CIVIC is your local Salt Lake City 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 Salt Lake City 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 Salt Lake City 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 Salt Lake City.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Salt Lake City 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 Salt Lake City private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Salt Lake City 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 Salt Lake City 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!
Jack Lupo is the GREATEST!!!He is alway helpful and knows how to work with our customers. THANKS JACK
We love us some Civic!
Action fast and professional!
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.
I have now closed 4 deals with Civic and I have enjoyed the team I work with. Justin and David have worked hard on my clients and my behalf to close some difficult deals in the last few months. While […]
Friendly service and speedy closing
Great service and quick process
Level of expertise, commitment, responsiveness and ease of use
Chris was a pleasure to work with. He got the job done quickly and efficiently
Closing went smoothly and Eli did a great job keeping things on track
I enjoyed working with the entire team.
Great Service as always
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
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 […]
Another flip financed by our awesome dawesome team at Civic financial. Big thanks to Brian and Kailyn for making the process ultra smooth and efficient. We could’ve closed in just one week!This is the A team at Civic Financial make […]
We had to close in a very short period and Civic and Justin Segal pulled out the stops to make it happen. We closed on time and we are already renovating the property. The terms are competitive and with Great […]
This is the fifth deal we did with Civic Finanical. This company is easy to work with. Dan was very professional and did everything he can to help the funding go smoothly. We love working with Dan.
Closed another one with Jackie at Civic!
Very smooth transaction. Closed loan within 10 days.
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
Full support and communication from Melissa, Michael and Paige
Been in this business a long, long time and Civic has by far become the only lender that reminds me of the good ole’ days!! STELLAR COMPANY! Thank you, Justin Segal!!
Quick and to the point A+ Derek
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 […]
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 […]
Jackelyn provides very good professional services and it would be different without her.
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.
Quick closings-smooth process-great communication
Great communication, execution, and follow through
It’s been wonderful working with Rance and Rebecca on my acquisition and refinance loans. They are always on top of things and I know for sure the loans will always close. Sometimes our transactions are straight forward and it’s good […]
Very good company to work with
Thank you for all your cooperation!
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 & […]
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!
Eli Marcus is amazing
Jack you are a superstar
Awesome service. Very responsive. There was a delay on the seller’s side and Civic was on top of it and was ready to close immediately.
This was the smoothest closing I’ve ever been a part of. Jack Lupo is awesome- extremely responsive and transparent throughout the entire process. I will definitely be doing business again!
Civic Financial has been a pleasure to work with. We thoroughly researched several lenders beforehand and went with Civic for a few reasons. First, the loan application website was modern and streamlined. It was extremely easy to get started and […]
Quick and Easy! Peter was the bomb. com!
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
Another great deal
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.
Great people. . and work very hard to get you the best deal
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 […]
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 […]
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
Great company to work with.
Acct Rep was outstanding
Matt Marky was extremely responsive during the loan process and was very engaged and on top of things. Everyone was very professional and acted similarly even in stressful moments during the process. Very happy overall
Working with Mariam Adams makes it a 10
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 […]
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
My rep at Civic has been awesome and extremely responsive on always getting my loans closed on time. Jackelyn and her team are great to work with and highly recommended
Brian was very responsive and communicated everything upfront and clearly
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Civic Financial Services did a great job with our loan. They looked at our experience as a renovation company and gave us a very competitive rate. They were also very responsive, funding our loan within about 7 business days of […]
Great service! Easy to work with and they get the job done quickly
As always, great experience working with Michael at Civic. Great team!!!
Rance was amazing. . . I had a difficult project and he went out of his way to get the refinance completed!His hard work will end up saving me a lot of money!
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 […]
Good service, would send more business
Marshall is amazing to work with! He took his time with me and walked me through everything, keeping me calm and informed throughout the entire process. I will use CIVIC over and over again.
Michael was very informativeand professional. He was always available even after regular business hours. Heidi also handled the paperwork efficiently and quickly
Derek kept me updated and had constant good communication and was able to deliver on his word. I also appreciated that he didn’t over promise. Great experience
Service. . Says it all. .
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
You Guys Rock – and fill a nice niche
Delightfully easy process!
Great Rates and exceptional service
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 […]
I felt the team was fast and responsive
Woot woot! Woot woot!
The most trusted hardmoney lender in the business
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
I have worked with Jack Lupo and his team on other loans and they are GREAT to work with. Always there to help get the job done. Thanks, Jack and Team
Working with ELI was a breeze. Closing was under 10 days and was unexpected
Great communication, great service!
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
Quick service who truly want to help the client
First time and it was a very smooth transaction. Will find some more.
Nate Wolosiewicz is the reason you get a 10!
I would recommend Civic Financial Services to any investor looking for an investor friendly loan. I worked with Kevin Victoria and from the start he said what he could do, when he could do it and how much it would […]
I would recommendCivic Financial to anyone
Chris Lushina is a mover & a doer. His skills in product knowledge which best fits his clients needs are excellent. His ability to communicate to us even during ruff times with loan issues always gets the job done. He […]
All the individuals involved in this transaction were completely helpful and professional
I had very good experience working with civic lending. Most of the things that I like is their prompt response & action. I would recommend to others .
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 […]
The service, timeline, and delivering as promised saved this deal!
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
This is a great team to work with
Will is defiantly someone I would like to do business in the future
Have closed three loans and each time every effort has been made to close the loan ASAP
Great service , quick response
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.
