CIVIC is your local Miami 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 Miami 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 Miami 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 Miami.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Miami 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 Miami private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Miami 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 Miami 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!
This is our third hard money lender and the closing was so smooth. Thank you!
Very helpful staff
CIVIC has done it again! Outstandingly consistent awesome service across the board. Thank you for a job well- done!
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Jackelyn provides very good professional services and it would be different without her.
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 […]
It’s always a pleasure working with Justin and civic It’s such a smooth process
Truly exceptional customer service and execution. We love the Civic Team!
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
Another top notch job. Excellent communication and staying on top of all aspects
Ivan Oberon is great to work with
Very easy to work with, tried a few other Mortgage Companies and Civic was by far the best to work with
Process was better than expected
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
Excellent product and service
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!
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 : […]
Civic moved quickly and was very responsive to meeting my needs
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
Smooth closing process.
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 .
Eli is amazing. Great communication
Justin was very helpful and informative throughout the whole process
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Service was beyond perfect Mark, Corey and Monica are a great team!
Audre and Kathy were great to work with!
These guys are the best hassle free and fast
Great lender with overall great products. My account executive Jo Jones is the best!
Quick turnaround, competitive rates & fees
Simple , easy , quick loan
They always keep their promise. Customer support is excellent.
Excellent customer service!
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Awesome rep….awesome customer service
Mike J is always on top of things, even on the weekends. Really appreciate how he makes me feel like I’m a VIP.
Very quick to respond and close loans; Efficient process
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
Civic is consistently on point and always follows through. Marshall and the team he works with are easy to reach and thorough which enables them to close quickly as promised
They were very thorough in obtaining information necessary to qualify us. Were patient while we gathered required documents. Were able to close on a tight timeline!
Fast service, excellent team
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 […]
Good follow up! and good follow through
I felt very comfortable using Civic Financial as a hard money lender. There were no hidden costs and everything was kept up front. Rance Brown was an excellent account representative and was always available to answer questions. I would not […]
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
This is our second transaction with Civic (Peter Kramer) and we couldn’t be more pleased. Thanks again for all you do to help us “make it happen”!
Jennifer Moates is very professional and executes as promised. Jennifer communicates well and I appreciate that above all!
One of the best overall experiences I’ve had
Anthony has been a pleasure to work with
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
Great service, timely respnses
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
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 […]
Everything went well and everyone is very professional
Great communication and quick close
It was a smooth process from start to finish and everyone was very helpful and knowledgeable.
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
Rance Brown and his team of Becky and Chelsea were FANTASTIC (no understatement, and I have worked in commercial lending for 32+ years, since February 1988) to work with, and I appreciated how pro-active they were, seemingly more interested in […]
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 […]
Loan officer was diligent and super fast. Already working on the next few loans. Will recommend to my fellow investors.
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 […]
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Civic closed on time with no surprises. I recommend their services.
Our Director of Business Development is amazing. We work with many different lenders, and we go with CIVIC because of our relationship we have with Ben shaevitz. I appreciate his knowledge, his communication, work ethic, commitment and accountability. If he […]
It’s been a pleasure working with Anthony!I have already referred a friend who also closed a loan with Anthony. He is the man!!
Great service, product knowledge and execution. .
Awesome lender. Highly recommend and will re-use
Justin, Ally and Marisa are all BEASTS!!
Very helpful, we had help and answers to all of our questions every step of the way
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Ben, Dianabel and Vanessa were amazing to deal with once again!
This is the second deal with Civic and, like the first, was very easy transaction
Extremely professional and fast. Nobody is sitting around at that company they are moving
Awesome service provided
Civic has earned a 10 from me. First, because they are available, no call backs, no chasing a response and no delays in communication. When I reach out rarely is a message or request for a response even an opportunity, […]
Awesome team to work with!
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 […]
Awesome company, fast, and competitive rates
The process is easy, Civic seems committed to serve clients through the current pandemic and Mark Liker is extremely easy to work with
Process was smooth and the Civic team was professional every step of the way!
Working with Trevor & Kailyn was great! They made things easy for me.
Good loan coordinator. Easy transaction
Amazing customer service!!
Quick closing! Everything that was offered was then delivered
Superb handling of the case
Never before have I had a company so focused and dedicated to help me close as fast as time permits. I’m sure we’ll do more business in the near future. I’m glad I found the right company to finance my […]
The Civic team always provides world class service!! Jacquie, Rebecca & Darren are amazing!!!
Melissa is the best!
Michael was amazing, he was there for me every step of the way. He was always available to answer the phone including nights and weekends. Civic does things the right way. Seriously the best
This was a tough one considering the title company made it like they had no clue how to get the deal closed, but you guys pushed it across even with the title challenges
I was working with Justin and he is amazing. Very professional.
You guys got the job done!
Matt was outstanding ! A true professional ! A first class experience !
