CIVIC is your local Phoenix 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 Phoenix 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 Phoenix 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 Phoenix.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Phoenix 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 Phoenix private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Phoenix 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 Phoenix 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!
Randi was a pleasure to work with!!
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
Very professional and fast to respond
Extremely organized and effective. You keep promises!
Great services and great staff! The decision to work with Civic has helped me achieve my professional goals.
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
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
I believe that the personable relationship with my particular broker, Brian Fung, made the difference. The interest rate, terms, and points for closing were competitive. They expedited the loan with speed and consistency
Great customer service and easy to get in contact with
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
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
I have done a refi and an investment new construction loan with Civic. . their proffesionalism and promptness is matchless. Great to work with Rebecca, Jim and Arnold are amazing to work with! I look forward to many many more […]
5th flip this year and 5th loan with Civic, the relationship strengthens and the profits keep rolling! Very two way profitable relationship!
Matt is very helpful
Rance helped me throughout the whole refinance process. I was very stressed out at the time. He helped make it an easy and smooth transition. He was available to answer questions after business hours, was very professional, understanding, and worked […]
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
Ben is great at organizing and finding solutions
Branch manager Zac Miller was amazing – so easy to work with and I got funded rather quickly
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. […]
Speed, communication and aggressive products.
Once again Melissa and her team did great job with this close i was at risk of losing the whole deal because seller want to close sooner so Melissa went above and beyond and got it done. Merci
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
Josh provided quick and professional service while being able to provide us a competitive rate and term.
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.
It is always apleasure to work with Civic!
Jacquelyn Boyle is awsome
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Ben and Aly went above and beyond to meet the drop date for closing. Ben is always responsive, available, and flexible to the situation; he can quickly assess the situation and come up with a solution.
Love Anthony he is very professional, perfect fit for my team. He is just the person that is always open to solve and help on every single point when I am been asking for support. Just thankful to Civic for […]
Chris and his team are great to work with. They make the process so easy
Everyone was great. My questions were being answered.
Chris was a pleasure to work with. He got the job done quickly and efficiently
Always a good experience.
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 […]
All the individuals involved in this transaction were completely helpful and professional
Very knowledgeable people
Service was great and Jo Jones was exceptional
The Civic team makes my deals close seamlessly! There commitment to going above and beyond is what set them apart. Jackie and Becky Are awesome !!! I really appreciate your outstanding lever of customer service. If your goal is to […]
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!
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
Civic is a pleasure to work with, they handled every aspect of my clients loan with the utmost professionalism and demonstrated flexibility in working to get the deal done. I will certainly be using them for upcoming loan transactions!
Civic team did an excellent job of completing my buyers purchase transaction. Dan Crouse was always readily available for any and all questions and concerns
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
Melissa is the best!
Buyers are Very Happy!! And will definitely do business again!!
The speed /quickness is important
Easy and quick process
Was told yes when others said no. He did what he said he would do. Was great to work with. I’m going to use him on all my loans
Service is good, my AE was responsible and responsive, answering my questions and problem shooting even on the way to vacation, Have worked with him on many deals.
Great organization and attention to detail! Will continue piping deals to my guy Matt Comeaux!
I had a property I needed to close in a short period of time. Nick Flowers contacted me within an hour of placing the request and worked with me diligently to get it closed. Always answered my phone calls and […]
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 […]
Other than giving CIVIC the rating, the 10 goes directly to my Account Executive Jason Mendonza. Since minute one of our conversation he took the time to listen and understand my situation, if it wasn’t for him and his willingness […]
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
Jackelyn and Civic has been a pleasure to work with and always ontime closing
John is great to work with!
This was not our first rehab, but it was our first time working with a hard money lender. We chose CIVIC due to their excellent rate and rehab loan program and the comfort that we felt with our account executive […]
Excellent communication and smooth process, look forward to working together on future deals
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 […]
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Jaqueline is the best account executive I have work with, great support great program amauzing results
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
Matt is always the best to work with
Will is definitely someone I will be happy to make business with
I had a great experience with Civic!
Enjoyable to work with. Kept me informed on the progress
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
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Reliable & friendly service
Mike J is top notch.
Easy closing. Great rates
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
Thank you Matt and David for everything. On to the next one!
Melissa and her team are truly amazing. They worked hard during Thanksgiving holiday to ensure my files are taken care of and went above The call of duty I have received such outstanding service. Merci
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
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. […]
Excellent. I would recommend to anyone.
From beginning to the end of the loan civic and their loan team were awesome! They were quick, efficient and very easy to work with and communicated daily, I would highly recommend them
Mr. Cohen provided me with superior prompt service and I look forward to working with this company again in the near future.
Great service closed on time
They have been very professional in their services. Great job! Thanks
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
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
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Once the file gets to loan docs and back to funding, loan funds right away. .
I would recommend Civic Financial to everyone I know in the business BECAUSE of Matthew Marky. Matthew has a strong work ethic and goes above and beyond any Rep. I have worked with in the past 18 years in 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
Quick service who truly want to help the client
Chris went above and beyond to make this deal happen!
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 […]
I had the great experience of working with Marshall Jones at Civic and his amazing team there. The experience was great and i would highly recommend them. We closed on time and got my client exactly what was promised on […]
This was the loan from hell, borrower bought from auction.com sellers kept changing things from start to finish. Civic handled it without any problems. Melissa Salinas kept me updated and was as professional as any A/E I have ever worked […]
I will recommend this company to others, in fact my first one is already in mind.
Common sense and a very quick process
Excellent service always on time . A pleasure working with Anthony
Jackelyn is one of the better Mortgage Consultants I’ve worked with in a long time. Calls/emails were always return with precise response. Under promised and over delivered. Her support team is amazing and a played a major role in my […]
I felt the team was fast and responsive
Civic Financial is easy and very professional to work with!
