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!
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 .
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
The young man who helped me through my experience with Civic was like someone I had known a long time, he was full of knowledge. I have recommended others
Genuine concern to help
Very smooth closing
Quick service who truly want to help the client
Working with Eli, Merlyn & Dianabel was amazing! Not only was the process efficient but Eli was always in communication making us feel prioritized. During this crazy time, while other lenders were shutting their doors, everyone at CIVIC stayed the […]
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
Civic Financial Services was amazing to work with, and I can’t wait to do it again. Brian Fung is amazingly patient, and the experience will have me recommending to friends moving forward.
Mark Liker was great to work with: product knowledge, communication, response time – fantastic experience
Everything went really smoothly
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Very pleasant, good products, quick service.
Excellent service and turn-around time!
Extremely professional and very courteous
I have already mentioned Civic to several of my partners. It was really pretty easy
Great experience. Very happy with my experience
Mark was easy to work with, timely and a no-hassle experience over all
Awesome work with Jack Lupo and his team.
CIVIC Team w/ Nate, Teresa, & Gabriela is always a great process. They continue to meet & exceed our expectations when it comes to funding our deals
Civic and it’s dedicated staff, namely Justin, Chelsea and Heidi, inspire us to keep investing by making the process of leveraging our purchases systemically perfect with the help of their funding and communication
Marshall was very persistent and helpful. Always on top of everything. Good job!
Broker was very helpful – underwriters were very careful and methodical and made sure that all of the specifics regarding my property and loan were accurate
Great service, smooth and quick transaction
Dave and his team always makes it easy
Melissa was a pleasure to work with. She was on it from day one, and helped me stay within our timeline. Michael was great as well
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 […]
I had a great experience closing my first deal with Civic. My account manager is fantastic. He has been nothing but responsive, professional, and easy to communicate with. We were able to close quickly and I am anticipating on doing […]
Fast processing and excellent communication!
I can’t give you guys a 10 because that would mean that you guys are perfect. But you were pretty dang close to perfect.
Excellent and efficent! I hope to work with this team again
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
Truly exceptional customer service and execution. We love the Civic Team!
Davis Bennett from Civic financial worked very quickly to get my deal funded. I needed to close within 20 days and he made it possible. He returned all my calls and text messages promptly. He even followed up after closing […]
Second time using CIVIC for me. Great team to work with and seamless financing.
Excellent communication. Very punctual
Great people to work with
Matt is a pleasure to work with always upbeat and helpful
Have been working with Arnold for 2 years now-he is Awesome to work with
I really enjoyed working with Randi. She was available and took the time to explain the process to me, as this was my first time working with Civic
Great people. . and work very hard to get you the best deal
Easy to work with and with a good attitude
I would recommendCivic Financial to anyone
Great customer service and closing process
Outstanding customer service. Davis was always on top of everything. It was a seamless process. I will recommend Civic (and Davis) in a heartbeat
Excellent service always on time . A pleasure working with Anthony
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Great, reliable, speedy service
This was my third transaction and all prior ones have gone very smoothly
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 […]
Great cuatimer service. AE just great . transaction was closed . customer was happy
Fantastic customer service from Natalia Benshaw, Todd Kaplan and Aly Howard!
My loan officer Audre been working really hard to help us, she gave us all the info & update! Thank you
Mike J is top notch.
Arnold is a true professional that I would not hesitate to recommend him.
It’s always great pleasure to work with a great CIVIC team: Jackelyn Gonzalez, Becky Potter and Darren Pascual. Very fast and smooth process. Thank you guys!!
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
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 […]
The team comes through every time!
Very reasonable rate, closing the loan quick and I got the amount I wanted. I also got the Home Depot Rapid Pass app
Held my hand through the whole process
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
They are fast, efficient, and keep you posted all the way
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 […]
Very supportive and quick close. Arnold is great to work with
Everyone was positive. Also, everyone responded to my inquiries in a timely manner
Amazing lender. Great service. Fast and efficient
If you have a loan that fits their box. They are extremely good.
