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!
Fast, friendly communication and service!
Excellent service; always return my calls; happy with the team
Another 5 Star experience with Marco and Corey!
It was a pleasure working with Matt and the rest of the Civic team. They were able to assist us in closing a deal in a short period of time. My team and I look forward to working with them […]
Randi is responsive and reasonable
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 […]
Working with Civic has been an excellent experience for me and my client, the process , communication, efficiency and level of customer service, truly pleasant.
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 […]
Service was great and Jo Jones was exceptional
I love Civic! Quick, Professional and Courteous all at the same time. . . .Yessss!
A lender I can trust always!
Have you ever been at an event with arms raised in the air, pumping both hands up and up? That’s what is feels like working with Civic. Each contact is super positive, elevating your confidence in the transaction. Each closing […]
Matt is the best. He’s by FAR the most professional and conscientious person I’ve had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!
Delightfully easy process!
It’s always a pleasure working with Justin and civic It’s such a smooth process
Quick close and an easy process
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process
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 […]
Always a good experience.
Very fast close even with some unique problems, always prompt communication and expert knowledge of the process
Brian has wrapped up two files with a RED BOW. . .
Overall experience was excellent. Loan officer was very knowledgeable about loan products and processing/underwriting procedures. Loan processor was efficient, effective and easy to work with.
Great customer service.
Because your services are awesome
Past business experience with Civic
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 […]
Closing was Easy and painless
Once again got my deal done in a quick efficient manner. Civic has been my go to lender for private money for over two years now. Keep up the good work Civic!
Consummate professionalism, excellent response time
Great communication. Arnold is Awesome
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Easy to work with and very professional
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Chris was amazing. .
Always a great experience working with Civic. Very professional, excellent service and helpful every step of the way. Specifically, I’ve worked with Whit and Vanessa and those two are awesome!
Will is definitely someone I will be happy to make business with
Easy to use and work with.
Easy to work with, responsinve, and Todd Kaplan is a great rep
GREAT JOB TEAM
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 […]
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!
Fast loan decisions, good communication, very good to work with, and professional
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
Rance and his team made the entire process very easy.
Easy to deal with and on top of things for a quick close!Thanks for all your help!.
Great service as always
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Great communication, Quick close
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
As always, great experience working with Michael at Civic. Great team!!!
Great experience. Outstanding always!
Working with your reps George and Jo Jones makes this process to easy. Meeting them has saved me and my clients a lot of money to later invest :Thank you guys for everything you do
Awesome service as always. Jackie and her team are the greatest!
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
I have worked with Jack Lupo and his team on other loans and they are GREAT to work with. Always there to help get the job done. Thanks, Jack and Team
We had some issues with the county permits and they went way beyond to work with the county and get everything updated so we could buy our hone!
Very pleasant, good products, quick service.
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Everything was as I was told. . . I would for sure use this company again for my financial loans in business purchases. Thank you to everyone who played a part in this! Thank you so much!!:-)
Acct Rep was outstanding
Jack, Heidi and Jose Thank you for the excellent job . Gracias to Help my clients Civic Financial Services are my number one lender; more than 18 loans
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
My Account Executive is the best and her level of professionalism and compassion to help exceeds of any AE I have experience in my 10 years of arranging financing
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
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 […]
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
Another successful closing with Civic. We had a short closing time frame and they came through for us.
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Great Services and process! And you cannot beat their competitive rates and terms.
The team is very Professional, responsive and and handles transactions with sense of urgency
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
Civic delivers every time!
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
John Paul is the best rep!
Patrick and his team members Rebecca + Jose coordinated another successful closing.
Better rate and loan fee
Jack you are a superstar
Jackie Gonzalez was incredible. Patrick Morgan put us in touch with her immediately the day we reached out and we closed just weeks after. Jackie was on the ball, kept us updated, was super knowledgeable and worked with us the […]
The process was very easy. Having spoken with Brian on the phone many times he made it very easy and set us up with an Originate link for my buyer to apply. Then the warm handoff to his team made […]
Marshall and his team were very good at explaining the process and helping me to move forward with the transaction. I am much more comfortable now with the borrowing process and will definitely use them again.
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
Reputation, Rates, and Service
Highly recommended. They are professional, diligent, and courteous.
Many thanks to Peter Kraemer at Civic – It was refreshing to work with someone so upbeat and responsive. We will definitely be calling you first the next time we’re looking to purchase another investment property.
Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again […]
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
Great customer service
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
Kevin is very professional and a pleasure to work with. Thank you
Quick close great communication.
Got it done!Not always easy but we made it across the finish line! Clayton is a very hard worker and will go above and beyond.
