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 a FANTASTIC experience with Peter Kraemer with his patience, care and expertise in coaching me during my very first project. If he was unavailable when I reached out to him, it wasn’t long before I received his follow […]
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
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 […]
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
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
Great communication with my rep Nate
I had a great experience with Civic. I worked with Andrew, Teresa and Melissa. Every step of the way they made sure I was in the loop. Civic has excellent systems to help submit applications, budgets, etc. I plan on […]
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the […]
Brian Long took care of our application, it was refreshing where Brian was nudging us a long the way even though with other lenders it was the other way around. Highly recommend Civic Financial Services
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Arnold is wonderful and always makes the transactions go super smoooth
Melissa is the best!
Said he could fund it and Did! Can’t ask for anymore! Thanks
Civic was very responsive and worked quickly to fund my project
Good and fast service!
Civic is here to make your transaction a success. Just ride their coat tails across the closing line
Great service, very responsive and delivers, love working with Brian
Cristian Gonzales. He is 100% the reason for my 10/10 rating. Not only did he get it done super fast, he was a ton of fun to work with. Give the man a raise! 🙂
The Service is great Kendra’s team is the bestTo work with!!
Everyone worked very diligently, very happy
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Ease of doing business, agile responsiveness, and consistent professionalism
GREAT JOB CIVIC
Fast and easy closing
Excellent service and speedy closing
Great cuatimer service. AE just great . transaction was closed . customer was happy
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
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!
Audre made us feel assured we were going with the right loan for our situation. I’m very pleased with her performance and professionalism. You should be proud to have her on your team.
Working with Ryder was great, he is attentive and very helpful!
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Marco and his team are awesome! They make the process so simple and quick!
The Process was fast!
Awesome lender. Highly recommend and will re-use
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
My experience with your company has been excellent. The AE that worked with me is simply awesome, the entire staff have been very helpful, efficient and simply wonderful. In spite of all the hurdles and short time frame, they all […]
Very pleasant, good products, quick service.
Great service and rates
From start to finish Jack and Vanessa were absolute professionals. They did a outstanding job!
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 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
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 Service as always
Rance was very helpful throughout the whole process. Great service
Excellent service! Very impressed with Eli’s professional service.
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
Civic did it again! One more happy customer.
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
Awesome transaction! Jo is the best!
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
Michael was very informativeand professional. He was always available even after regular business hours. Heidi also handled the paperwork efficiently and quickly
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
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
Very fast close even with some unique problems, always prompt communication and expert knowledge of the process
You guys rock as always!
Excellent I highly recommended
CIVIC has always been an efficient lender, great to work with!
Jack is amazing to work with!
Efficient, transparent and forthcoming.
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
Civic was always on top of it and communicated their updates at every stage
Great customer service
I will recommend this company to others, in fact my first one is already in mind.
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
Rance and everyone at Civic was great to work with. Very professional, communicated extremely well. They were on top of the process from start to finish. I am looking forward to working with them again in the near future.
Another successful closing with Civic. We had a short closing time frame and they came through for us.
The Civic team is simply superb!
Great terms, easy to work with
Melissa and herteam great to work with Thank you
Justin is awesome!!
The efficiency in every single step, plus the friendly and professional representatives that guide us trough the entire process
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.
Matt is the best. He’s by FAR the most professional and conscientious person I’ve had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!
Ben, Dianabel and Vanessa were amazing to deal with once again!
Excellent service from Beginning to end
It is always apleasure to work with Civic!
The list of products you offered are more than most lenders and your service is excellent and fast
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
Thanks for the promptness of Rance Brown got my refinance cash out on investment property. The whole process went easy and quickly . Application to closing was much quicker than I anticipated. I am more than satisfied with my experience […]
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Excellent communication and smooth process, look forward to working together on future deals
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!
Dave is always great to work with
Everyone always stays on top of the deal & being as transparent as possible. Always letting all parties know where we stand for closing.
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
I would recommendCivic Financial to anyone
We absolutely loved working with Civic!Our broker Blake Rogers agreed to meet us in person and we were very impressed with his knowledge, responsiveness, honesty, and genuine understanding of what WE needed, and try to work with that. We were […]
Great service all the way through
Really awesome service!
Jackelyn provides very good professional services and it would be different without her.
When no one else would consider giving me a loan because I didn’t fit their box. . . . Civic got it done! Mike was quick to respond, and Civic navigated a few hurdles and got me the cash quickly! […]
Civic Financial is easy and very professional to work with!
Great hard money lender
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 was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
Your entire team has been very helpful and accommodating through the entire process. It’s a breath of fresh air to actually reach out to some one and get the answers/ solutions I need
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Nick Flowers did an awesome job. Well done!
Very quick and efficient
Another great closing
This is our second Loan with Civic and we are just as pleased as we were the first time around. Thank you so much
Thank you Matt and David for everything. On to the next one!
