with the job
Jacqueline and Rebecca always do a great job for my borrowers
Great service! Jack and Aly were extremely responsive and understanding to a tough deal
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
Completed refi seamless and communication was completed in a timely.
Very knowledgeable group. Nothing but great and timely service
The service went beyond expectations, always excellent and professional
Easy to deal with and on top of things for a quick close!Thanks for all your help!.
I took out my first rehab loan with Patrick at CIVIC. The process was much simpler and faster than I had anticipated and it was one of the easiest mortgage transactions I had experienced. I look forward to working with […]
Excellent service , great lending company . Thanks for everyone’s hard work and efforts . I will refer all my friends and family to Civic
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Civic is my go-to lender, especially due to exceptional service by Chris […]
Excellent product and service
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
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
Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again […]
Customer service, efficiency, quick turn around
Fast communication, streamlined process
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
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!
Civic closed on time with no surprises. I recommend their services.
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
Matt is very helpful
Quick closings-smooth process-great communication
Easy to work with
Easy approval process and most importantly, certainty of closing
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 […]
Very supportive and quick close. Arnold is great to work with
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!!!
Good follow up! and good follow through
Very easy to work with. Minimal paper work compared to other lenders. Great interest rates and length of loan options. Eli is The Man when it comes to working with greatness
Chris and his team did as they said with efficiency and courtesy
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 […]
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
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 service and quick process
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
Everything went very smoothly
Timing is very good and the support is just amazing. We are working with Anthony as he is very committed on his work
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 […]
Great communication and customer service.
Justin Cohen is the best broker I have ever worked with, on every level
Civic Financial is easy and very professional to work with!
Great process and reps, The best private lender in the market
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
A number of product options made it easy to tailor the loan to our needs. Process was simple, communication was frequent and follow up to ensure everything was on track was valuable.
Best lending institution I have ever worked with!
I received excellent service and a speedy closing hassle free
Awesome service. Very responsive. There was a delay on the seller’s side and Civic was on top of it and was ready to close immediately.
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
I found the Civic team to be thorough, fast and highly professional. You couldn’t ask for a better group of people to guide you through the lending process
Manny and Jose did a great job making it happen for our Client.
Good follow-up and coordination between team members
Good service, Heidi was great
Quick, easy, knowledgeable.
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 […]
Thank you for a great experience at Civic. Smooth transaction. Dan worked with me from start to finish answering every question I had. All staff emailed promptly and all docs were in order in a timely fashion. Will recommend to […]
Great bank to work with
Justin Cohen and Civic Financial Services made the process very smooth. I would recommend both to anyone who is looking for a great lender.
Every closing we have with Civic has been a great one!
I’ve been using Civic financial for over two years now and Will Dodson is one of my favorite Account executive’s of all time. . . . . he’s courteous , knowledgeable and get things done on time. I would highly […]
Excellent!! Quick and Simple
Mr Brown and the team at Civic Financial Services were incredible. I was provided with outstanding service and they were by our side every step of the way. This is my 3rd loan with them and highly recommend him to […]
Marco and his team are great!!
Great company that always makes it happen Jackie and her team are professionals!
If you have a loan that fits their box. They are extremely good.
Once the file gets to loan docs and back to funding, loan funds right away. .
Melissa and herteam great to work with Thank you
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
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
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 […]
The process was smooth and expedient. . Thank you, Melissa Salina and Michael Hoyt for your help and diligence
Justin was great to work with and helped me push this through so fast. Great person!!!
Great Rates and exceptional service
Repeat customer. Dave and his team are great
Very fast close even with some unique problems, always prompt communication and expert knowledge of the process
Outstanding Service from Brian Fung & Gabriela
Great service, very responsive and delivers, love working with Brian
Everyone was great. My questions were being answered.
Professional, Responsive and Detail Oriented Loan Officers
Prompt Service and timely attention to the needs
Easy to deal with the staff Good job to JP
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
Everyone worked very diligently, very happy
Great people to work with
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
Will recommend this to anyone needing financing. Experience with our assigned account executive overall has been very positive and efficient
Great Service, Fast closing. . . Can’t ask for anything else. Thank you for all your help!
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
Very quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Fast and easy to work with
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!
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 […]
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
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 […]
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team
Very good service. I especially appreciated the help from my account executive Michael
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
Great lender with overall great products. My account executive Jo Jones is the best!
