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!
Great Service and Team Work!
Great fast service
Eli and his team were great to work with
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!
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 […]
Ben is great at organizing and finding solutions
Response time was stellar! Everyone was knowledgeable so it helped reduced the amount of back and forth
Dan was great communicator, Very well designed website where you can upload all the documents needed for the transactions, Competitive rates
Jackie is on point, quick to respond and a pleasure to work with. . . if you want a fast closing – better call Jackie!
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
Daniel Molina is fantastic
Working with Mariam Adams makes it a 10
I have worked with numerous lenders and I have to say Matt C. and his team exceed my expectations. Very professional, call/email responses and understanding my needs as investor. I am excited to work with him on more deals in […]
The experience I had with CIVIC was much more pleasant than Patch of Land, they are able to close on time and does not deviate from the terms that they quote
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!
We gave Jack and team a 10 day window to turn around a refinance on one of our properties. It came down to the wire, but they made sure it got done.
Ivan’s communication and response has been excellent.
Always good service.
Civic was very good to work with. Recommend them to all looking for investment needs.
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
Overall service is excellent
Fast and reliable! Thank you so much for helping us!
It’s not the company it’s the representative that represents the company. Natalia is outstanding. Doing whatever it takes to ensure a satisfied customer
Loan terms and rates are the best in the business. Better understanding of values and renovation game plans then most lenders.
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Jackie Gonzalez is the best. Great communication and she will fight for your loans. I will use you again real soon
Daniel is awesome to work with. He is very professional, and we enjoyed working with him. We hope to work with him for many more deals in the near future.
Awesome service! Prompt reply to inquiries. Fast, efficient process and closing. Well done!
Patrick and his team members Rebecca + Jose coordinated another successful closing.
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Second time customer, excellent service and loan teams!
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)
Jack Lupo and Michael Hoyt are always doing such and amazing job helping me throughout the process. They are always getting the job done. I appreciate all the help that I get from them and the entire Civic team. Mahalo […]
Great guy to work with. I hope to work with him on the future.
Matt was very helpful in completing this transaction. Would not hesitate to recommend him to another.
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.
I had a great experience with Civic!
I have now closed 4 deals with Civic and I have enjoyed the team I work with. Justin and David have worked hard on my clients and my behalf to close some difficult deals in the last few months. While […]
Erich was awesome!
Talar was quick to respond to any questions I had and she and her team completed the transaction with efficiency and professionalism
Always good to work with Jackelyn and Rebecca.
Things have really turned around and there has been more communication making things smoother
Will and his team at Civic have always done an amazing job
Great service. Wade really makes it happen
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 […]
Extremely professional and fast. Nobody is sitting around at that company they are moving
Eddie is 1st class and always professional & really helpful. And my closing agent said she had a very enjoyable experience with your entire team. Please pass on my sincere thanks to each of them
We just took a loan for the first time to buy property, and Civic Financial Services did a fantastic Job in providing the loan for us on a timely manner. William was very patient and didn’t push us to take […]
Exceptional professionalism, attention to detail, and expediency!
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 […]
Outstanding Service from Brian Fung & Gabriela
Working with Steve, Corey, and Chelsea is great.
Eric was great to work with on this deal. We have others going your way! Thank you!
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Randi did a great job in assisting to get this transaction in motion and communicated along the way!
The process is so smooth and Ivan and the team are great to work with
Eli Marcus is amazing
Will and the whole team did a great job on this rush file!
They are very easy to work with & creative with unique financing options too
Very easy to work with
The whole process is going smoothly.
Good service, easy to work with
I Give Jack Lupo a 10 star rating he is professional and knows his business my clients are very happy with the rate. Any future transaction will be with Civic Financial. They all came to getter to help me with […]
Great working with Eric, always on it
Mark Liker went above and beyond on my latest flip hard money loan. We only had 6 days to close the loan or the house was being auctioned off the following day through the county. Mark worked extremely hard to […]
Great lender with overall great products. My account executive Jo Jones is the best!
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!!!
Anthony always pulls thru for my clients! I will always recommend Civic!
Great to deal with for the 2nd time
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
Another great transaction with Marco and his team. Got more coming, thanks for everything!
Awesome service as always. Jackie and her team are the greatest!
Awesome AE, Peter, and team at Civic. Great communication throughout the process
Marco Castaneda is one of the best wholesales I have had in 18 years in the business. Very responsive and knows his programs inside and out. They are getting a lot more of my business because of Marco.
Because Justin and Chelsea were great throughout the entire process, they made sure everything that needed to be done got done and that it was a extremely smooth process
The upfront, honesty, sincerity, and quick responses. Not to forget Tammy’s constant updates!!!
I’m very pleased with the professionalism and timely way the loan was structured and handled. Jacqueline and her team were excellent. Thank you for making it happen
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
I love working with Jackie and Civic, they have great loan programs and the support from Jackie is outstanding. I enjoy working with you and the team. Thank you Richard
Talar is an amazing loan officer!
Great deal . Amazing job
Todd’s team was great to work with, always a quick response to any issues, and I really appreciate their “can do” attitude. Truly a pleasure to work with!
Peter Kraemer & his team are always great to work with, excellent customer service
Because I have an awesome rep!
Great service as usual
Quick response. Great rates.
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!
The process from beginning to end was conducted in a very professional manner. The communication was always great and the team did an amazing job working together to get deal done. This was my 1st closing with Civic and I’m […]
Justin Cohen. Amazing, efficient, quick and makes the process seamless and stress free every single time. 10/10 stars
Quick hands on service. Response time from Matt almost immediate. Exceptional service
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. […]
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
Really enjoyed the seamless process and the whole team was great to work with. Monica guided us along extremely well and with ease. Thanks to Josh for being a great partner and putting this deal together.
