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!
Service was beyond perfect Mark, Corey and Monica are a great team!
Great service all the way through
Peter communicated with me effectively. Always responsive. I would love to work with him again in the future!
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 […]
Working with Dan was very pleasant. His process is streamlined and straightforward. He was responsive to all my questions and concerns when I was unsure of the lending process. I would highly recommend Dan Molina and the team at Civic. […]
Team went out of the way to make deal work and process is very streamlined
Chris L did a great job on funding our difficult deal. He never left me in the dark. I will definitely take my next INVESTOR deal to Civic because of Chris’s consistent follow through.
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
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.
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
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.
Melissa, Michael and Paige were very helpful in assisting me with the deal
Fast and friendly service on loans and funding
My AE, Mariam was excellent in communicating what was going on from a status position to explaining the next steps so my borrower and I were not blind in the loan
Efficiency and thorough knowledge of my needs
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
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.
Marshall Jones and Monica Hawley were an absolute pleasure to work with. They are very knowledgeable, efficient and professional. With all these attributes, what stands out the most is their courteous and patient approach throughout the loan process. I will […]
Highly recommended. They are professional, diligent, and courteous.
Matt Rabinowitz was fantastic! Since this was my first time securing funding via Civic, I didn’t know what to expect. But, Matt was able to facilitate a cash-out refinance that took less than two weeks from application to having the […]
You guys are the best!
Excellent AAA service by Account Rep!
Justin and his team are always a pleasure to work with, professional, timely and always there to support your transactions to the finish line
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
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
Peter K was extraordinary in the loan process. Thank you for all you did for us during our securing a great property
From the moment I inquired about their loan products and up to the closing of my first brokered loan, Jack and Vanessa have been very helpful. I was impressed with the service and will recommend them to my colleagues for […]
Excellent company to work with, very fast, no complication, Steven Fisher is the best account executive and very professional
As a first time borrower for flipping property I found Manny and his team very helpful. I will use them again.
Justin Cohen and his team did a great job. I would recommend them to anyone
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Excellent support service.
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
I have now closed 4 deals with Civic and I have enjoyed the team I work with. Justin and David have worked hard on my clients and my behalf to close some difficult deals in the last few months. While […]
Ease of transaction. Justin was available to take my calls even while on vacation
From start to end. Service is always excellent. Thank you team
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
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 […]
John Paul has been helping my business with transactions for over a year now. He has great communication and even better follow up. I consider him to be a great part of my team when it comes to financing a […]
Wade is a tremendous asset
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
Always good service.
Marshall was very persistent and helpful. Always on top of everything. Good job!
Jacquelyn Boyle is awsome
Outstanding customer service. Davis was always on top of everything. It was a seamless process. I will recommend Civic (and Davis) in a heartbeat
Bijan went above and beyond to help me get my first deal closed. He was always available to answer questions and walk me through the process. I tell everyone that Bijan is a great guy and they won’t regret calling […]
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.
It was a smooth process from start to finish and everyone was very helpful and knowledgeable.
Civic came through and was able to move quickly. Eli was excellent throughout the whole process. He is the sole reason for this 5-star review and I would recommend him to anyone.
Great team and execution!
Civic is great at communicating throughout the process and are always quick to respond to questions. This is important to me
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
The Experience was Fast, Easy, Simple. The team did a great job assisting me!
Communication and turn time!
Excellent! Got docs so fast! Very happy broker here! Thanks to the great team at Civic. Steven Fisher, Corey and Chelsea.
Peter was absolutely phenomenal. He and the team went above and beyond anything I imagined. Can’t wait to get the next deal done
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 […]
It’s always a pleasure working with Civic
Brian Fung provides excellent customer service from the beginning to the end. He made himself available to me at all times and if he was not available he responded within minutes to let me know he would be back with […]
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 […]
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
First time client, 10 day close, immediate funding after I signed – service was excellent!
Competitive rates for real estate investments. Great customer service
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
Working with Chris and his team was a pleasure. They were dedicated to service to their clients and will walk you through the process to make sure you are comfortable and you get the necessary funds to complete your project. […]
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Very easy to work with
Chris is the best!
First Impression was-wonderful. It’s my first time with Civic Financial Services and Cristian. Cristian was very professional, helpful and prompt. The process was smooth and he was always keeping me inform 24hours! I hope more business to come with Civic […]
I recently closed on a transaction that was smooth which is very important to me our reputation with RE agents that bring us deals. I feel I can trust the folks at Civic to deliver what they said on time […]
Because your services are awesome
good service and on time of closing escrow
Michael and Monica were awesome
Zac Miller was absolutely great! Extremely professional, honest, reliable, attentive, and knowledgeable of all Civic products and guidelines. We had a very pleasant experience with the way our first loan was handled at Civic and how smooth the process was. […]
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
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 […]
The interest rate is good. Employees are professional. Worked with Nathan; he is just awesome. The closing process is streamlined and very simple
Excellent work, especially from Eli. He is a great support for business. Thank you
Working with Ryder was great, he is attentive and very helpful!
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Very nicely working team
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 […]
Fast friendly knowledgeable…
Arnold is a true professional that I would not hesitate to recommend him.