I have used Civic multiple times and wouldn’t hesitate to recommend them to anyone thinking of using them. The whole team works well together and moves the file along seamlessly. Grateful to get to work with Cameron
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
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 […]
Ease of transaction. Justin was available to take my calls even while on vacation
Called them after a denial due to difficulties with income although I have a stellar credit score and no lack of down payment. Talked with Matt, painless application, answered EVERY call no matter time day and night (and there were […]
Excellent service. Deal number 24 . Gracias jack and team
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 […]
The process was very smooth and their product is unbeatable!
Full support and communication from Melissa, Michael and Paige
Chris Lushina is great and always goes the extra mile
John Paul is the best rep!
Justin was incredible. He stayed in contact with me through out the whole process
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
Ivan Oberon was great and make the process quick and easy
The professional manner in which Civic and escrowapproached the loan refinancing project. Justin was awesome. A person who does what it takes to handle a huge project
Great communication, execution, and follow through
Great guy to work with. I hope to work with him on the future.
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
Civic got the loan done in a timely manner , nice professional service!!!
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Fast and reliable! Thank you so much for helping us!
Quick closing! Everything that was offered was then delivered
Marco is a STUD. Hands down he gets the job done
Great experience. Outstanding always!
Good service, would send more business
Very prompt and efficient process!
Because it is always a professional representative and a resourceful crew working together, that makes everything easier . Always giving answers right away, it makes me feel supported trough the process. Thank you!
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Very Positive experience!
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Good rates and good communication
My rep at Civic has been awesome and extremely responsive on always getting my loans closed on time. Jackelyn and her team are great to work with and highly recommended
Melissa, Michael and Paige were very helpful in assisting me with the deal
Truly hard working and positive team with full intentions to close loans.
Excellent to work with!
My rep Jennifer was amazing with walking me through my first loan with Civic
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.
Kevin is very professional and a pleasure to work with. Thank you
We have a great team with Jack, Aly and Michael. They are always on top of our customers
First loan with Civic Financial. Excellent service provided by Eric and Dianabel. Constant communication and updates. Went out of their way to help us resolve 3rd party issue that was delaying our loan. Look forward to working with you guys […]
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Melissa and her team are amazing and great to work with always go to extra mile to help and resolve issues I am very pleased with amazing service and being treated as the most important customer. . Thank You
Arnold is beyond amazing – making this a very painless process – as an experienced investor i can’t find a better option than Civic- 5 stars
They were the only intelligent lender to get my deal done!! Thank you!
Great company to work with.
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.
Service. . Says it all. .
Jackelyn and Rebecca were excellent and efficient with our transaction!
Thank you Matt and David for everything. On to the next one!
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Excellent communication throughout entire process. Very efficient
As always, great experience working with Michael at Civic. Great team!!!
Great team, easy to work with and responsive
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
Randi communicates well and made the loan close on time
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Anthony and his team were excellent to work will. I look forward to more transactions in the future
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
We were extremely happy with the process- exceptional!
Very Engaged, competent and has the ability to get the loan closed and is very fast when necessary!
Outstanding work Civic- thank you!
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Thanks for fast and efficient service I would recommend them to anyone looking for a loan
Chris and his team are great to work with. They make the process so easy
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Have been working with Arnold for 2 years now-he is Awesome to work with
Working with Ryder was great, he is attentive and very helpful!
Great Service as always
Eli is amazing. Great communication
Great job Jack! Thank you!
Jennifer was very attentive to all my questions and concerns. Great follow up. On our recent Purchase borrower wanted to go with a competitor but Jennifer responded extremely well that Civic would exceed all expectations and you did. My borrower […]
Arnold is wonderful and always makes the transactions go super smoooth
Great experience with Daniel and his team at CIVIC!
Just closed my first deal with Civic. Peter K is just the best rep ever. Great communication skills, quick response and always keeps you in the loop.
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Buyers are Very Happy!! And will definitely do business again!!
Good organization, fast response, deep experience
Level of customer service was excellent
Great cuatimer service. AE just great . transaction was closed . customer was happy
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
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.
Civic has been an important part of the mortgage business for me for many, many years now. Matt Marky and his staff are amazing, a pleasure to work with and on top of their game
I have had an exceptional experience with Civic Financial. Peter Kraemer has been super helpful and patient. He has spent time helping me outside of his normal work hours. Peter is definitely an asset to your organization