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!
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
Easy to work with and very professional
Great customer service
I was very impressed with Matthew’s professionalism from day one. I appreciated my reps patience and attention to details even more as the process continued
Bijan went above and beyond to help me get my first deal closed. He was always available to answer questions and walk me through the process. I tell everyone that Bijan is a great guy and they won’t regret calling […]
Fast approved, available all the time day and night.
Good service, would send more business
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Jack Robinson and Team, was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised. We have closed 12 in a period of 5 months.
Reliable & friendly service
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Great Staff! Chris Rosas is an excellent AE!
AE Talar was awesome! Great customer service. Very knowledgeable and the process was smooth and fast! Great communication!
You guys did good and it worked out. Thank you
We had a difficult deal and were able to get it done
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Very easy to work with, I tried a few other Mortgage Companies and Civic was by far the best to work with.
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 […]
Excellent customer service, quick funding
Broker was very helpful – underwriters were very careful and methodical and made sure that all of the specifics regarding my property and loan were accurate
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 […]
Dan was great communicator, Very well designed website where you can upload all the documents needed for the transactions, Competitive rates
Great deal . Amazing job
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
Civic and it’s dedicated staff, namely Justin, Chelsea and Heidi, inspire us to keep investing by making the process of leveraging our purchases systemically perfect with the help of their funding and communication
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
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
very professional, prompt, seamless, and prompt closing
Very easy to work with
Jennifer Moates was very professional and on top of everything! This leads me to the team that is knowledgeable, process driven, and work well together. Jennifer provided a personal touch and assurance the entire way. She asked for documents, I […]
Great experience. Closed fast and very professional. Ryder Byrne as our account manager was very easy to work with
Another speedy closing.
Todd Kaplan and his Team were true to their word, worked super hard.
Exceptional level of service
Great Rates and exceptional service
Rance was very helpful throughout the whole process. Great service
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
Fast communication, streamlined process
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
The customer service and response I got from the team is absolutely amazing, very please with them. Thank you Justin, Chelsea and the rest of the team
Reasonable rates and no delays in closing
Excellent service from Beginning to end
Melissa was a pleasure to work with. She was on it from day one, and helped me stay within our timeline. Michael was great as well
Great service! Easy to work with and they get the job done quickly
Mark Liker was great to work with: product knowledge, communication, response time – fantastic experience
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
Service is outstanding!
Great service and quick process
The loan company offered its constant support to close the business. They were very open with the information and very quick to solve any discrepancy.
Everything went very smoothly
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Kendra & her team were amazing, Hi Leslie. First deal with Civic, smooth as a lake at 5:00 am! I’m looking forward to a long term relationship with CIvic.
Melissa, Michael and Paige were very helpful in assisting me with the deal
Marco Castaneda is one of the best wholesales I have had in 18 years in the business. Very responsive and knows his programs inside and out. They are getting a lot more of my business because of Marco.
The amount of time it took to expedite the closing. Along with the professionalism. Justin and his team made this a very easy process.
The service went beyond expectations, always excellent and professional
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 10 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
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 […]
Matthew was extremely knowledgeable and made sure that everything went smoothly
Outstanding customer service. Davis was always on top of everything. It was a seamless process. I will recommend Civic (and Davis) in a heartbeat
Thank you . Jack . Very professional.
Mr. Marazoni help us to find out the best solution for our requirements
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 […]
Excellent communication, timely responses, clear cut terms, and they were able to meet my needs
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
The Process was fast!
Service was great and Jo Jones was exceptional
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
This is a great team to work with
Matt is great
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
Good response time and frontloading of borrower requirements
Civic provide me a great Representative Nat Avendano, a great person to work with, good communication with Broker and Client
Easy close from start to finish. Jacquelyn and Dianabel were responsive and made sure everything was ready to go for our closing (which had a very short closing period). Wouldn’t hesitate to use them again.
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 […]
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!
Because it is always a professional representative and a resourceful crew working together, that makes everything easier . Always giving answers right away, it makes me feel supported trough the process. Thank you!
Chris and his team makes the funding process so easy
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
It was a great experience working with Josh and Becky, they kept me updated on the progress and helped eliminate any surprises. The closing went very smoothly a job well done
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
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 […]
Excellent service, fast response
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
The staff are amazing to work with! So, friendly and helpful. The process was absolutely painless, fast, and the rates are very competitive!
The funding team of Daniel, Jose, and Maurissa got it done.
Matt is very helpful
Ryder is awesome loan officer in great company. Enjoyed working with them.
Great working with Eric, always on it
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Kendra and her team are amazing and professional!! They saved the day. . . 8 day closing !! Kendra, Leslie and Corey Thank You!
Randi was professional,caring,informative and pleasant to speak with. She did everything she said she would do and some extra
This is our third hard money lender and the closing was so smooth. Thank you!
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
Things have really turned around and there has been more communication making things smoother
You guys are the best!
Best lending institution I have ever worked with!
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 […]
Easy to work with and with a good attitude
Job well done. My clients are very happy.
Jason was there every step of the way and was super helpful
The loan closed on time
Great service and quick settlement. Thanks!
