CIVIC is your local Orlando 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 Orlando 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 Orlando 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 Orlando.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Orlando 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 Orlando private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Orlando 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 Orlando 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!
The team works together to get the loan done!!
Pleasure working with them!
Jack Robinson is the BEST!!Huge asset to Civic Financial Services!
First time client, 10 day close, immediate funding after I signed – service was excellent!
Civic performs and Jack is awesome
Quick, easy and closed on time.
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
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
Audre and Kathy were great to work with!
I would definitely recommend Civic Financial for your real estate needs. They make the process seamless and Cameron Esquivel was the best to work with to get my transaction closed.
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Very pleased with AE Brian Fung
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.
Ivan was great to work with
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
Very smooth closing
Amazing and professional service!
Dependable patient attitudes, this was a complicated purchase, they marched on with everybody seeking the only option, success!!
They are very easy to work with & creative with unique financing options too
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
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
Well I am supper impressed by the way these guys handle the transaction. Dream Team, really a Dream Team.
Jackelyn and Rebecca are the best . They care about every loan I sent them no matter how small or difficult it could get . They are always there ready to help . I wish all the AE from other […]
From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.
My AE, Melissa Salinas, and AM, Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
The closing was super fast. From beginning to end my loan was closed in 8 business days. It was such a easy process. I will definitely use them again!!!!
Fast approved, available all the time day and night.
Service. . Says it all. .
This was the loan from hell, borrower bought from auction.com sellers kept changing things from start to finish. Civic handled it without any problems. Melissa Salinas kept me updated and was as professional as any A/E I have ever worked […]
Because Jackie, Rebecca and Darren are awesome and I love working with them!
Appreciate that there was ultimate follow through on getting the deal closed
Very easy to work with, I tried a few other Mortgage Companies and Civic was by far the best to work with.
Nate did a great job of reaching out to keep me informed of progress
I was skeptical, but everything went really smoothly. Great communication. Closed very quickly.
Very easy to work with, tried a few other Mortgage Companies and Civic was by far the best to work with
Civic is here to make your transaction a success. Just ride their coat tails across the closing line
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 […]
Superior andfast service
Dave made this process very easy. His communication was top notch
KB was fantastic from start to finish with a ton of work and guidance in between. KB was a plether of knowledge and master of the process which was extremely helpful to me so I’d highly recommend him and Civic […]
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
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
Great service and products
Working with Civic is great. My AE Justin Segal and his team are awesome. They push and get stuff done fast. They reply within minutes to every email / text or call. Their construction loan programs are awesome. I recommend […]
Excellent service. Deal number 24 . Gracias jack and team
EXCELLENT COMMUNICATION. FEEL LIKE YOU GUYS ARE ON OUR TEAM.
Marshall is an amazing loan officer. Thank you again
Because Jackelyn walked me through everything
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
Response time was stellar! Everyone was knowledgeable so it helped reduced the amount of back and forth
AE Talar was awesome! Great customer service. Very knowledgeable and the process was smooth and fast! Great communication!
Justin was very helpful and informative throughout the whole process
Great service, very knowledgeable
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
Ben is great at organizing and finding solutions
Randi communicates well and made the loan close on time
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
Mark and his team did a fantastic job and were able to close the transaction quickly
My Rep Peter Kramer was absolutely Amazing!
Michael was extremely professional on all aspects of this deal
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
My team of Manny Mosqueda, Lilia Gonzalez and Teresa Esquivel were extremely professional and helpful every step of the way. Their communication the entire way helped me make my closing deadline. They made a stressful, difficult process seem easy
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
I was pleased with the short time the whole process took.
Easy to work with and good Client care! Will be using them again!
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
James and his team are great to work with, they went out of the way to make the process smooth
Very responsive, competative rates, smooth closing
I most appreciated the responsiveness.
Melissa is the best!
Excellent service and experience
Brian was very professional and efficient. They delivered on their promise. Brian and his staff kept the communication lines open and kept us informed
Fast closing terms I can work with.
Mark was always quick to help with anything no matter what time of the day it was.
Quick service, great communication, easy process.
Natalia provides unbelievable customer service, dedication to 100% customer satisfaction, is a problem solver not a problem maker, and she’s willing to overcome any obstacle that was put in front of her
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.
Good service and flexible within reason
Great service. Wade really makes it happen
John Paul has been helping my business with transactions for over a year now. He has great communication and even better follow up. I consider him to be a great part of my team when it comes to financing a […]
Jack is amazing to work with!
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
This is the fifth deal we did with Civic Finanical. This company is easy to work with. Dan was very professional and did everything he can to help the funding go smoothly. We love working with Dan.
It’s always great pleasure to work with a great CIVIC team: Jackelyn Gonzalez, Becky Potter and Darren Pascual. Very fast and smooth process. Thank you guys!!
I am a broker and I direct business to Civic on a regular basis. I have worked with Civic for 3 years now and believe Civic has the best platform and operations in the industry. My rep, Chris Rosas is […]
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Easy closing. Great rates
I’m not a large volume brokerage, but I get treated like one. Everyone is very responsive and turn times are quick. I wish I had more deals to send you guys!
Prompt communication, smooth transaction
Fast and efficient loan process and closing
Arnold is beyond amazing – making this a very painless process – as an experienced investor i can’t find a better option than Civic- 5 stars
Michael, Monica H, and Monica… the 3 of them makes a great team…
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
I had a great experience with Civic, excellent service
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Honestly, Randi made the entire process extremely painless. Even when the simplest snag came up, she was on the phone to resolve immediately. She was thorough, direct, and honest. I cannot wait for the next property.
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.
Mike J is top notch.
The Process was fast!
