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!
They were great to work with as always
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
Overall service is excellent
Joe Zaniboni and the Civic team have been extremely helpful and quick! They make the process painless and easy. Highly recommend!
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
Things have really turned around and there has been more communication making things smoother
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
Bijan was very informative and transparent from beginning to end. I have spoken to quite a few hard money lenders and felt most comfortable with Civic. This is largely due to Bijan and his ability to explain the entire loan […]
Matt is a pleasure to work with always upbeat and helpful
Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!
Melissa was very good and was very helpful. No doubt I would recommend her to any and all investors.
Consummate professionalism, excellent response time
Brian was great it was easy fast and non worrisome
I successfully financed my real estate purchase with Civic F. S. The process was smooth and the staff were quiet responsive to my needs. They assisted me from onset till closing. I will recommend them to friends and also I […]
Civic FS were very fast and efficient, highly recommend!
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
I really appreciate your speed and efficiency.
Great, Friendly Service
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
I have worked with Melissa on Closing a few properties now. She is great and always on top of everything needed from title and is very professional to work with!
Very pleased with AE Brian Fung
good service and on time of closing escrow
You guys provide great service. We really appreciate the easy communication throughout the loan process.
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
Very quick and efficient
Working with Steve, Corey, and Chelsea is great.
John is great to work with!
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 PERFORMANCE IN ASSISTING US THROUGH THE PROCESS OF THE LOAN
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
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
Marshall has been great from start to finish. He explains things clearly, is always friendly and pleasant on the phone and is patient with me, but still very quick to respond
Easy to use and work with.
Good service, easy to work with
Everyone was so friendly and helpful and worked to meet my dead line.
Chris and his team did as they said with efficiency and courtesy
Good communication,easy to work with
Peter was dynamic and Civic offered products second to none in the industry. I’ll definitely continue sending my best clients
Everything went well and everyone is very professional
Great service as always
Fund quickly and very responsive
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!!!
Chris Lushina is great and always goes the extra mile
Ben is great at organizing and finding solutions!
She is polite. Patient. She is reachable
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!!:-)
Worked through everything. Very helpful and informative
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
Great service. Fast close. Wade is a great rep
Excellent product and service
Wade did a solid job
Worked out great and Audre gets it done
Rance and Rebecca make getting a loan so easy and smooth. During times like this, it’s good to know my loan will close!
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
Great prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
Exceptional professionalism, attention to detail, and expediency!
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 […]
Once again, a speedy closing for a fix n flip transaction
Justin Cohen. Amazing, efficient, quick and makes the process seamless and stress free every single time. 10/10 stars
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.
Works well with buyers
great rates, great customer service. overall great experience
Great Rates and exceptional service
Great customer service! Reggie Reid was very thorough and easy to work with. He had incredible follow up. I also really like the user friendly portal to submit documents
Easy to work with
Matthew’s service was honest, thorough, and efficient from beginning to end. He made myself and my business partner completely comfortable throughout the entire process. I loved that he was always available, although we are on two opposite sides of the […]
They are great to work with and communication is awesome
Great job as always!
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 […]
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
The service I received from the very first phone contact with Chris Lushina was professional and got full and good information. Then all of my contact with the closing team was the same . Always answered my questions promptly. Have […]
Ivan was great to work with
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!
I would recommend Civic to any Broker that knows how to originate non-QM private money loans. Kendra is awesome and trust her with our files.
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!!!
Very helpful, we had help and answers to all of our questions every step of the way
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
The loan officers were very helpful in guiding me through the process. It was quick and easy to close. Look forward to doing future business with Civic
Very nicely working team
Awesome AE, Peter, and team at Civic. Great communication throughout the process
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 […]
Working with Brian, Gabby and Teresa is awesome! They are great at communicating and keeping me posted and move expeditiously through the process. I hope to do another deal soon!
Great communication throughout the process. They also work very hard to get the deal done even when obstacles pop up. Justin and his team are knowledgeable and fast with getting to the closing table
The team over at Civic is Awesome!
Rance Brown and Rebecca Porter were excellent and responsive to work with.
Civic is consistently on point and always follows through. Marshall and the team he works with are easy to reach and thorough which enables them to close quickly as promised
Awesome company, fast, and competitive rates
The deal did go through quickly. Everyone from the team was professional. I hope to do future business. Looking forward
Quick and to the point A+ Derek
Dave and his team always makes it easy
Davis Bennett from Civic financial worked very quickly to get my deal funded. I needed to close within 20 days and he made it possible. He returned all my calls and text messages promptly. He even followed up after closing […]
Good experience with Jack and Michael. Looking forward to another loan
Great service quick close rates very competitive-great communication
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.