Civic Financial has been a pleasure to work with. We thoroughly researched several lenders beforehand and went with Civic for a few reasons. First, the loan application website was modern and streamlined. It was extremely easy to get started and […]
Jame was real helpful and the process is Simple and Quick
Professional service for the rep / Bijan and from financing / Jeremy through getting my account set up to close. Communication from others within the company (good follow through). Also had to scramble and actually closed in 1 Day -amazing. […]
Seamless and organized loan process
The CIVIC team was great
Nate did a great job of reaching out to keep me informed of progress
This was the smoothest closing I’ve ever been a part of. Jack Lupo is awesome- extremely responsive and transparent throughout the entire process. I will definitely be doing business again!
Civic did an awesome Job for a very difficult client!
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
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
I have done many transactions with Jackelyn and everything has always been smooth. I appreciate her accessibility and fast closing times!
Because I love the support and customer service and they did what they said they could do unlike other Hard money lenders
Peter Kraemer & his team are always great to work with, excellent customer service
Clear Communication & our Account Representative always working with us to provide the best Loan Case Scenario for our clients. 100% the Best
Ivan was able to be creative and figure out how to get the job done, dodging landmines and bringing in others as needed to make the loan work. And I HAVE recommended Ivan to others!
Peter Edmunds was absolutely excellent. This was my first experience with a direct lender and he walked me through the entire process. He answered phone calls late into the night and early in the morning. He was in constant communication […]
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Excellent. I would recommend to anyone.
Jacquelyn Boyle is awsome
Customer service was wonderful
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 […]
Great financing company!
The most trusted hardmoney lender in the business
Jackie and Rebecca were wonderful keeping my husband and I informed on the whole loan process, and very professional!
Completed refi seamless and communication was completed in a timely.
Jennifer Moates is very professional and executes as promised. Jennifer communicates well and I appreciate that above all!
Closed on time. Quick response
Awesome AE, Peter, and team at Civic. Great communication throughout the process
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
Randi did a great job in assisting to get this transaction in motion and communicated along the way!
Appreciate that there was ultimate follow through on getting the deal closed
Competitive rates for real estate investments. Great customer service
Best company to work with. Fast, and great rates
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.
Enjoyable to work with. Kept me informed on the progress
This was an emergency situation and I need to refi quickly before my other mortgage ballooned – CIVIC came to the rescue like a government bank bail out and they delivered fast without any hassles!
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.
Everyone at CIVIC works hard to ensure a hassle free process every time!! Brian Fung has been exceptional in each and every transaction and so has David Levine.
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 is amazing to work with!
Chris went above and beyond to make this deal happen!
Working with people you trust makes all the difference
Fast and easy to work with
Excellent communication, Team work and effort. Always a Pleasant Experience!
I can not tell you how appreciative I am of Jackie and Rebecca at Civic Financial. They closed my deal with in 2 weeks. Thank you ladies you are such a Blessing.
Mike Calvert and Merlyn Perezwere great to work with; they made the process easy to get it done and help to guide me through it
Great service! Jack and Aly were extremely responsive and understanding to a tough deal
Todd Kaplan and his Team were true to their word, worked super hard.
Great services and great staff! The decision to work with Civic has helped me achieve my professional goals.
Chris and his team did as they said with efficiency and courtesy
George Jones and staff were very communicative and helpful in every area of the transaction. They saved the client from losing $30,000 in escrow. Thank you!
Service was great and Jo Jones was exceptional
Easy close from start to finish. Jacquelyn and Dianabel were responsive and made sure everything was ready to go for our closing (which had a very short closing period). Wouldn’t hesitate to use them again.
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.
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
GREAT JOB TEAM
Dan did a great job! 4 days start to close!! Very impressed!!
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 […]
As always, great experience working with Michael at Civic. Great team!!!
Super fast turnaround.
