CIVIC is your local Memphis 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 Memphis 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 Memphis 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 Memphis.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Memphis 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 Memphis private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Memphis 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 Memphis 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!
Cristian was very knowledgeable. He went above and beyond his normal job duties to help get this loan closed super fast. Will definitely work with him again.
Great work!Do what they say
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Paige is simply the best ! Super professional and helpful . Thank you
Randi is responsive and reasonable
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
I truly appreciated working with Jackelyn Gonzalez and Rebecca Potter. We have completed 5 transactions this year, and they have excellent communication. Excellent turn around time and I can freely discuss any concerns without a problem
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
EXCELLENT COMMUNICATION. FEEL LIKE YOU GUYS ARE ON OUR TEAM.
I would recommendCivic Financial to anyone
Josh provided quick and professional service while being able to provide us a competitive rate and term.
Great Company TO WORK WITH!
8th loan in 12 months done in a record 11 days. Our guy Brian came through for us, we wish him many coloring sessions for the grey hairs we give him. NOT! just two minuscule conditions from Kailyn and ZERO […]
Quick close great communication.
Always the best! Civic nailed it again!
Chris Rosas and David Levine are just a dream to work with. Efficient, helpful and extremely professional. Thanks guys.
Quick, easy, professional, knowledgeable, and willing to help problem solve
My account management team is really awesome. Always willing to help and respond quickly which is vital in the real estate realm where you need responses quickly or you have the potential to lose out on a deal
Excellent service. Met expectations as promised.
Very professional team, Daniel is very responsive and closed quickly.
Easy to deal with the staff Good job to JP
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
Good loan coordinator. Easy transaction
You guys provide great service. We really appreciate the easy communication throughout the loan process.
I most appreciated the responsiveness.
Marco and his team are so great to work with! Make the loan process easy and quick
Very responsive and attentive to detail. On time with documents, etc. Kept me fully informed along the way. Randi and Bijan were great!
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, 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!
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
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
Genuine concern to help
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
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
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
My rep (Jackie) and processor (Rebecca) are fantastic!
Easy and transparent to work with!
Chris L did a great job on funding our difficult deal. He never left me in the dark. I will definitely take my next INVESTOR deal to Civic because of Chris’s consistent follow through.
Josh at Civic Financial Services helped me through the process on obtaining a loan to fund an investment property. Josh was such a professional and easy to work with. He made every step of the way simple.
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
As always, great experience working with Michael at Civic. Great team!!!
I enjoyed working with Ryan. Made the process easy. Treated me as if my business mattered. Many salesman just wait for the easy sale and don’t want to work
Great communication with my rep Nate
Fast communication, streamlined process
Quick response. Great rates.
Fast closings, easy to work with, straight forward
Civic was promptly funded our deal when it’s ready. Especial mention to Marshall who personally assist us to our transactions. Hopefully we’ll be working more with them and will definitely recommend to other investors. Mahalo!
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
The loan process was quick and the fee’s are reasonable.
Very helpful staff
Second loan with Civic, and service is just as good as the first! Thank you guys for the amazing service and fast closings!
GREAT JOB CIVIC
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Very easy to work with, Kept me informed and closed fast! Adam and Corey are awesome, they made me comfortable during this detailed process. I also know this is a little out of your desired area and because all of […]
We were extremely happy with the process- exceptional!
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team 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 […]
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 […]
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
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 […]
Closing went smoothly and Eli did a great job keeping things on track
very professional, prompt, seamless, and prompt closing
Excellent service from Beginning to end
Excellent pricing structures and low fees
AE Kevin Victoria is very helpful to work with
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
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!!!
I am giving 10 because: you know handling time matters; it is very relevant to me. Efficiency is relevant for business. Rance and his team and Civic in general provides elite customer service
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 […]
My Rep Peter Kramer was absolutely Amazing!
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
Great job Jack! Thank you!
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
Action fast and professional!
The folks at Civic Financial are amazing. We had two loan applications that were processed by them surprisingly fast, and the entire process was seamless and professional. We then applied for a third loan, and are already approved in a […]
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
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
The process was painless, the rates are extremely good
Civic got the loan done in a timely manner , nice professional service!!!
Quick closings-smooth process-great communication
Amazing lender. Great service. Fast and efficient
Davis provided accurate and professional information/service and communicated with me throughout the entire process
Great service. Wade really makes it happen
The real deal!Other lenders made promises that they could not keep. Civic financial closed my loan quickly and with little hassle. I’m looking forward to working with them again!
Civic closed on time with no surprises. I recommend their services.
I would recommend them to anyone
It’salways a pleasureto work with Civic Financial !
Good to work with and competitive rates
The professionalism of your representative Randi Lauren.
You guys are awesome! Thanks for making my business experience with you guys so pleasant. Will be doing business again with you soon!
Civic was very responsive and worked quickly to fund my project
Second time customer, excellent service and loan teams!
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
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
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
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 […]
The Process was very fast
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
John Paul is the best rep!
Good help me really good
Because they are awesome! Closed our loan efficiently!
Jackie and Rebecca were very professional and easy to work with. Any time i needed assistance they were readily available and jumped in to get my transaction completed in an effiecient and timely manner .