Very good service. I especially appreciated the help from my account executive Michael
Ryder and Monica were wonderful to work with! From my first call until closing, the process was smooth, there were no surprises. All requirements were laid out clearly. Complete disclosure and professionalism. Thank you!!!
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
Outstanding service time and time again. Reliable, Honest and dependable place to do business. Great team, great people provide great service
Very Positive experience!
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
Fast and easy closing
Jack is one of the best AE’s around. He is extremely professional, very responsive and knows his stuff. It is a pleasure to work with Jack and I hope we are able to close a lot more loans together.
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Bijan and the team handled the loan superbly. Ran into a small snag, but working together we were able to make it happen and close on time. Things happen in this industry and It’s nice knowing the ppl you are […]
Love the communication, quick response and friendly advisors
Our Team is Excellent. All about teamwork. There support and urgency matches mine. Friends and Partners!!
Working with Dan was very pleasant. His process is streamlined and straightforward. He was responsive to all my questions and concerns when I was unsure of the lending process. I would highly recommend Dan Molina and the team at Civic. […]
Matt is always the best to work with
Rance has been easy to work with and Civic is putting out some very competitive products. Kudos!
Thanks for fast and efficient service I would recommend them to anyone looking for a loan
Excellent work, especially from Eli. He is a great support for business. Thank you
Arnold and Becky were doing a great job ! Especially Arnold keep me poster on the loan process on every steps. I am so glad that he is my loan officer and will do more business with Civic Financial Services […]
Ben and team were very helpful and supportive
GREAT JOB CIVIC
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Everyone at Civic was exceptional on the recent cloaed transactions.
My experience was primarily with Kevin Victoria, and he was fantastic. The deal got a bit hairy, and Kevin was constantly on top of it. I don’t believe it would have closed, if we worked with almost anyone else. Overall […]
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
Working with Steve, Corey, and Chelsea is great.
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
The staff are amazing to work with! So, friendly and helpful. The process was absolutely painless, fast, and the rates are very competitive!
Matt is great
Chris is the best!
Excellent pricing structures and low fees
The deal was quick and efficient and the staff was helpful and answered all of my questions
Jack is amazing to work with!
Brian Long took care of our application, it was refreshing where Brian was nudging us a long the way even though with other lenders it was the other way around. Highly recommend Civic Financial Services
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
I like working with Civic. And I always recommend to my coworkers
Ben Shaevitz is fantastic. Super accomodating. Love to work with him. Just need Civic to cancel the feature where we pay the interest on undrawn capital. That is a really bad piece. But Ben is exceptional.
Matt is a pleasure to work with always upbeat and helpful
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 […]
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Efficient, responsive, and overall great experience!
Great communication and availability
Great experience. Very happy with my experience
Everything was professional. My deadline was foremost in their efforts. The terms were as discussed with no surprises
Good follow-up and coordination between team members
Quick execution on complicated transaction, competitive rates, good service
Every closing we have with Civic has been a great one!
I’ve had an excellent experience with Rance, Rebecca, and Jeremy. They are quick to respond, work with me to find the right loan, and communicate well
Michael Ricigliano, of Civic Financial- He offers the utmost professional business lending services tailored to our needs. BEST lender in our Real estate industry
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 […]
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Closing was Easy and painless
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
Great service and rates
Jack Lupo is awesome! Smooth process from start to end
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
Awesome service provided
Mike J is top notch.
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 […]
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
Good loan coordinator. Easy transaction
Justin Cohen is a true professional. Someone who says what he does and does what he says! I have had a number of years dealing with Account Executives and I can honestly say he rates at the top of the […]
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!
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
Great experience. Outstanding always!
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
Civic Financial is easy and very professional to work with!
5th flip this year and 5th loan with Civic, the relationship strengthens and the profits keep rolling! Very two way profitable relationship!
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
This is our second refinancing and as always, Jackelyn has shown her professionalism throughout to make sure the closing is smooth.
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 […]
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Excellent communication. Very punctual
I enjoyed working with Ryan. Made the process easy. Treated me as if my business mattered. Many salesman just wait for the easy sale and don’t want to work
Excellent communication, support, effort and cooperation!
Efficient lending. Team works closely together
I love working with Jackie and Civic, they have great loan programs and the support from Jackie is outstanding. I enjoy working with you and the team. Thank you Richard
Working with Civic was a very smooth and painless transaction. Bijan and Jeremy handled everything professional and timely. Best Buy and hold program I have seen anywhere. Definitely recommend taking a look at their programs. Structure and employees are top […]
George is a great partner. Going the extra mile through the process to deliver on time closing
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.
Randy was really helpful to work with. She always kept me informed of the process. I really would highly recommend her to my friends and family
Mariam, our loan officer, was very attentive to our needs. Civic as a lender has a very seamless process and closes fast
Cristian Gonzales was a pleasure to work with. He was always very detailed and on top of my loan he would ALWAYS answer my calls and all the questions I had. Process was super fast and just couldn’t be happier. […]
Rock team of ladies!
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
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 […]
Matt and Team were great. Quick response anytime I had a question, truly made the process quick and easy. Great Job!
I truly appreciated working with Jackelyn Gonzalez and Rebecca Potter. We have completed 5 transactions this year, and they have excellent communication. Excellent turn around time and I can freely discuss any concerns without a problem
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!!!
Easy and quick process
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.
I would recommend civic financial for you private loan needs, the process was very easy and fast. Lender Paul MacGann was always on top of things along the process super smooth. I highly recommend working with Paul
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Jack is awesome and really takes care of me everytime I need a loan.