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
Fast and easy to work with
Great, Friendly Service
Truly hard working and positive team with full intentions to close loans.
I really enjoyed the experience with Civic due to the customer service of KB. He helped to make this experience seem less and was very patient with my questions.
Civic delivered on the terms they quoted
Outstanding work Civic- thank you!
Quick close great communication.
Ryder my loan officer was very helpful and went above and beyond to help me get through the process.
Excellent company to work with, very fast, no complication, Steven Fisher is the best account executive and very professional
Professional, Responsive and Detail Oriented Loan Officers
Great work. Talar was amazing
A great team to work with. They get it done
Great company, they work fast and do as they say!
Loan process and closing were very smooth!
Friendly service and speedy closing
Rance and his team do an excellent job keeping me informed about the process of my loans. He is always there to address any concerns or questions I may have
Marco and his team are so great to work with! Make the loan process easy and quick
Working tirelessly to close a very difficult loan.
They were great to work with as always
Easy to work with and with a good attitude
Mark was always quick to help with anything no matter what time of the day it was.
Mark was easy to work with, timely and a no-hassle experience over all
Matthew’s service was honest, thorough, and efficient from beginning to end. He made myself and my business partner completely comfortable throughout the entire process. I loved that he was always available, although we are on two opposite sides of the […]
The service I received from the very first phone contact with Chris Lushina was professional and got full and good information. Then all of my contact with the closing team was the same . Always answered my questions promptly. Have […]
Easy to deal with the staff Good job to JP
Easy to work with and good Client care! Will be using them again!
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
Working with Jack Lupo has been a great experience. He’s been nothing but awesome with knowledge, understanding and patience. I look forward to building a relationship with him and the rest of the CIVIC team. Mahalo!!
Very responsive. On top of things. Great communication with insurance agent, escrow
Civic Financial Services handled my transaction with a high level of professionalism and speed. Their processes are streamlined, which for a customer equates to a high level of confidence and security that they will do what is promised. And that […]
Level of expertise, commitment, responsiveness and ease of use
Brian Fung really worked hard to make this happen. He is a stud
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 […]
Justin Harrisson and Leslie Grant worked hard with me. [This was 5th real estate closing]
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
The process with Civic Financial was great from start to finished and we close in days!
a pleasure working with civic and cristen Gonzales. as a hard money lender hes very knowledgeable and an important asset to my investment company. cant wait for our next transaction
very professional and easy to work with
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Very good service from Chris and Chelsea
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
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 […]
Randi is great. Randi goes beyond and always keeps a good communication
Every thing they said they would do they did. When things became difficult they didn’t give up they pushed forward until the job was done and loans closed
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!
Mike J is always on top of things, even on the weekends. Really appreciate how he makes me feel like I’m a VIP.
Great, productive and professional
It is always a pleasure working with my Civic Team, Arnold, Jenna, and David, they are consistent with their support and always readily available to assist. Thank you!
Great job! Another deal done
Fast approved, available all the time day and night.
Good rates. Mark Liker was very nice to work with
Matt and Corey are the best
I most appreciated the responsiveness.
Very helpful in getting my investment LLC going
As a first time borrower for flipping property I found Manny and his team very helpful. I will use them again.
Great service, product knowledge and execution. .
The process of working with Civic was easy, fast, and much appreciated.
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
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 […]
Excellent service and quick respond to questions
Excellent service good communication
Nick was very informative, prompt to respond and helped walk me step by step through the entire process. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier.
Great service and assistance from my rep Randi, thanks!
This was my first experience with private lending and I’m extremely pleased with how everything went. My account exec, Walter Brown, was fantastic and I will definitely use him again should the need arise
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
Great service as always. Great team work
I presented a loan that was too difficult a challenge for several of your competitors. It was difficult for Civic as well. However, the loan officer, processor, and underwriter were patient and determined. We all believed this was a viable […]
Great Service and prompt turn around. Can’t ask for more!
Upfront with everything, professional, diligent, always eager to help and solve problems
Great communication and helpful securing my 3 loans
Our experience with Marshall Jones was excellent. This is our 2nd transaction with him and both experiences were outstanding. He is a great communicator that is familiar with your programs and walks us through the process along the way. Marshall […]
CHRIS LUSHINA is simply an AWESOME rep. His communication skills are excellent. He knows how to trouble shoot files and find resolution to get files to docs
Want to express my gratitude for the job well done
Good help me really good
You Guys Rock – and fill a nice niche
Ryder Bryne is my contact at Civic Financial Services and he has been a delight to work with. He goes above and beyond to try and get everything processed to meet your closing date. I will definitely be reaching out […]
Eli is awesome and very professional
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.
Very helpful, friendly staff, good communication, great tastes and quick closing!
Rance has been easy to work with and Civic is putting out some very competitive products. Kudos!
Because you worked with us all the way until we closed providing all the support we needed
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 […]
The amount of time it took to expedite the closing. Along with the professionalism. Justin and his team made this a very easy process.
Paige is simply the best ! Super professional and helpful . Thank you
Great loan product and always close!
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 […]
Brian and Kailyn were awesome, always available to answer any questions even during off hours. The whole team at Civic is great making our transactions quick and seemless
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Great experience and results!
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
John Paul did a great job staying on top of the issues and moving this to closing
Jack is one of the best AE’s around. He is extremely professional, very responsive and knows his stuff. It is a pleasure to work with Jack and I hope we are able to close a lot more loans together.
Justin and his team are always a pleasure to work with, professional, timely and always there to support your transactions to the finish line
Thank you for your assistance
It was an absolute great experience. Civic work hard for me from start to finish. I would highly recommend using Civic to any of my friends and family.
Jack is amazing to work with!