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
Eli Marcus is amazing
This is our second refinancing and as always, Jackelyn has shown her professionalism throughout to make sure the closing is smooth.
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
Chelsea Menese is by far the best processor, loan coordinator I have ever worked with. This file along with the 4 previous files were very easy as a result of HER amazing talents. Chris Lushina has also gone out of […]
Easy approval process and most importantly, certainty of closing
My Account Executive is the best and her level of professionalism and compassion to help exceeds of any AE I have experience in my 10 years of arranging financing
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
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!
Thank you for your assistance
great rates, great customer service. overall great experience
Civic Financial Services does a good job processing loans for us. Their pricing is fair and they close quickly. I’ve closed many loans with Jackie Gonzalez
Worked through everything. Very helpful and informative
Brian Fung and his team were amazing – they closed my loan within 10 days! The underwriting and loan process went extremely smoothly without any hiccups. The loan time periods can be very frustrating and stressful but they made it […]
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
Great lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
I am a broker and I direct business to Civic on a regular basis. I have worked with Civic for 3 years now and believe Civic has the best platform and operations in the industry. My rep, Chris Rosas is […]
I highly recommend Civic!
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 […]
Great communication. On time and great follow up
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
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Very supportive and quick close. Arnold is great to work with
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. […]
Jack Lupo is awesome! Smooth process from start to end
John Paul did a great job staying on top of the issues and moving this to closing
Excellent service as always
5 star service
Very easy to work with!
Kendra is great to work with! She knows what she’s doing, is a problem solver, replies quick replies, and is trustworthy. I definitely recommend reaching out to her
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
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.
Matt was very responsive throughout our multi property refinance. He and his team did an excellent job of communicating hurdles and checkpoints as we progressed through the process. They also offer investor friendly loan products that are difficult to find […]
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!
My AE makes my deals work even on the most difficult loans
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 .
Great communication and availability
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
Best company I’ve ever worked with.
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
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 […]
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Cristian was extremely helpful. My processor was very new to the private money fix n flip process, and thus: essentially worthless. If Cristian was not as hands as he was, the loan would not closed as fast as it did. […]
Randi is great. Randi goes beyond and always keeps a good communication
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 […]
Great lender with overall great products. My account executive Jo Jones is the best!
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Vanessa Lopez is fantastic at Piloting us through the loan process. Jack Helfrich is always there for issues when we need him. Of course Civic is competitive with the other Hard Money lenders who approach us
This was my third transaction and all prior ones have gone very smoothly
Buyers are Very Happy!! And will definitely do business again!!
Action fast and professional!
It was very easy to work with the entire Civic team . Special Thanks go out to John Riturban, Marisa Davis and Jenna Alvallero. I will be in touch again soon to refi another investment property
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
Quick turnaround with an amazing service
John Paul is the best rep!
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Competent, get the job done
The process with Civic Financial was great from start to finished and we close in days!
Our broker partner is always there to help and takes time to explain. His underwriter team in California are ALWAYS a tremendous help to making sure we have everything on file and amazing communication.
The team works together to get the loan done!!
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
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 […]
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
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 […]
I was really appreciative of the follow up, attention to detail and consultation from the loan officer, Ryder Byrne. I especially liked the programs and speed of which the transaction was funded
Great, Friendly Service
Things have really turned around and there has been more communication making things smoother
Mike Jablonsky is the face of Civic and outstanding at what he does for my office.
Brian was outstanding through out the complete loan process. He was in constant communication and always available
Derek kept me updated and had constant good communication and was able to deliver on his word. I also appreciated that he didn’t over promise. Great experience
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
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 […]
Marco, thank you for the closing gifts and most importantly your close attention to detail. Most importantly closings in a timely manner! Great job! We’ve had 3 account executives with Civic and I think we only closed one deal with […]
Got it done!Not always easy but we made it across the finish line! Clayton is a very hard worker and will go above and beyond.
Davis Bennet did a remarkable job from the beginning all the way to the end seeing that this loan got closed and funded. Very impressed and pleased with his performance and will use Civic again because of him. I will […]
My rep Chris Lushina is unique in all his efforts to get the job done. He applies his communication skills and knowledge of the product to bring out the best result from his staff to produce positive results for his […]
Mike J is always on top of things, even on the weekends. Really appreciate how he makes me feel like I’m a VIP.
Justin is the best. Always returns phone calls and stands behind what he does
Civic has a great process and are fair
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.
Easy to work with and they got the deal done
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 […]
Once the file gets to loan docs and back to funding, loan funds right away. .
Civic Financial Services did a great job with our loan. They looked at our experience as a renovation company and gave us a very competitive rate. They were also very responsive, funding our loan within about 7 business days of […]
Chris went above and beyond to make this deal happen!
Good sense underwriting and favorable terms
Eric was great to work with on this deal. We have others going your way! Thank you!
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Excellent customer service!
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
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.