Always good fast with great communications. Quick closings, great service
Everyone was positive. Also, everyone responded to my inquiries in a timely manner
I had some difficulty on my end, being sick and busy. That delayed my response, and you did the loan even though the pandemic might have deterred others to do this good loan
Great experience with my broker at Civic. This is my third loan with them and I definitely plan to work with them again.
Excellent, speedy & courteous service
Anthony and his team were excellent to work will. I look forward to more transactions in the future
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 […]
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 […]
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!!!
Friendly service and speedy closing
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.
Outstanding team work, excellent & brilliant execution, timely handling and processing of documents. Exceptional communication from start to finish
The process is painless and simple, questions were answered quickly
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
It’s always a pleasure working with Civic
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 […]
Every thing they said they would do they did. When things became difficult they didn’t give up they pushed forward until the job was done and loans closed
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.
Good response time and frontloading of borrower requirements
I have worked with Civic Financial Services on few transactions and they are the best to work with when it comes to private deals. Very professional and responsive. They have always exceeded expectations for me and my team. We will […]
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.
Very good service from Chris and Chelsea
Level of customer service was excellent
I believe that the personable relationship with my particular broker, Brian Fung, made the difference. The interest rate, terms, and points for closing were competitive. They expedited the loan with speed and consistency
This is the second deal with Civic and, like the first, was very easy transaction
Quick close. . . good job Brian Lee
Rance helped me throughout the whole refinance process. I was very stressed out at the time. He helped make it an easy and smooth transition. He was available to answer questions after business hours, was very professional, understanding, and worked […]
Rance and Rebecca make getting a loan so easy and smooth. During times like this, it’s good to know my loan will close!
Tedd G. is the greatest. Extremely knowledgeable, helpful, and for a person as busy as he must be he is consistently very prompt in responding to calls, emails, etc.
Dave is always great to work with
Excellent service, fast response
Fast response, quick close
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 quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Excellent customer service with speedy underwriting
Nate was very responsive and moved my process as fast as he could
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 […]
Thanks Civic for the great work on my loan, fair fees , professionalism in every detail, and transparency, special thanks to Jennifer Moates , who worked with me all along,it’s the best, I’m definitely working with them on my next […]
Great service all the way through
It was a smooth process from start to finish and everyone was very helpful and knowledgeable.
Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!
Rance Brown and Rebecca Porter were excellent and responsive to work with.
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 […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
I highly recommend Civic!
Excellent communication, Team work and effort. Always a Pleasant Experience!
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Audre and Kathy were great to work with!
Superb handling of the case
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Chris Rosas, David Levine, and team did a wonderful job for me and my client. I’m thankful to have them as a resource.
Quick turnaround with an amazing 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!
Best service and well knowledge staffs
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
Always a pleasure to work with Civic. Vanessa and Whit have always made sure to go the extra mile to both tailoring loans and understanding of borrower’s situations in addition to completing and clearing loans quickly and accurately. Would recommend […]
The process is easy, Civic seems committed to serve clients through the current pandemic and Mark Liker is extremely easy to work with
I have the ability to get a loan even though I am a new business owner!
Great service! Jack and Aly were extremely responsive and understanding to a tough deal
Better rate and loan fee
As a first time home buyer, I feel fortunate to have chosen to work with Civic Financial Services. They were extremely easy to work with, prompt in relaying information and returning emails and phone calls, and were extremely friendly
Have closed three loans and each time every effort has been made to close the loan ASAP
Excellent support service.
Mariam took care of the file and helped us make the process very easy and convenient for all parties involved
Civic did an awesome Job for a very difficult client!
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Because you guys do everything possible to get our deals closed!
Communication was clear, persistent to get deal done, despite unusual circumstances. Eli was very professional and kept me updated. Thank you!
The Civic team is simply superb!
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
1st experience with this firm. I’m creating value while risks lie with you. Awesome loan rep! You rock!
My experience was a quick and easy closing
Ryder my loan officer was very helpful and went above and beyond to help me get through the process.
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!
I received excellent service and a speedy closing hassle free
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
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!
Civic Financial closed my loan with no hiccups. I’m a commercial loan broker and the service was good and fast paying. Thanks team Civic.
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 […]
Good communication,easy to work with
Great, reliable, speedy service
The turn around was short , and not too much paper
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Always a great lender!
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 always stays on top of the deal & being as transparent as possible. Always letting all parties know where we stand for closing.
Bijan was very responsive and always available. He and his team stayed on top of my loan and made sure that the process was quick and as painless as possible
Funding- Quick Closing
The cordial staff, and the quick responses made our deal happen fast. Thanks!
Second loan with Civic, and service is just as good as the first! Thank you guys for the amazing service and fast closings!
Matt from beginning to the end of the refi process did a great job!Will definitely continue to do business with Civic Financial!
A great team to work with. They get it done
Great job closing the transaction on time.
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
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.
I have had an exceptional experience with Civic Financial. Peter Kraemer has been super helpful and patient. He has spent time helping me outside of his normal work hours. Peter is definitely an asset to your organization
Works well with buyers
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
Melissa is great to work with
Civic has a good team for obtaining a hard loan during hard times
The whole team did an excellent job guiding me from which loan was better for the client to the processing, UW and closing. Kudos to everyone.
Civic Financial is second to none in providing quick and reliable lending. I was presented a property opportunity but needed a cash out refinance done in 4 days. Ryder Byrne and Michael Hoyt pushed it through quickly and with very […]
Jackelyn is excellent to work with. I appreciate her transparency
Another smooth Transaction with Civic!
I appreciate the good service from Justin Cohen.
Justin was very professional, always responded in a timely manner and provided clear and concise details about the loan process
I wish all my deals could be done by civic, Scott vincenti is the best rep. I have dealt with