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!
Everyone at CIVIC works hard to ensure a hassle free process every time!! Brian Fung has been exceptional in each and every transaction and so has David Levine.
Another great transaction with Civic! We love working with Marshall, he makes every transaction go well.
I would recommend them to anyone
Great customer service, fast service, fast underwriting, excellent loan processing team
Michael was the man
Genuine concern to help
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Brian and Kailyn were a pleasure to work with, their communication and responsiveness was amazing. They made the whole process quick and easy. I look forward to working with them in the future
Cameron Esquivel was very helpful and professional throughout the entire process. I felt like he was truly on our team and went beyond the call of duty to make this deal happen. I will most definitely be returning to Civic […]
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
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
Fantastic follow up. Good rates. Strong customer service
Cause Jackie & Becky Rock!
Good loan coordinator. Easy transaction
Outstanding service time and time again. Reliable, Honest and dependable place to do business. Great team, great people provide great service
Fast close, easy to work with 🙂
Good and fast service!
Jackelyn Gonzalez is the MVP in my team. She went far and beyond. I cannot say anything other than Jackelyn Gonzalez was heaven sent. Thank you Jackie. Many many thanks, and many more to come. Very professional, courteous, patient and […]
Excellent customer service with speedy underwriting
Talar was amazing and was always there with updates.
Easy to work with and good Client care! Will be using them again!
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 […]
Rance has been a pleasure to work with, I’m Very satisfied with Civic
Civic has a great team!
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 […]
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
The list of products you offered are more than most lenders and your service is excellent and fast
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 […]
Civic Financial made our year! Ben Shaevitz came as a referral when another lender was not able to help us with a mid-construction refi we were looking for. We were working under a deadline and he was able to reassure […]
As a first time borrower for flipping property I found Manny and his team very helpful. I will use them again.
Everyone always stays on top of the deal & being as transparent as possible. Always letting all parties know where we stand for closing.
Easy to work with
Very good communication and speed from package submission to funding! Great Job!
4th transaction (this year) with the AMAZING team over at Civic and YES!!!!. . . . another quality experience with these professionals! Mid Civic rolling out a new loan product that I wanted to take advantage of, on top of […]
Matt is very helpful
From day 1 service has been excellent. So often in this industry terms and fees are changed for the worse, not with her. I would not hesitate to recommend Savannah (Civic Financial) to anyone that is looking for a hard […]
Todd Kaplan and his Team were true to their word, worked super hard.
Quick, easy and closed on time.
Easy approval process and most importantly, certainty of closing
Marisa and Josh are awesome! I would love to do more business with them! They handle everything well!
Awesome service as always. Jackie and her team are the greatest!
Fast service, excellent team
Best lending institution I have ever worked with!
Very easy to work with
First loan with Civic Financial. Excellent service provided by Eric and Dianabel. Constant communication and updates. Went out of their way to help us resolve 3rd party issue that was delaying our loan. Look forward to working with you guys […]
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
Easy to work with, happy to educate on the process and genuinely interested in helping us succeed, Paul McGann and the CIVIC team offered a refreshingly positive experience in financing our purchase
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
Good programs. Great people
Jacquelyn Boyle is awsome
Great communication, execution, and follow through
My experience with your company has been excellent. The AE that worked with me is simply awesome, the entire staff have been very helpful, efficient and simply wonderful. In spite of all the hurdles and short time frame, they all […]
Fast processing to approve a loan
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
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 […]
I liked the service and professionalism of company. Jennifer is the best and knowledgeable and also she is very proactive.
I applied for a loan with Civic Financial and I did not know what to expect because I was in another state. Taylor Contreras assisted me throughout the process and I can’t say enough about how wonderful and personable and […]
Civic team were very professional & meet their committed dates
The Civic team makes my deals close seamlessly! There commitment to going above and beyond is what set them apart. Jackie and Becky Are awesome !!! I really appreciate your outstanding lever of customer service. If your goal is to […]
Jackelyn and Rebecca were excellent and efficient with our transaction!
Great working with Eric, always on it
Excellent service. Met expectations as promised.
Great service as always. Great team work
Rance and his team has helped us through our loan process in such a professional manner. Rance has really made the process smooth and stress free. He was always available for questions and provided good customer service. We will definitely […]
Great Service and prompt turn around. Can’t ask for more!
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Very responsive. On top of things. Great communication with insurance agent, escrow
Jack is amazing to work with!
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
Paige is the best to work with! Smooth process!
Matthew Rabinowitz did a great job closing my first loan with Civic, I will continue to do business with Matthew
Justin and his team were great to work with. Always answered and returned calls and emails. Very helpful
Jackelyn was so good !
Great experience in working with Tedd, Monica & Daysi at Civic. This is a great organization that works efficiently in closing your loans. I highly recommend Civic and Tedd’s team in particular.
Always a pleasure working with Whit and Vanessa at CIVIC. Loans are not always easy and some can be challenging and time consuming but Whit and Vanessa always step up to make sure things get done in a timely manner. […]
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 […]
It’s been a pleasure working with Anthony!I have already referred a friend who also closed a loan with Anthony. He is the man!!
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
Great service, product knowledge and execution. .
Great company to work with.
Kendra and her team are amazing and professional!! They saved the day. . . 8 day closing !! Kendra, Leslie and Corey Thank You!
Civic has been an important part of the mortgage business for me for many, many years now. Matt Marky and his staff are amazing, a pleasure to work with and on top of their game
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.
I presented a loan that was too difficult a challenge for several of your competitors. It was difficult for Civic as well. However, the loan officer, processor, and underwriter were patient and determined. We all believed this was a viable […]
Martin Pacheco gave me the best customer service I have ever experienced. He knew my situation and was very transparent in how I could be help! A ton of value from Martin!!!!!