I love the team that I have in Civic. they are very helpful and very responsive
Love Anthony he is very professional, perfect fit for my team. He is just the person that is always open to solve and help on every single point when I am been asking for support. Just thankful to Civic for […]
Competent, get the job done
Peter Edmunds was absolutely excellent. This was my first experience with a direct lender and he walked me through the entire process. He answered phone calls late into the night and early in the morning. He was in constant communication […]
I’ve been using Civic financial for over two years now and Will Dodson is one of my favorite Account executive’s of all time. . . . . he’s courteous , knowledgeable and get things done on time. I would highly […]
Great hard money lender
Many thanks to Peter Kraemer at Civic – It was refreshing to work with someone so upbeat and responsive. We will definitely be calling you first the next time we’re looking to purchase another investment property.
Marco is a STUD. Hands down he gets the job done
Civic has a great team!
This is our second refinancing and as always, Jackelyn has shown her professionalism throughout to make sure the closing is smooth.
Civic has a great process and are fair.
I would recommend Civic Financial to everyone I know in the business BECAUSE of Matthew Marky. Matthew has a strong work ethic and goes above and beyond any Rep. I have worked with in the past 18 years in the […]
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team
Ease of transaction. Justin was available to take my calls even while on vacation
I had a great experience with Civic!
Acct Rep was outstanding
These guys are the best hassle free and fast
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Have been working with Arnold for 2 years now-he is Awesome to work with
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
Great financing company!
It’s always a pleasure working with Civic
The team works together to get the loan done!!
Very smooth closing
Peter Kraemer & his team are always great to work with, excellent customer service
This was my first experience with private lending and I’m extremely pleased with how everything went. My account exec, Walter Brown, was fantastic and I will definitely use him again should the need arise
Josh was wonderful he always called very professional he is a great representative for your company!
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 […]
Dan did a great job! 4 days start to close!! Very impressed!!
So many great things about CIVIC
Easy closing. Great rates
Excellent service and quick response to questions
Loan went smoothly and quickly
Speed in the loan process from start to finish. Excellent rep support; Processing, UW and Closers are great to work with
Excellent service from entire Civic staff helped to close this loan. This was a very complex loan, it had more hair on it than a polar bear. Thank you Civic
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Always a pleasure to work with you guys. Thank you Eli for the quick process
Michael was extremely professional on all aspects of this deal
Process was better than expected
It was an absolute joy working with Patrick. He exceeded all of my expectations and brought a very relational side to the lending which can often be too cold. Civic has won me over. looking forward to doing more business […]
Great communication and helpful securing my 3 loans
Working with people you trust makes all the difference
Great company to work with.
Great company, they work fast and do as they say!
Kendra and her team are amazing and professional!! They saved the day. . . 8 day closing !! Kendra, Leslie and Corey Thank You!
Cristian was very knowledgeable. He went above and beyond his normal job duties to help get this loan closed super fast. Will definitely work with him again.
Working with George through the process great because he was available all the time
Peter has gone above and beyond to make sure that us as the customers are taken care off. . Return emails, phone calls, and texts in a very timely manner at the same time keeping us updated on how the […]
Jackelyn and Civic has been a pleasure to work with and always ontime closing
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Great people to work with and very quick in moving along the process
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
Again It’s the fastest and smoothest realestate transaction that I’ve ever been apart of!
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
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.
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
Love the communication, quick response and friendly advisors
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 […]
Great organization and attention to detail! Will continue piping deals to my guy Matt Comeaux!
Very Engaged, competent and has the ability to get the loan closed and is very fast when necessary!
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
Our broker partner is always there to help and takes time to explain. His underwriter team in California are ALWAYS a tremendous help to making sure we have everything on file and amazing communication.
Quick, easy loan
Melissa is the best!
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
Excellent work, especially from Eli. He is a great support for business. Thank you
Ivan was great! Always in constant communication
a pleasure working with civic and cristen Gonzales. as a hard money lender hes very knowledgeable and an important asset to my investment company. cant wait for our next transaction
Ivan’s communication and response has been excellent.
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.
Great experience with Eli Marcus
Great company that always makes it happen Jackie and her team are professionals!
Great, fast, reliable service
Very easy to work with. Responsive and quick.
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
Audre and Kathy were great to work with!
Brian Fung really worked hard to make this happen. He is a stud
Loan terms and rates are the best in the business. Better understanding of values and renovation game plans then most lenders.
Marco and his team are great! They make the process so easy!
After talking with multiple lenders for my Real estate business, I came across Civic Financial Services. I built a good working relationship with Brian Fung. He is a Rock Star! He was always there when I called no what day […]
My Account Executive is the best and her level of professionalism and compassion to help exceeds of any AE I have experience in my 10 years of arranging financing
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 […]
Great experience. Civic was easy to work with!
You guys rocked! Thank you!
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
Dave and his team are great
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Excellent support service.
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
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
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
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 […]
Civic and staff were amazing to work with, they were there every step of the way
Customer service is top notch
Great and best service. My rep Randi was also available to take my calls and reply within 10 minutes when I sent her text messages email or left voice messages. I highly recommend Civic to anyone
Excellent. I would recommend to anyone.
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
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 […]
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
Great service closed on time
We have a great team with Jack, Aly and Michael. They are always on top of our customers