Civic Financial was able to close my deal very quickly. They have a great system in helping walk you through the entire process step by step, making it as smooth as possible. Dawn welcomed me with a smile every time […]
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
Quick close and an easy process
Bijan and the team handled the loan superbly. Ran into a small snag, but working together we were able to make it happen and close on time. Things happen in this industry and It’s nice knowing the ppl you are […]
Because I love the support and customer service and they did what they said they could do unlike other Hard money lenders
Marshall Jones and Monica Hawley were an absolute pleasure to work with. They are very knowledgeable, efficient and professional. With all these attributes, what stands out the most is their courteous and patient approach throughout the loan process. I will […]
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
Great communication. Arnold is Awesome
Rance and his team has helped us through our loan process in such a professional manner. Rance has really made the process smooth and stress free. He was always available for questions and provided good customer service. We will definitely […]
The upfront, honesty, sincerity, and quick responses. Not to forget Tammy’s constant updates!!!
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
Fast and efficient loan process and closing
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
Top service and results
Jackelyn and Rebecca make a great team!! They are on top of the ball, get things done, and know their stuff!! Will continue working with them and Civic Financial!!
Great experience. Civic was easy to work with!
Randi is responsive and reasonable
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!
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Ryan Snep was fantastic to work with. He was professional, helpful and knowledgeable. I would highly recommend Ryan and Civic Financial Services for all your hard money loan needs
Melissa Salinas and her team is awesome. Very helpful and prompt. The process was smooth and they are very good at keeping me inform. Everyone was very friendly and professional. I would recommend Melissa to anyone who needs a hard […]
Civic has a great process and are fair.
Clear Communication & our Account Representative always working with us to provide the best Loan Case Scenario for our clients. 100% the Best
Nick and his team were very professional and great to work with the whole time.
Extremely professional! Look forward to doing business again in the future
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
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
Amazing support from AE and great inside processing
Quick and seamless closing. Team is awesome!! Thank you
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!
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!
It was an absolute joy working with Patrick. He exceeded all of my expectations and brought a very relational side to the lending which can often be too cold. Civic has won me over. looking forward to doing more business […]
Rance and his team were great to work with. They were quick to respond and the process was fast
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
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
Excellent customer service, quick funding
Rance was quick to communicate, answered any and all questions, and was extremely helpful in walking me through the process. Highly recommended
The CIVIC team was great
Just closed my first deal with Civic. Peter K is just the best rep ever. Great communication skills, quick response and always keeps you in the loop.
Fast and friendly service on loans and funding
Justin was very professional, always responded in a timely manner and provided clear and concise details about the loan process
You guys provide great service. We really appreciate the easy communication throughout the loan process.
Because your services are awesome
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Great products for investors
Randy was really helpful to work with. She always kept me informed of the process. I really would highly recommend her to my friends and family
Civic did an awesome Job for a very difficult client!
Marco and his team are awesome! They make the process so simple and quick!
Efficient lending. Team works closely together
Jason Mendoza was very responsive and great at following up and making things went as smoothly as possible.
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
Civic was able to quickly get us financed so that we could move on a house
Personable service, quick responses and accurate information.
Kendra and Leslie are awesome, attentive, and a pleasure to work with!
Great guy to work with. I hope to work with him on the future.
Full support and communication from Melissa, Michael and Paige
Josh was very professional and never missed a step to our loan making a positive conclusion!
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.
Cristian Gonzales was a pleasure to work with. He was always very detailed and on top of my loan he would ALWAYS answer my calls and all the questions I had. Process was super fast and just couldn’t be happier. […]
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 […]
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.
Todd Kaplan is outstanding, and very easy to work with
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 […]
The way it should be done. Compared to others in the industry – you guys are mind blowing.
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
The service went beyond expectations, always excellent and professional
The team comes through every time!
Rance and Rebecca were great and quick!
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
Mariam and Lillia are great
Rance and his team made the entire process very easy.
Communication was clear, persistent to get deal done, despite unusual circumstances. Eli was very professional and kept me updated. Thank you!
Audre torgeson helped me a lot!
This was my third transaction and all prior ones have gone very smoothly
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
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.
Smooth transaction from start to finish. Eli, Dianabel, and Merlin were helpful throughout the loan process and working with all parties to get this closed quickly
Chris and team were available for questions and did a great job explaining the process
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 […]
Fantastic closing throughout all of the steps of the transaction, special thanks to all of civic and the Rommel Team, God Bless you Kendra
Great loan structure
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 lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
Justin is extremely professional, kind and easy to work with
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
Working with Civic is always a great experience. I have closed many deals already.
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
I’ve done multiple transactions with Civic. Easy to work with. Best rates I’ve found for the kind of projects I do
Quick turnaround with an amazing service
This is my 2nd loan through CIVIC FS. I’m a return customer by choice! This loan went through even faster than the 1st and the application for a repeat customer was short and sweet. I love their terms and the […]
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!
Kendra and her team are professionals
Chris went above and beyond to make this deal happen!
Because of the amazing team I work with.
Paige is the best to work with! Smooth process!
Jackie and Rebecca are the best team ever
Nick you were awesome and the consummate professional. You are the best example of what it takes to get deals done. Look forward to many more with you
Mark Liker did a great job facilitating this loan
Eli was consistently supportive and always available to answer questions and help me through the process. After the loan funded I needed his assistance for another refinance and had more questions and he maintained great communication and always made time […]
It is always amazing to have the opportunity to work with a professional team, and this is for far the most prepared and excellent team Thank you!