Civic is great at communicating throughout the process and are always quick to respond to questions. This is important to me
This was not our first rehab, but it was our first time working with a hard money lender. We chose CIVIC due to their excellent rate and rehab loan program and the comfort that we felt with our account executive […]
This is a great team to work with
Jennifer Moates is very professional and executes as promised. Jennifer communicates well and I appreciate that above all!
Another great deal
Prompt and friendly service
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
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.
Great service and follow through. Have already referred other investors to your company.
Excellent fast service, did what said would do. Excellent financing option for investors!
Civic has a great process and are fair
Civic really have a Great team. They are all very sharp and knowledgeable. I am very impressed how quick we close my deal
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 […]
Cristian was extremely helpful. My processor was very new to the private money fix n flip process, and thus: essentially worthless. If Cristian was not as hands as he was, the loan would not closed as fast as it did. […]
Very quick and efficient
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Fast Closing and Quick. Great Job Rance! Very Responsive
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
Great company to work with.
Honest, fast and delivered every promise. Great communication.
The Service is great Kendra’s team is the bestTo work with!!
I was thrilled at how quick and easy Civic was to work with. We were even able to close early. Thank you Dave Rooker for helping me get this going. I look forward to a long relationship with Civic. Before […]
They were diligent and quick
Ivan’s communication and response has been excellent.
I appreciate the good service from Justin Cohen.
Closing was Easy and painless
Awesome service as usual!
Great Experience. Matt was very attentive and ensured he was a part of the entire process from beginning to end, as well as keeping the communication lines open
Amazing, quick, seamless process. I was thoroughly impressed. Will use again
Fast loan decisions, good communication, very good to work with, and professional
Friendly service and speedy closing
The team over at Civic really go above and beyond to help our clients! With all the changes we go through day to day, their continuous innovations are just what our markets need! Without Civic there would be a large […]
Jack, 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
I’ve had an excellent experience with Rance, Rebecca, and Jeremy. They are quick to respond, work with me to find the right loan, and communicate well
Justin Cohen was my Loan Officer and from now on is my Loan Officer. He helped me to buy my first investment property. I am totally new at this. He was very patient with me from the beginning. He explained […]
Good loan coordinator. Easy transaction
Audre torgeson helped me a lot!
Matt Rabinowitz was fantastic! Since this was my first time securing funding via Civic, I didn’t know what to expect. But, Matt was able to facilitate a cash-out refinance that took less than two weeks from application to having the […]
Great personal attention!Civic (and Randi) do what they say!!!
Process was explained thoroughly. Expectations were exceeded. Customer service was top notch. Constant updates. Very happy all around
Civic closed on time with no surprises. I recommend their services.
I really enjoyed the experience with Civic due to the customer service of KB. He helped to make this experience seem less and was very patient with my questions.
Customer service was wonderful
Very professional team, Daniel is very responsive and closed quickly.
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
Will and the whole team did a great job on this rush file!
So very knowledgeable, caring and so friendly
The list of products you offered are more than most lenders and your service is excellent and fast
Great terms, easy to work with
Quick response. Great rates.
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 […]
If you have a loan that fits their box. They are extremely good.
Super team of Civic does wonders! Sixth loan in 10 months and all have been successful flips. Thanks to Brian Kailyn and Mike for everything they do for our financing the deals
Really, it is the person I work with that makes Civic so worthwhile. Wade LaRouche was right there for me all the way through a couple of transactions that required diligence and hard work
Had the Programs and was easy to talk to to get things done
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.
Very professional and fast to respond
Fast processing to approve a loan
Thank you Matt and David for everything. On to the next one!
Chris was a pleasure to work with. He got the job done quickly and efficiently
Rance and team are amazing. They are knowledgeable, passionate and always available. This is my first time working with Civic Financial and what a wonderful experience I had, I would recommend this company to anyone. Thank you Rance and team […]
Loved the team Eli, Vic and KAILYN, they made it happen!
Peter was great to work with. Extremely communicative, quick to respond, friendly, knowledgeable, and ultimately offered great rates and helped us to secure a great fix and flip project in West LA!
The process was fast and easy
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
Closed another one with Jackie at Civic!
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 […]
Great, reliable, speedy service
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 […]
Best service and well knowledge staffs
My broker Mr James Hatcher was very helpful and knowledgeable and he did the entire process in a very short time as he told me before we started the loan application. I’m very satisfied with his services!!! Outstanding!!!
Justin was very responsive and got the deal done smoothly.
Very professional; Great communication; Follows up.
Excellent product and service
Great to deal with for the 2nd time
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
Justin’s great 🙂 Everything was smooth from start to finish
Great service and quick process
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
Very prompt and efficient process!
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Viet communicated every step of the way and kept everything running smoothly.
Very smooth transaction. Closed loan within 10 days.
Very good rates and terms. Justin Cohen’s team is excellent to deal with.
They are fast, efficient, and keep you posted all the way
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
Dave is always great to work with
You guys provide great service. We really appreciate the easy communication throughout the loan process.
First loan experience with Civic, but not first experience with the account rep I worked with. 1:1 say-do ratio, and the right amount of communication – I heard from them when something was needed, but communication was concise and only […]
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 […]
It was a pleasure working with Rance, Rebecca and Jeremy. I hope I can work with them in the future. I have already told a few clients
Quick, easy, professional, knowledgeable, and willing to help problem solve
Great working with Eric, always on it
Because your services are awesome
Exceptional professionalism, attention to detail, and expediency!
I would recommend them to anyone
Justin did a good job
Bijan was extremely efficient, clear and concise. I appreciated him walking me through the new parts of the process. The aforementioned coupled with his great personality makes him awesome! Looking forward to many more deals in the future thanks to […]
You guys rocked! Thank you!
Working with George through the process great because he was available all the time