Very quick and efficient.
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Eddie Salem was a true professional, and was on target with his timeframes. Heidi Marshall also made it extremely easy to work with Civic and was on top of the file!Extremely satisfied with both Eddie and Heidi’s service
Justin was quick and available for questions I had at any time throughout the week. That was a big one for me since I like to work quickly and figure out problems as soon as they arise! Thanks again for […]
Kendra was great even when we had to re-do everything! Great job!
Erich was awesome!
Fast processing and excellent communication!
These guys are the best hassle free and fast
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
Savannah is always working and is very diligent with getting back responses. Love working with her!
Very supportive and quick close. Arnold is great to work with
Because your services are awesome
KB really gives a personal touch. He makes you feel completely comfortable throughout the entire process. He is also very present when I have a question or need something. I would highly recommended Civic to friends and colleagues based off […]
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 […]
Chris Lushina and Jack Helfrich have both been handling our business at an Exemplary Level, which is very much appreciated by all principals in our organization. We have been blessed over the years to have coordinate built a unique business […]
Peter was dynamic and Civic offered products second to none in the industry. I’ll definitely continue sending my best clients
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 […]
Brian was very responsive and communicated everything upfront and clearly
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 […]
I was impressed from start to finish by the execution and dedication from my team at Civic. Marisa and Marshall consistently provided fast updates and made me feel like we were always a few steps ahead in the loan process. […]
Civic Financial Services was great! Anthony kept me informed every step of the way and we closed on time, despite having a few issues with the wholesaler I was working with. They were also able to offer a very competitive […]
Quality, professional and thorough from start to finish…
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
The team over at Civic is Awesome!
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 […]
James is So hands on thru every process
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
Said he could fund it and Did! Can’t ask for anymore! Thanks
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
Great communication. On time and great follow up
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.
Melissa is great to work with
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Working with Jack Lupo has been a great experience. He’s been nothing but awesome with knowledge, understanding and patience. I look forward to building a relationship with him and the rest of the CIVIC team. Mahalo!!
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 […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
Great follow up and flexibility!
Marco and his team are awesome! They make the process so simple and quick!
Great fast service
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
Easy to work with. Got us to the finish line despite it being the holidays.
Full support and communication from Melissa, Michael and Paige
Action fast and professional!
Great people to work with
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Excellent service and quick response to questions
Fast closings, easy to work with, straight forward
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
Excellent job . Another done deal . Number 23
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
Marco is a fantastic A. E.! Corey is a great AM! I couldn’t be happier with our experience on our Dunn file. It has been some time since I funded a file with Civic and this was the quickest and […]
When no one else would consider giving me a loan because I didn’t fit their box. . . . Civic got it done! Mike was quick to respond, and Civic navigated a few hurdles and got me the cash quickly! […]
Anthony has been a pleasure to work with
Level of customer service was excellent
Arnold is a true professional that I would not hesitate to recommend him.
Exceptional level of service
Loan process went smooth for the quick close
Very quick and responsive group of people
Loan process and closing were very smooth!
Very smooth transaction. Closed loan within 10 days.
Good, quick, easy to work with
Amazing staff, very fast service
Marco is a STUD. Hands down he gets the job done
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
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 […]
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
The rep Melissa is Awesome!
You Guys Rock – and fill a nice niche
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Ivan was amazing!!!! Professional and streamlined
Very quick to respond and close loans; Efficient process
Good rates and good communication
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
Another great closing
Paul McGann was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised.
Rance and everyone at Civic was great to work with. Very professional, communicated extremely well. They were on top of the process from start to finish. I am looking forward to working with them again in the near future.
Ben S was under pressure to close this loan on a specific date, and he did everything, above and beyond, to get us to that closing date! Another job well done. Thanks to him and his team – Vanessa & […]
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
Amazing and professional service!
Michael, Monica H, and Monica… the 3 of them makes a great team…
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Civic has some of the better investment property products within the financial services industry. The entire staff work very hard to provide great customer service.
Brian Fung and his team were amazing – they closed my loan within 10 days! The underwriting and loan process went extremely smoothly without any hiccups. The loan time periods can be very frustrating and stressful but they made it […]
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 […]
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
Thank you for a great experience at Civic. Smooth transaction. Dan worked with me from start to finish answering every question I had. All staff emailed promptly and all docs were in order in a timely fashion. Will recommend to […]
Justin and his team were very helpful and thorough. They’re a pleasure to work with
You guys provide great service. We really appreciate the easy communication throughout the loan process.
The process was painless, the rates are extremely good
Justin, Ally and Marisa are all BEASTS!!
Great work. Talar was amazing
Good organization, fast response, deep experience
Easy closing. Great rates
I’ve done multiple transactions with Civic. Easy to work with. Best rates I’ve found for the kind of projects I do
Fantastic Company! Great working with Jack!
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Closed another one with Jackie at Civic!
Civic moved quickly and was very responsive to meeting my needs
Great experience. Closed fast and very professional. Ryder Byrne as our account manager was very easy to work with
Excellent communication. Very punctual
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
Peter, my Rep, is Par Excellent. Peter literally worked multiple weekends to ensure our deals funded as promised.
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC
I believe from myexperience you are professional and looking to help people
Civic is just amaizing and very quick, closing loans in less that 10 days,thanks to John Riturban, Marisa Davis and Jenna Alvallero. they are the best in the business. love them
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 […]
Brian was great to work with. No big surprises and they came through faced with a tight timeframe to close the loan.