It was my first experience, read too many articles and did more than 20 calls before I decide that this is the best company, my process was smooth and Alan went above and beyond to answer my questions and provide […]
Very responsive. On top of things. Great communication with insurance agent, escrow
Good service and flexible within reason
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Great service, timely respnses
My point of contact, Michael, was exceptional from the get go. I informed him of my needs and strict targets I had set. He did everything I required and got me a fast closing. Now I’m onto my next investment. […]
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. […]
Delightfully easy process!
Because of the amazing team I work with.
GREAT JOB TEAM
Great people to work with
They did a good job. I will recommend them. The communication with Eli especially was great
Civic Financial closed my loan with no hiccups. I’m a commercial loan broker and the service was good and fast paying. Thanks team Civic.
I had a supportive loan officer and staff through out the whole transaction
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
Matt was very helpful in completing this transaction. Would not hesitate to recommend him to another.
I’m happy with the service I thought it was pretty easy and Ryder was very good to work with.
John Paul is the best rep!
They were great to work with as always
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
Overall service is excellent
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
Awesome lender. Highly recommend and will re-use
Always great service!
The team comes through every time!
Good service, easy to work with
Fast close, easy to work with 🙂
Melissa was very helpful, she kept me updated all the time, and made it happen for me
Our Account Team, Melissa Salinas and Michael Hoyt are always fast, professional and very knowledgeable. Can’t think of a better lending experience – time and time again!
This was now our second deal with Jack Lupo and both have closed without issues. We look forward to continuing to bring a block of our business to Civic in the near future.
I wish all my deals could be done by civic, Scott vincenti is the best rep. I have dealt with
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
Our Director of Business Development is amazing. We work with many different lenders, and we go with CIVIC because of our relationship we have with Ben shaevitz. I appreciate his knowledge, his communication, work ethic, commitment and accountability. If he […]
Easy and transparent to work with!
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
Civic moved quickly and was very responsive to meeting my needs
Very supportive and quick close. Arnold is great to work with
Chris went above and beyond to make this deal happen!
Thanks for fast and efficient service I would recommend them to anyone looking for a loan
This is the second loan I have completed with Civic Financial Services. It went through very smoothly. So impressed with the ease of doing business with them. Thank you so much
Received great customer service from all parties involved
GREAT LENDER TO DO BUSINESS WITH
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.
Eric Weidner is the man!
Daniel is awesome to work with. He is very professional, and we enjoyed working with him. We hope to work with him for many more deals in the near future.
Because Justin is the best!!!!
Great service, product knowledge and execution. .
Closing was Easy and painless
Great customer service
Very easy to work with. Responsive and quick.
Justin Cohen and his team were very professional and very responsive. I look forward to working with them again soon on more loans
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
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
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
Bijan was very responsive and always available. He and his team stayed on top of my loan and made sure that the process was quick and as painless as possible
Great company that always makes it happen Jackie and her team are professionals!
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
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. Over the years, I have developed a good sense of comparative value. […]
I would recommend them to CIVIC, more specifically refer them to work exclusively with Ben S. He is an amazing BDO, it’s a pleasure to work with him!
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Marco is a STUD. Hands down he gets the job done
This is my second time using civic services. I can truly say that my experience has gotten even better. They did not slack on taking care of me and giving me great service, attention, professionalism, and there time. Most companies […]
Peter Kraemer was great to work with. Highly recommend
Awesome services, they are very professional
My AE, Melissa Salinas, and Account Manager, Michael Hoyt are the best and make my job a whole lot easier. I am grateful to their superb professionalism, as no other lender rep can compare to them
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Ben, Dianabel and Vanessa were amazing to deal with once again!
Second time using CIVIC for me. Great team to work with and seamless financing.
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
My account management team is really awesome. Always willing to help and respond quickly which is vital in the real estate realm where you need responses quickly or you have the potential to lose out on a deal
Civic team did an excellent job of completing my buyers purchase transaction. Dan Crouse was always readily available for any and all questions and concerns
Matthew Rabinowitz did a great job closing my first loan with Civic, I will continue to do business with Matthew
Great Service and prompt turn around. Can’t ask for more!
Excellent! Got docs so fast! Very happy broker here! Thanks to the great team at Civic. Steven Fisher, Corey and Chelsea.
Great Service as always
Off the chart care, communication and clear concern for finding a solution benefiting me.
Very professional team, Daniel is very responsive and closed quickly.
Have closed three loans and each time every effort has been made to close the loan ASAP
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
My AE Jacquelyn and her team moved quickly and diligently to deliver a great product for my client. Every transaction has hiccups, however because they proactively communicated underwriting status and requirements, the entire process was stress free.
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 & […]
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Michael was extremely professional on all aspects of this deal
This is my 2nd business deal with Civic and I’m completely satisfied with their help. Chris Rosas was my main contact throughout and we spoke regularly and reviewed every aspect of the progress consistently. My initial deal involved David Levine […]
I have done many transactions with Jackelyn and everything has always been smooth. I appreciate her accessibility and fast closing times!
Great service, very knowledgeable
Amazing Florida love working with Anthony
Michael was very informativeand professional. He was always available even after regular business hours. Heidi also handled the paperwork efficiently and quickly
Justin was great to work with and helped me push this through so fast. Great person!!!
My Rep Peter Kramer was absolutely Amazing!
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Jackelyn provides very good professional services and it would be different without her.