CIVIC is your local San Antonio 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 San Antonio 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 San Antonio 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 San Antonio.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to San Antonio 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 San Antonio private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. San Antonio 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 San Antonio 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!
Easy to work with and they got the deal done
Seamless and organized loan process
Off the chart care, communication and clear concern for finding a solution benefiting me.
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.
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Reasonable rates and no delays in closing
Anthony has been a pleasure to work with
James was always on Top of my Closings and easy to Contact
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Review of the rehab budget was fair and was supportive of the project’s success. Adam did a great job of pushing the loan towards the end to try and meet our COE
Quick and to the point A+ Derek
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
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Mike Jablonsky is the face of Civic and outstanding at what he does for my office.
Brian & the team are very responsive to evaluate the loan, give you rates & let you know all of the documentation required. They work to close deals faster than they state & are always available for questions. If they […]
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. […]
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
Was told yes when others said no. He did what he said he would do. Was great to work with. I’m going to use him on all my loans
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
Fast approved, available all the time day and night.
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
John is great to work with!
This was my second experience with Civic Financial Services, they are organized and professional. You won’t get anything but the best! (Jack Robinson) he walked me through the entire process. He was in constant communication throughout the deal and was […]
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.
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
Brian was very professional , knowledgeable and helpful
Davis was very attentive and communicated every step of the way
Amazing Florida love working with Anthony
Exceptional professionalism, attention to detail, and expediency!
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Working with Jacquelyn Boyles just made things easy
Competent, get the job done
The service, timeline, and delivering as promised saved this deal!
It’s only been 10 months and we’ve had 5 loans with Civic. Last week we were holding 3 properties with the lender and our team at Civic (Brian, Kailyn and Mike) have held our deals through to the last inch […]
I highly recommend Civic!
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
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 […]
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Good response time and frontloading of borrower requirements
Easy closing. Great rates
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
Chris and team were available for questions and did a great job explaining the process
Great cuatimer service. AE just great . transaction was closed . customer was happy
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
I am dealing with a un-believably talented team, they work hard and they are dedicated to their cause of helping investors.
Great experience, constant and fluid communication. A lot of random variables and ambiguity in this transaction, yet it was put together professionally and handled flawlessly by the Civic team.
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 […]
Having a lead person such as Justin that makes himself available at all times is a testament to great service. I am so happy with how well Civic carefully selected Justin’s team (Chelsea and Heidi) to support me and my […]
Thanks for fast and efficient service I would recommend them to anyone looking for a loan
Loved the team of Eli, Vic and KAILYN. They made it happen!
Enjoyable to work with. Kept me informed on the progress
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Civic is my go-to lender, especially due to exceptional service by Chris […]
All the individuals involved in this transaction were completely helpful and professional
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
Mark was easy to work with, timely and a no-hassle experience over all
A lender I can trust always!
very professional and easy to work with
You guys rock as always!
Very supportive and quick close. Arnold is great to work with
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 […]
Working with Trevor & Kailyn was great! They made things easy for me.
Quick closings-smooth process-great communication
Justin has been very helpful. We have done several deals with him and plan to continue doing business
Ivan’s communication and response has been excellent.
Marco, thank you for the closing gifts and most importantly your close attention to detail. Most importantly closings in a timely manner! Great job! We’ve had 3 account executives with Civic and I think we only closed one deal with […]
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 […]
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
I was quite impressed with the speed and efficiency with which my loan was executed
Fast speed! Nate was extremely helpful
good service and on time of closing escrow
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!!:-)
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
I am giving 10 because: you know handling time matters; it is very relevant to me. Efficiency is relevant for business. Rance and his team and Civic in general provides elite customer service
Loved the team Eli, Vic and KAILYN, they made it happen!
Quick and Easy! Peter was the bomb. com!
LOVE working with Whit and Vanessa, they are the best! always on top of their game.
Jackie Gonzalez is amazing, she works side to side to help you close on time. Great customer service and she cares. . . I am bless tohave her as our account executive. Thank you.
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
Chris and his team makes the funding process so easy
Because you worked with us all the way until we closed providing all the support we needed
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
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
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!
We have a great team with Jack, Aly and Michael. They are always on top of our customers
It is always amazing to have the opportunity to work with a professional team, and this is for far the most prepared and excellent team Thank you!
Very good service from Chris and Chelsea
Eli is an an exceptional account executive. His communication and people’s management skillsare out of the world. His response to all of my requests is always prompt. He’s the reason I am dealing with Civic. Also his tolerance level is […]
Melissa and her team are truly amazing. They worked hard during Thanksgiving holiday to ensure my files are taken care of and went above The call of duty I have received such outstanding service. Merci
They really do what they say. We needed to close in a short time. They said they were able to do it and they did it. It was a very seamless and stress free experience. Civic is by far the […]
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
My investors loved working with the Rommel Team. Kendra, Leslie and Corey are reliable They make the process easy and quick. Thank You
Civic came through and was able to move quickly. Eli was excellent throughout the whole process. He is the sole reason for this 5-star review and I would recommend him to anyone.
I wish all my deals could be done by civic, Scott vincenti is the best rep. I have dealt with
Love the communication, quick response and friendly advisors
Ben and team were very helpful and supportive
great working with John
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Fast processing and excellent communication!
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!
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Brian was very responsive and communicated everything upfront and clearly
Simple , easy , quick loan
Our LO was fast and efficient and we had direct lines of communications with Brian Fung from start to finish. This is our second transaction with him and Civic and we are looking forward to transacting many more in 2019
Simply the BEST! Friendly, prompt and helpful
The professional manner in which Civic and escrowapproached the loan refinancing project. Justin was awesome. A person who does what it takes to handle a huge project
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
This Loan process was fast, efficient, and very well communicated
Nick Flowers did an awesome job. Well done!
