CIVIC is your local San Francisco 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 San Francisco 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 San Francisco 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 San Francisco.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to San Francisco 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 San Francisco private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. San Francisco 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 San Francisco 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!
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.
The most trusted hardmoney lender in the business
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!
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. […]
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
Professional, Responsive and Detail Oriented Loan Officers
Matthew is the best person to work with
The contract to close was efficient. My buyer changed lenders a week into the process, which put the process a little bit behind, but we got it done. Some of the communication was misunderstood and the cash to close was […]
The loan closed on time
Great cuatimer service. AE just great . transaction was closed . customer was happy
My broker Mr James Hatcher was very helpful and knowledgeable and he did the entire process in a very short time as he told me before we started the loan application. I’m very satisfied with his services!!! Outstanding!!!
Randi was very easy to work with!
Justin Segal is a very pleasant person to work with. He is always very cheerful and responsive to our needs. We truly appreciate all his efforts throughout the process.
Very Engaged, competent and has the ability to get the loan closed and is very fast when necessary!
It’salways a pleasureto work with Civic Financial !
Justin and Team were amazing. they helped me on a very short time frame. Thank you again
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 .
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 […]
Civic never ceases to impress me with their ability to get to closings in a timely manner. They realize that time kills deals and the less time it takes to fund mitigates much of the concern
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Arnold is great -communication is great. I am happy with the speed and rates
The loan terms are great. The loan Agent was knowledgeable and made it is to understand my requirements and suggest an appropriate loan. He was always available to resolve issues and my questions.
Great service, timely respnses
As I had mentioned it to Kendra, our loan officer, we enjoyed the experience. It was painless and Civic delivered on what they promise. Their team is on top of things and move the process along quickly. As far as […]
Excellent service, the company was wonderful to work with, fast and efficient
They are great to work with and communication is awesome
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
Off the chart care, communication and clear concern for finding a solution benefiting me.
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Excellent customer service, quick funding
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 […]
Chris is the best!
Response time was stellar! Everyone was knowledgeable so it helped reduced the amount of back and forth
Mariam was on top of the file and understood the important factors of the transaction. She represented the process in an understandable way and managed expectations accordingly. She overcame the hurdles of the transaction like a Olympic hurdling athlete : […]
Professionalism and efficiency
I received excellent service and a speedy closing hassle free
Very professional company and they work hard to satisfy the customer and get the loan funded
Arnold and Becky were doing a great job ! Especially Arnold keep me poster on the loan process on every steps. I am so glad that he is my loan officer and will do more business with Civic Financial Services […]
good service and on time of closing escrow
I worked with Randi Lauren and the amount of attention we received was worth a 12 on a 10 point scale, seriously. Follow up was extremely fast and easy to understand. Thanks to her!!!
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 […]
Marshall is an amazing loan officer. Thank you again
Matt is the best
The process was fast and easy
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
Because they are awesome! Closed our loan efficiently!
Overall service is excellent
Excellent service! Very impressed with Eli’s professional service.
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 […]
Great work getting difficult transaction closed in a matter of days. Brian and the whole CIVIC team did a great job.
Rance Brown gets the job done. 5 stars.
The process is painless and simple, questions were answered quickly
I love Civic! Quick, Professional and Courteous all at the same time. . . .Yessss!
Great customer service! Reggie Reid was very thorough and easy to work with. He had incredible follow up. I also really like the user friendly portal to submit documents
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
Extremely professional and very courteous
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 Process is extremely Easy !
Outstanding work Civic- thank you!
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
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. […]
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
Works well with buyers
Kendra Rommel was my point of contact at Civic and she was awesome! She responds quickly, was full of information, and held my hand through the loan process. Thank you Kendra and Civic!!!
Mark and his team did a fantastic job and were able to close the transaction 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. […]
Will, Aly, Marisa and the rest of team did an outstanding job again as always! Another smooth transaction.
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.
Civic was fast and delivered on the type of loan my clients needed.
Rance was great throughout the process even with glitches that came up during last days of closing.
Todd Kaplan and his Team were true to their word, worked super hard.
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 […]
Jack Lupo and Michael Hoyt are one heck of a team. They go above and beyond to make sure that you are taken care of from loan application to funding. When there was bumps in the road they were there […]
Very pleased with AE Brian Fung
Great bank to work with
Honest, quick to respond, open to options, openly looking for better options of funding to fit the situation. Great lady to speak with. Checked up on my progress throughout the process. Thank you!
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Bijan was very informative and transparent from beginning to end. I have spoken to quite a few hard money lenders and felt most comfortable with Civic. This is largely due to Bijan and his ability to explain the entire loan […]
Great service as always
My broker Chris Rosas and the Civic team have great communication and efficiency
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 […]
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Josh was wonderful he always called very professional he is a great representative for your company!
I would recommend them to anyone
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
The loan officers were very helpful in guiding me through the process. It was quick and easy to close. Look forward to doing future business with Civic
Justin was very responsive and got the deal done smoothly.
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
Randi communicates well and made the loan close on time
Excellent service; always return my calls; happy with the team
The service by Wade LaRouche was extremely professional. He gave diligent answers to all questions and made himself ever available. He and Teresa Esquivel went above and beyond to make my deal happen
Randi Lauren is AMAZING! Great communication and follow-through with Civic’s ability to close deals – thank you!