A lender I can trust always!
Dependable patient attitudes, this was a complicated purchase, they marched on with everybody seeking the only option, success!!
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.
Civic never fails to deliver – we needed a 2nd mortgage to cover a gap and close a deal and Justin Cohen made it happen for us!
Awesome team to work with!
Working with Trevor & Kailyn was great! They made things easy for me.
Rance was outstanding. The process was quick and simple and the communication was excellent
The process was very easy. Having spoken with Brian on the phone many times he made it very easy and set us up with an Originate link for my buyer to apply. Then the warm handoff to his team made […]
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 […]
Excellent communication, timely responses, clear cut terms, and they were able to meet my needs
Working with Brian, Gabby and Teresa is awesome! They are great at communicating and keeping me posted and move expeditiously through the process. I hope to do another deal soon!
Our Account Rep, Bijan Tavazoie, has become a trusted partner. Working together on two loans now, and sharing vendor resources. I know he has our best interests at heart, and I will continue recommending his services.
This is my second time using civic services. I can truly say that my experience has gotten even better. They did not slack on taking care of me and giving me great service, attention, professionalism, and there time. Most companies […]
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
Matthew is the best person to work with
Amazing staff, very fast service
Nick Flowers, my account manager, was prompt, well informed, and did what he said! When other lenders changed the deal, Civic did the deal!
The Civic team is simply superb!
Off the chart care, communication and clear concern for finding a solution benefiting me.
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 […]
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Civic Staff continues to do an extraordinary job every single time. It’s not easy to find a lending company that can think outside the box!
Savannah is an amazing partner and we’d recommend her anytime!
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 […]
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. […]
I liked the service and professionalism of company. Jennifer is the best and knowledgeable and also she is very proactive.
Joshua Haddad is fantastic! Really appreciate how attentive he is and willing to work so hard on our behalf . Hoping this really works out to a long term financial partnership!
Great deal . Amazing job
Mariam Jasemi is hands down the best AE in the industry
Outstanding work Civic- thank you!
As a Realtor I have closed 547 transactions in my 7 years and this company was quick and reliable. Contract go close in less than 7 days .
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 […]
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 […]
Mr. Marazoni help us to find out the best solution for our requirements
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
Wonderful service and competitive rates
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
Fair cost of loan, Paige was very good to work with for all the right reasons
Civic has consistently delivered on their promise to support our business. We have done several deals with Civic now and they consistently deliver with excellence. Melissa Salinas and Michael Hoyt are high professionals, very knowledgeable and fast!
Eli Marcus is amazing
I will recommend this company to others, in fact my first one is already in mind.
Easy process. Staff was great to work with
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
Closing was Easy and painless
Michael, Monica H, and Monica… the 3 of them makes a great team…
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
Kendra’s team at Civic is very easy to work with. They are knowledgeable in their field and they make the loan process very smooth
Always great service!
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
Very easy transaction, terms quoted in the beginning were the same terms at closing. Very pleased with the service I received from George Jones. Very professional, experienced and excellent communication
Great service and follow through. Have already referred other investors to your company.
Easy closing. Great rates
Good help me really good
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 […]
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
Great service , quick response
Best lending institution I have ever worked with!
Fund quickly and very responsive
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
This company is easy to work with Nate took great care of us
Josh at Civic Financial Services helped me through the process on obtaining a loan to fund an investment property. Josh was such a professional and easy to work with. He made every step of the way simple.
Turned around my funding request pretty quickly. Easy to work with. Good rates. Have already recommended you to another investor
They work diligently and after hours to process the loan
Ben, Vanessa and Dianabele were amazing like he last deal!
The whole process is going smoothly.
The deal was quick and efficient and the staff was helpful and answered all of my questions
Best lenders in the lending market
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 had an excellent experience with Arnold.
Excellent fast service, did what said would do. Excellent financing option for investors!
Personalized loan products, clear and controllable application process, and quick loan close. The local account service is also first-rate.