Super helpful every step of the way!
Matt was very responsive throughout our multi property refinance. He and his team did an excellent job of communicating hurdles and checkpoints as we progressed through the process. They also offer investor friendly loan products that are difficult to find […]
Excellent pricing structures and low fees
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
Great team to help get through the process.
Tedd is the best, no matter what day of the week or hour he was always answering and replying to me, he was just great, thanks to all the team as well
Quick turn around from start to finish
Personable service, quick responses and accurate information.
Very smooth transaction. Closed loan within 10 days.
Great experience. Very happy with my experience
Very quick, easy to work with. Everyone is very quick with replying to questions. Very happy to do business with Civic
Once again, Nick Flowers has exceeded expectation. A true pro and a pleasure to work with. Look forward to an amazing 2020 and beyond working with Nick and Civic!
The team works together to get the loan done!!
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 […]
Excellent service; always return my calls; happy with the team
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
Matt and Corey are the best
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Matt and Corey made sure we ready to close the loan ontime. They were the best
Jackelyn and Rebecca make a great team!! They are on top of the ball, get things done, and know their stuff!! Will continue working with them and Civic Financial!!
AMAZING SERVICE AND HIGH INTEGRITY! NO “BAIT AND SWITCH” TACTICS THAT I HAVE EXPERIENCED FROM OTHER LENDERS. THANK YOU!!! I WILL RECOMMEND YOU TO ALL MY CLIENTS AND ASSOCIATES
Great follow up and flexibility!
Eli was great, he was very responsive, all staff also gave timely responses, and friendly staff
The speed /quickness is important
I felt the team was fast and responsive
Closed on time. Quick response
Eli is amazing. Great communication
Arnold at Civic has been Awesome to work with
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Randi is great. Randi goes beyond and always keeps a good communication
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Civic funded 2 of my projects. They were professional and on top of getting everything done in a timely manner. Randi was amazing and kept me informed along the way. I plan on using them again.
Because your services are awesome
I had a supportive loan officer and staff through out the whole transaction
This was my third transaction and all prior ones have gone very smoothly
Everyone at Civic was exceptional on the recent cloaed transactions.
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 and his team are awesome to work with. His communication is great from the beginning to the end, and he makes himself available at all times of the day to answer or assist us in any way
It was a pleasure meeting Melissa Salinas at a recent REIA in Dallas. She earned our trust with her friendly nature and professionalism. Melissa and Michael Hoyt provided an excellent lending experience, knowledge and patience as my company joined a […]
Customer service, efficiency, quick turn around
Always great service!
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
You guys did good and it worked out. Thank you
The process was fast and easy
Great team, easy to work with and responsive
Great company that always makes it happen Jackie and her team are professionals!
I most appreciated the responsiveness.
The most trusted hardmoney lender in the business
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
Erich was awesome!
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 […]
Dave and his team are great
My assigned Account Executive Mariam Adams is a professional and she really takes the time to listen to the needs of the client and Broker. As I have stated before, Mariam goes beyond her requirements as an AE to get […]
Quick service who truly want to help the client
Branch manager Zac Miller was amazing – so easy to work with and I got funded rather quickly
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
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
Working tirelessly to close a very difficult loan.
Brian has wrapped up two files with a RED BOW. . .
Great lender with overall great products. My account executive Jo Jones is the best!
Quick response from account manager and responsive processing team which lead to a fairly quick close
Jack and the whole CFS team were awesome to work with from start to closing
Excellent service and very responsive.
This Guy is Awesome! And Amazing to work with! Not to bad on the eyes either! lol Respect his input, integrity , and professional. . . I hope he gets promoted but then again I don’t, because we need him […]
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Great customer service! Fast and efficient
Good, quick, easy to work with
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
Very helpful, friendly staff, good communication, great tastes and quick closing!
Very easy transaction, terms quoted in the beginning were the same terms at closing. Very pleased with the service I received from George Jones. Very professional, experienced and excellent communication
My team and I had had a great experience, The loan closed promptly and went thru just as promised and expected. Matt and his team kept us in the loop the entire process and we never felt left in the […]
Civic Financial Services made the loan process easy and brief. I was able to secure my loan by following their simple directions and providing far less complex information. The appraisel process was inexpensive and saved me a great deal of […]
The best team to work with Derek , Kathy and Monica. Very responsive and fast acting made my loan process super easy. Thank you all
My account executive was really great to work with. He went out of his way to help me through the process. I was intimidated by previous sales people in the industry, but felt at ease withthe Civic financial team. The […]
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 […]
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 […]
I appreciate the fact that you believed in me and my dream, you gave me a chance when others did not. I will be doing more business with civic going forward that’s a guarantee!!
Very efficient process and staff is very helpful
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
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!
Civic Financial through Kendra Rommel and her assistant Leslie Grant, worked fast and were always on top of things. They made sure to keep us updated on whatever step was next. They delivered on what they promised and we got […]
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 […]
the Deal closed as needed
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
Civic did it again! One more happy customer.
Nick was extremely professional and timely with all his responses. It was a pleasure to work with him and we look forward to our next deal
I have had the pleasure of completing two transactions with Civic in the past 4 months. From start to finish, and beyond, they have proven to be true professionals at what they do. Civic was on top of my needs […]
Randi was a pleasure to work with!!