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
Justin did a good job
Easy and transparent to work with!
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 […]
My investors loved working with the Rommel Team. Kendra, Leslie and Corey are reliable They make the process easy and quick. Thank You
Very professional team, Daniel is very responsive and closed quickly.
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.
Excellent people to deal with. All around great experience. Highly recommend
Michael and Monica were awesome
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 […]
We would definitely recommend this company! Daniel is very professional and very helpful! He worksed hard for us and got the deal done quickly! We are very happy and will continue to work with Daniel for our next deals!
Jacquelyn is awesome!!!
Rance was amazing. . . I had a difficult project and he went out of his way to get the refinance completed!His hard work will end up saving me a lot of money!
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
Great customer service and easy to get in contact with
Matt was a pleasure to work with, very professional and helpful throughout the entire loan process. Matt was also accessible and would answer calls and emails with any questions or concerns I had. I would recommend Matt and CIVIC in […]
Because I love the support and customer service and they did what they said they could do unlike other Hard money lenders
Great team and execution!
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
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
First time client, 10 day close, immediate funding after I signed – service was excellent!
Because I love my rep and processor!
Easy to work with, no bs, quick closing
Great team to help get through the process.
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
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 […]
Very good service. I especially appreciated the help from my account executive Michael
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 […]
Another great transaction with Civic! We love working with Marshall, he makes every transaction go well.
So helpful, easy to work with and fast. Absolutely loved this experience (it is my first ever loan and I’m so grateful for how well this went)
I appreciate the good service from Justin Cohen.
Easy to work with
Monica Hawley and Dave Piasecki were extremely responsive and worked with me to get my project funded despite some very difficult circumstances! I would recommend Civic to lend on real estate deals
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
Review of the rehab budget was fair and was supportive of the project’s success. Adam did a great job of pushing the loan towards the end to try and meet our COE
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
The loan process is very smooth and efficient
Justin Cohen was my Loan Officer and from now on is my Loan Officer. He helped me to buy my first investment property. I am totally new at this. He was very patient with me from the beginning. He explained […]
Marco and his team are great!!
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
Working with Joe Z. was a breeze. He’s always very helpful
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.
Michael was amazing at getting this done quickly and thoroughly
Great communication, Quick close
As a first time borrower for flipping property I found Manny and his team very helpful. I will use them again.
Amazing support from Ben, Vanessa, Dianabele once again!
Good manager / employees
Quick hands on service. Response time from Matt almost immediate. Exceptional service
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
The team is very Professional, responsive and and handles transactions with sense of urgency
Good loan coordinator. Easy transaction
Better rate and loan fee
On top of the whole process
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
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
Civic is Great!
Our LO was fast and efficient and we had direct lines of communications with Brian Fung from start to finish. This is our second transaction with him and Civic and we are looking forward to transacting many more in 2019
Quick turnaround with an amazing service
Jack you are a superstar
Very helpful, kind 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
Timing is very good and the support is just amazing. We are working with Anthony as he is very committed on his work
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
Solid underwriting, clear terms, fast closings
Been in this business a long, long time and Civic has by far become the only lender that reminds me of the good ole’ days!! STELLAR COMPANY! Thank you, Justin Segal!!
Rance has been wonderful. He’s very responsive and has a quick turn around on things!
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
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
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 […]
Ms. Lauren was diligent and professional in handing my home refinance from the beginning to end. I commend her and also her team for that.
Efficient lending. Team works closely together
Very smooth closing
the Deal closed as needed
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!
Brian and his team are awesome to work with. His communication is great from the beginning to the end, and he makes himself available at all times of the day to answer or assist us in any way
It was a quick close
Excellent service and turn-around time!
Everyone at Civic is on the ball. My file moves quickly, everyone is responsive and communicates well and funding occurs very fast once all conditions are met.
Michael P gave Great service and has great personality with the job
My rep (Jackie) and processor (Rebecca) are fantastic!
I would recommendCivic Financial to anyone
CIVIC has always been an efficient lender, great to work with!
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 […]
Excellent service. Met expectations as promised.
Peter Kraemer & his team are always great to work with, excellent customer service
They always keep their promise. Customer support is excellent.
Loan went smoothly and quickly
Marco is a STUD. Hands down he gets the job done
Great fast service
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
We make a great team
This was my 3rd transaction with CIVIC this year and I had full trust, as usual, that all was being taken care of during my busiest months of the year!! Truly a 5 Star service run by true professionals!!!
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
Anthony was great in the process
It’s always a pleasure working with Justin and civic It’s such a smooth process
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
Jackelyn and Rebecca are the best . They care about every loan I sent them no matter how small or difficult it could get . They are always there ready to help . I wish all the AE from other […]
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
Great working with Eric, always on it
It was awesome to work with Cristian Gonzales, he made everything so easy for me… he was very knowledgeable about the whole deal… I would definitely recommend him
Truly hard working and positive team with full intentions to close loans.
Eddie Salem was a true professional, and was on target with his timeframes. Heidi Marshall also made it extremely easy to work with Civic and was on top of the file!Extremely satisfied with both Eddie and Heidi’s service
Chris was absolutely timely and did what he said he would do. I felt like he truly was working on my behalf to make this deal happen!
Very fast response time