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Prompt and friendly service
Justin was very helpful and informative throughout the whole process
Great, reliable, speedy service
The speed /quickness is important
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
I’ve done multiple transactions with Civic. Easy to work with. Best rates I’ve found for the kind of projects I do
Cameron Esquivel was very helpful and professional throughout the entire process. I felt like he was truly on our team and went beyond the call of duty to make this deal happen. I will most definitely be returning to 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 […]
Excellent service and quick respond to questions
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
Ryder Byrne and Daysi Meza are amazing to work with. I can always count on them returning calls and emails. Their customer service is outstanding. The program offered by Civic is also great. But customer service to me is a […]
Civic provide me a great Representative Nat Avendano, a great person to work with, good communication with Broker and Client
Quick close great communication.
Matt is the best
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!
Awesome company to work with.
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
Very pleasant, good products, quick service.
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
Civic worked with us to get a tough file done
Excellent service from Rebecca and Jackelyn. Always available to solve and issues or concerns
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 6 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Chris was professional and communicated clearly and quickly at every step of the process
Fund quickly and very responsive
Eli was great, he was very responsive, all staff also gave timely responses, and friendly staff
Civic FS were very fast and efficient, highly recommend!
Mariam and Lillia are great
Justin is awesome!
Michael Hoyt was a pleasure to work with. Always stayed on point and made sure that we crossed our t’s and dotted our i’s to meet the deadlines needed to get my deal funded. Thank you Civic Financial Services for […]
Very smooth transaction. Closed loan within 10 days.
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
Kendra & her team were amazing, Hi Leslie. First deal with Civic, smooth as a lake at 5:00 am! I’m looking forward to a long term relationship with CIvic.
It was a pleasure working with Rance, Rebecca and Jeremy. I hope I can work with them in the future. I have already told a few clients
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
GREAT JOB CIVIC
The Civic team is simply superb!
Want to express my gratitude for the job well done
Ivan was great to work with
I was impressed from start to finish by the execution and dedication from my team at Civic. Marisa and Marshall consistently provided fast updates and made me feel like we were always a few steps ahead in the loan process. […]
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
This is our third hard money lender and the closing was so smooth. Thank you!
Fast service. Minimal paperwork. Great team overall
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 […]
I believe from myexperience you are professional and looking to help people
John is great to work with!
Because I love the support and customer service and they did what they said they could do unlike other Hard money lenders
Efficient and helpful, upfront with financing options
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
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 […]
Civic Financial was able to close my deal very quickly. They have a great system in helping walk you through the entire process step by step, making it as smooth as possible. Dawn welcomed me with a smile every time […]
Melissa is the best!
Great service and quick settlement. Thanks!
Chris and his team makes the funding process so easy
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
The process is always smooth. My account executive Jackelyn Gonzalez is amazing!
Mr Eli and his team offer excellent service and quick response times.
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
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 […]
As always, great experience working with Michael at Civic. Great team!!!
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.
Have closed three loans and each time every effort has been made to close the loan ASAP
Top service and results
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Very smooth closing
Great people to work with and very quick in moving along the process
Anthony was great in the process
The process was smooth and expedient. . Thank you, Melissa Salina and Michael Hoyt for your help and diligence
Arnold is wonderful and always makes the transactions go super smoooth
Excellent service , great lending company . Thanks for everyone’s hard work and efforts . I will refer all my friends and family to Civic
Excellent customer service, we were treated with a lot of respect and promptly
Greatly enjoyed every step with Savannah. She was quick, welcoming & happily took care of everything I needed! Wish every business transaction was as smooth & professional. Needed money fast to secure a home & Civic got it done. Thank […]
Good service and flexible within reason
Excellent, speedy & courteous service
Very good company to work with
Excellent service, fast response
I most appreciated the responsiveness.
Matt and Corey are the best
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Great customer service
Reputation, Rates, and Service
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!
Another great closing
My account executive was really great to work with. He went out of his way to help me through the process. I was intimidated by previous sales people in the industry, but felt at ease withthe Civic financial team. The […]
Super fast, very professional and always reachable!
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Great company that always makes it happen Jackie and her team are professionals!
Great job closing the transaction on time.
My experience was primarily with Kevin Victoria, and he was fantastic. The deal got a bit hairy, and Kevin was constantly on top of it. I don’t believe it would have closed, if we worked with almost anyone else. Overall […]
Very easy to work with!
Jackelyn provides very good professional services and it would be different without her.
Justin and Team were amazing. they helped me on a very short time frame. Thank you again
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
Rance was outstanding. The process was quick and simple and the communication was excellent
You’re personnel and programs get the job done without a lot of hassle and underwriting multiple conditions
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
Great service, timely respnses
100% because of Nick Flowers. If he lived in Dallas I wouldn’t stop recruiting him until he worked for me PERIOD!
Very good service. I especially appreciated the help from my account executive Michael
Great communication with my rep Nate
The process was fast and easy
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
Tedd is the best, no matter what day of the week or hour he was always answering and replying to me, he was just great, thanks to all the team as well
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
Fast and easy closing
Michael was the man
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.
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Jack you are a superstar
The process was simple and fast! Loved working with CIVIC!
Matt was outstanding ! A true professional ! A first class experience !
The process is so smooth and Ivan and the team are great to work with
Great loan product and always close!
Everyone was great. My questions were being answered.
Paige is simply the best ! Super professional and helpful . Thank you