Outstanding Service from Brian Fung & Gabriela
Once the file gets to loan docs and back to funding, loan funds right away. .
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
Chris Lushina is a mover & a doer. His skills in product knowledge which best fits his clients needs are excellent. His ability to communicate to us even during ruff times with loan issues always gets the job done. He […]
They kept us informed step-by-step
Brian was great it was easy fast and non worrisome
Scott Vincenti is probably one of the greatest referrals I’ve received. He’s very well spoken and just a well rounded guy that is very knowledgeable about the business. He’s never not been able to answer a question, on top of […]
We had a wonderful experience. Customer did not qualify elsewhere. We transferred the loan to Civic and the process was fast and done right. Great experience for borrower as well.
Civic was easy to work with and helped me achieve my real estate goals.
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
Anthony has been extremely helpful and accessible through the whole process.
Justin was great to work with and helped me push this through so fast. Great person!!!
Brian Fung was great to work with. . . . he was very communicative and held our hand through the entire process. I would highly recommend Civic and would definitely use them again.
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 […]
We had a difficult deal and were able to get it done
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!
Common sense and a very quick process
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
Fast loan program Ryder is great and very professional; so happy for the application experience
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
LOVE working with Whit and Vanessa, they are the best! always on top of their game.
Process was explained thoroughly. Expectations were exceeded. Customer service was top notch. Constant updates. Very happy all around
I have a fantastic account rep, Paige O. Prompt, Knowledgeable, Helpful and Friendly.
Personalized loan products, clear and controllable application process, and quick loan close. The local account service is also first-rate.
Civic delivers every time!
Great company! They worked hard and made sure everything go smoothly. Marisa, Jose and Dan all did a great job this time. We are very pleased! Thank you all for the hard work. We look forward to work with them […]
Brian was great to work with. No big surprises and they came through faced with a tight timeframe to close the loan.
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Justin was great! Did a very well job!
Brian Fung really worked hard to make this happen. He is a stud
Very smooth closing
The process was simple and fast. Both Jackelyn and Becky were on top of communication by answering emails promptly and any question that we had.
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 […]
As in Independent sale office,the Civic Financial ‘Services” team gives us the tools, insight to overcome obstacles,education for a smooth underwriting process and eventually close and bring value to our clientsSpecifically, Jackelyn Gonzales and her team including Rebecca Potter and […]
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Mark was easy to work with, timely and a no-hassle experience over all
They always keep their promise. Customer support is excellent.
Everything went well and everyone is very professional
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 […]
Steven Fisher and Corey Fueston are the reason loans get funded. Trained professionals who know how to close loans and always beat the competition. You know when you work with the right Lender when other huge companies are laying off […]
Ben and Vanessa were amazing to work with. Both very quickly to respond to any questions and provided superior service
Brian Lee was great to work with. So was Cory
My AE, Melissa Salinas, and Account Manager, Michael Hoyt are the best and make my job a whole lot easier. I am grateful to their superb professionalism, as no other lender rep can compare to them
Great Service and prompt turn around. Can’t ask for more!
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
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Great experience and everyone was very professional
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
The customer is unmatched
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
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!
Rance is awesome, so is Rebecca. They made the loan process a breeze.They are direct lender, so they are not all the time looking to sell your loan to Wall Street, means you qualify easy.They will walk the talk and […]
Great experience and results!
Best company to work with. Fast, and great rates
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
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
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 .
Fast closing terms I can work with.
I would highly recommend Eli Smushkovich & Chelsea Meneses. They answer their phone and respond to e-mails promptly. Eli is a consummate professional and worked diligently to get our loan done timely
They are just that good!
Marshall has been great from start to finish. He explains things clearly, is always friendly and pleasant on the phone and is patient with me, but still very quick to respond
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
Eli was great, he was very responsive, all staff also gave timely responses, and friendly staff
Michael was very informativeand professional. He was always available even after regular business hours. Heidi also handled the paperwork efficiently and quickly
Great service and customer service
Excellent I highly recommended
Talar was amazing and was always there with updates.
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 […]
Always a pleasure working with Peter Kraemer & his team. Professional 100% – seamless and efficient, never stressed when working with Peter. Job Well Done!
Everything was great thank you!
The Civic team is simply superb!
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
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!
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
Extremely professional and fast. Nobody is sitting around at that company they are moving
Very good service from Chris and Chelsea
As usual, I have a great team with Jackie and Rebecca and now we have Darren on the team! Keep up the great work!
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 […]
Courteous and speedy service.
Great service and rates
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
Smooth closing process.
We love us some Civic!
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
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
Great experience. Very happy with my experience
Chris was a pleasure to work with. He got the job done quickly and efficiently
Working with George through the process great because he was available all the time
Excellent Service, working with Eric & Diana was a pleasure
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 […]
Everyone was great. My questions were being answered.
Good service, would send more business
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
My experience was primarily with Kevin Victoria, and he was fantastic. The deal got a bit hairy, and Kevin was constantly on top of it. I don’t believe it would have closed, if we worked with almost anyone else. Overall […]
Whit McCarthy and Vanessa Lopez are the gold standard in executing fix-and-flip loans. I have used Civic numerous times to close loans and I will continue to do so because this is an amazingly skilled team