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!
Great experience. Outstanding always!
I believe from myexperience you are professional and looking to help people
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 […]
Extremely patient and knowledgeable.
Arnold is a true professional that I would not hesitate to recommend him.
I found the Civic team to be thorough, fast and highly professional. You couldn’t ask for a better group of people to guide you through the lending process
Great experience. Closed fast and very professional. Ryder Byrne as our account manager was very easy to work with
Great service and rates
Working with Joe Z. was a breeze. He’s always very helpful
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Kendra and her team are amazing and professional!! They saved the day. . . 8 day closing !! Kendra, Leslie and Corey 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
Arnold went beyond the call of duty on this one . . tough deal but he got it thru. He is very smart when it comes to these type of deals, and im glad he is on my side
Matt is the best to work with!
GREAT LENDER TO DO BUSINESS WITH
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
I had a great experience with Civic!
Because Jackie, Rebecca and Darren are awesome and I love working with them!
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
Our loan officer, Eli, was very responsive. Eli was the most ” on Demand” loan officer that we have ever been associated with. He was always available and he is a very knowledgeable loan officer.
Because of the amazing team I work with.
Rance has been excellent to work with, fast an sufficient closing
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
Civic was fast and delivered on the type of loan my clients needed.
Everyone was on the same page this and transaction went smoothly. Thank you
Talar is an amazing loan officer!
Quick execution on complicated transaction, competitive rates, good service
Amazing communication and support!!! Thank you
As always, great experience working with Michael at Civic. Great team!!!
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
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!
This company is easy to work with Nate took great care of us
Excellent service always on time . A pleasure working with Anthony
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
That was the easiest closing ! Thank you for another great closing.
Matt took my file last minute after another lender changed their LTV on me while in escrow, and made it happen on time! He promised me he would get it done, and he did. As a broker, I get promised […]
Civic has earned a 10 from me. First, because they are available, no call backs, no chasing a response and no delays in communication. When I reach out rarely is a message or request for a response even an opportunity, […]
Rance and his team do an excellent job keeping me informed about the process of my loans. He is always there to address any concerns or questions I may have
Justin was very helpful and informative throughout the whole process
Chris Rosas and David Levine are just a dream to work with. Efficient, helpful and extremely professional. Thanks guys.
Rance and his team were great to work with. They were quick to respond and the process was fast
Civic has a great team!
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Nick you were awesome and the consummate professional. You are the best example of what it takes to get deals done. Look forward to many more with you
Speedy service with prompt responses from AE & processing.
John is great to work with!
Civic followed through and did what they said they would do. Thanks!
Mike J is top notch.
The process was simple and fast! Loved working with CIVIC!
Awesome work with Jack Lupo and his team.
This is a great team to work with
Patrick Morgan is the best, very professional and responsive. He is always available when you have questions and always keeping me updated on the status of my loan. So far Patrick and Civic Financial have been outstanding.
Super team of Civic does wonders! Sixth loan in 10 months and all have been successful flips. Thanks to Brian Kailyn and Mike for everything they do for our financing the deals
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 […]
Efficient, transparent and forthcoming.
Responsive and timely. Common sense requests and requirements, and available when needed!
Very smooth transaction! Got my docs very quickly after all conditions were in and reviewed
Excellent communication. Very punctual
I had the great experience of working with Marshall Jones at Civic and his amazing team there. The experience was great and i would highly recommend them. We closed on time and got my client exactly what was promised on […]
Communication and turn time!
Great job communicating with us to get the deal to the closing table
They were diligent and quick
Being a non-USA resident could have complicated the process somewhat, however Ms. Jo Jones supported by Ms. Cabrera smoothed all the possible hitches very professionally and ensured a seamless process.
Another successful closing with Civic. We had a short closing time frame and they came through for us.