Ben and team have been great! Thank you
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Excellent service and experience
Matt came thru even with all the delays from the buyer. Did a great job!
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Excellent follow up, and genuine care to get the deal done and help out
Quick turn around for service
Really enjoyed working with Rance; very easy and on top of the finance options. . Extremely helpful and financed in a timely Fashion
Great communication and availability
Will is defiantly someone I would like to do business in the future
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
The representative, Jack Robinson was great to work with. As needed he was very present in the process and could get answers and not excuses. I have been in finance and accounting since 1977 and he is a good representative […]
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 funding team of Daniel, Jose, and Maurissa got it done.
Civic team were very professional & meet their committed dates
Fast and easy to work with
Justin and Jack was great to work with and helped me push this through so fast. Great person!!! Thanks
Excellent service from Beginning to end
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Viet communicated every step of the way and kept everything running smoothly.
Amazing and professional service
Great service, very responsive and delivers, love working with Brian
Great service and customer service
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
The process was very smooth and their product is unbeatable!
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!
Prompt and friendly service
Civic was always on top of it and communicated their updates at every stage
Outstanding work Civic- thank you!
Awesome service. Very responsive. There was a delay on the seller’s side and Civic was on top of it and was ready to close immediately.
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 […]
Fast fundings 🙂
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
We have a great team with Jack, Aly and Michael. They are always on top of our customers
Fast service, excellent team
Civic and staff were amazing to work with, they were there every step of the way
Wade la Rouche was the reason y’all got this rating
Matt is very knowledgeable and easy to work with.
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
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 recently closed on a transaction that was smooth which is very important to me our reputation with RE agents that bring us deals. I feel I can trust the folks at Civic to deliver what they said on time […]
Very prompt and efficient process!
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Mathew Specht, Account Executive, is the Best in the business. As a Broker, I have closed loans with more than 300 different alternative mortgage lenders during the past 20 years. Matthew is the rare AE who not simply a ‘Yes […]
Matt Rabinowitz was extremely proficient and straightforward. When an answer was not off the top of his head he was able to retrieve it with a quick response and accurate answer. Everything occurred as planned, no big surprises, the transaction […]
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team
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
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Chris went above and beyond to make this deal happen!
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
Great services and great staff! The decision to work with Civic has helped me achieve my professional goals.
Excellent to work with!
Good response time and frontloading of borrower requirements
From start to finish Jack and Vanessa were absolute professionals. They did a outstanding job!
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Great financing company!
Michael Ricigliano, of Civic Financial- He offers the utmost professional business lending services tailored to our needs. BEST lender in our Real estate industry
Talar was quick to respond to any questions I had and she and her team completed the transaction with efficiency and professionalism
Erich was awesome!
Arnold went beyond the call of duty on this one . . tough deal but he got it thru. He is very smart when it comes to these type of deals, and im glad he is on my side
Excellent service, the company was wonderful to work with, fast and efficient
Thanks to My Account Executive, Melissa Salinas and Account Manager, Michael Hoyt, it has been a delight to work with Civic and on this process for this file. Thank you guys!
Jacquelyn Boyle is awsome
Very quick turnaround and professional positive attitudes
Excellent service and very responsive.
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!
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. […]
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Great work!Do what they say
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
Rance has been excellent to work with, fast an sufficient closing
The process of working with Civic was easy, fast, and much appreciated.
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
You guys provide great service. We really appreciate the easy communication throughout the loan process.
On top of the whole process
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 […]
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
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 […]
Quick Service, on-time closings!
Jackelyn and Rebecca were excellent and efficient with our transaction!
Things have really turned around and there has been more communication making things smoother
Quick turn around from start to finish
CIVIC is the best choice if you need to get your loan done fast and easy!
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
Works well with buyers
I will recommend this company to others, in fact my first one is already in mind.
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 […]
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
The online process for applying for a loan w/Civic was simple and straightforward. I got immediate feedback & knew exactly the deal for which I was qualified. The Account Executive, Randi Lauren, followed up with a phone call the same […]
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
This was my first time working with Mark Liker for a hard money loan. I switched to him from my previous hard money lender, as he came highly recommended from a wholesaler friend of mine. Mark was professional, his numbers […]
I had a great experience with Civic. I worked with Andrew, Teresa and Melissa. Every step of the way they made sure I was in the loop. Civic has excellent systems to help submit applications, budgets, etc. I plan on […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
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 prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
Many thanks to Civic Financial Services! The process was streamlined and efficient. My loan offer went above and beyond to ensure we received the best deal possible. I truly enjoyed working with the staff at CIVIC, looking forward in doing […]
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
Tough loan – good job getting it closed