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Super responsive, really accurate on the scenario quote reflected- stayed consistent from beginning to end, Matt is super proactive and is very clear on explanation and requests so there are no contradictions. great to work with and will always find […]
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
Vanessa Lopez is fantastic at Piloting us through the loan process. Jack Helfrich is always there for issues when we need him. Of course Civic is competitive with the other Hard Money lenders who approach us
Great products for investors
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Amazing Florida love working with Anthony
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Great communication, execution, and follow through
Excellent service as always
Brian and Kailyn were a pleasure to work with, their communication and responsiveness was amazing. They made the whole process quick and easy. I look forward to working with them in the future
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
It was very easy to work with the entire Civic team . Special Thanks go out to John Riturban, Marisa Davis and Jenna Alvallero. I will be in touch again soon to refi another investment property
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
The process was simple and fast. Both Jackelyn and Becky were on top of communication by answering emails promptly and any question that we had.
Quick service who truly want to help the client
Very prompt and efficient process!
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.
Things have really turned around and there has been more communication making things smoother
This is our third hard money lender and the closing was so smooth. Thank you!
Like always, Justin was 10/10!
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 […]
She is polite. Patient. She is reachable
Peter Kraemer & his team are always great to work with, excellent customer service
Jack Robinson is amazing, he works side to side to help you close on time. Great customer service and he cares. . . I am bless to have him as our account executive. Thank you. 10 Deals closed this years […]
Anthony has been a pleasure to work with
Jackie and Rebecca were very professional and easy to work with. Any time i needed assistance they were readily available and jumped in to get my transaction completed in an effiecient and timely manner .
The cordial staff, and the quick responses made our deal happen fast. Thanks!
The Civic team was very helpful throughout the loan process
Always the best service- thank you Civic! Keep it going!
Justin, Ally and Marisa are all BEASTS!!
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
It was awesome to work with Cristian Gonzales, he made everything so easy for me… he was very knowledgeable about the whole deal… I would definitely recommend him
Reasonable rates and no delays in closing
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Cristian was extremely helpful. My processor was very new to the private money fix n flip process, and thus: essentially worthless. If Cristian was not as hands as he was, the loan would not closed as fast as it did. […]
Fast close, easy to work with 🙂
From start to end. Service is always excellent. Thank you team
Competitive rates for real estate investments. Great customer service
Will and the whole team did a great job on this rush file!
Jackie and Rebecca are an amazing team that go far beyond the minimum required to get deals close. They understand HOW to structure and get the job done
I love working wit Melissa and Michael
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
Previously worked with the Account executive in the past and was excited to know that she was going to be employed with Civic. She always strives to go over and beyond to help others
You guys are the best!
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 […]
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
Ease of transaction. Justin was available to take my calls even while on vacation
Brian Fung provides excellent customer service from the beginning to the end. He made himself available to me at all times and if he was not available he responded within minutes to let me know he would be back with […]
I had a great experience with Civic. I worked with Andrew, Teresa and Melissa. Every step of the way they made sure I was in the loop. Civic has excellent systems to help submit applications, budgets, etc. I plan on […]
Great lender, easy to work with and fund fast!
AE Talar was awesome! Great customer service. Very knowledgeable and the process was smooth and fast! Great communication!
Jackelyn Gonzalez is the MVP in my team. She went far and beyond. I cannot say anything other than Jackelyn Gonzalez was heaven sent. Thank you Jackie. Many many thanks, and many more to come. Very professional, courteous, patient and […]
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
All roads lead to Civic Financial when looking for a lender who will loan over 75% for Hard Money. Unlike the typical private lenders who want higher interest rates and points and will only go 65% based on an appraisal […]
Chris and his team did as they said with efficiency and courtesy
Good interaction with rep. On top of deal. Did what they said they would do
Civic and staff were amazing to work with, they were there every step of the way
Speedy and friendly underwriting.
Excellent service, the company was wonderful to work with, fast and efficient
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
I am a Senior Asset Manager at another lender, and Brian Fung is my go-to guy when it comes to referring my clients to him who are approaching their maturity dates. Brian has refinanced at least a dozen of our […]
Justin Cohen and his team did a great job making the loan we were working on happen
Jackelyn is excellent to work with. I appreciate her transparency
Great service as always. Great team work
Very good service. I especially appreciated the help from my account executive Michael
Professionalism and efficiency
Justin, Marissa and the whole team have been great to work with. Thank you
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
Civic Financial Services does a good job processing loans for us. Their pricing is fair and they close quickly. I’ve closed many loans with Jackie Gonzalez
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
Great experience with Daniel and his team at CIVIC!
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
Great, productive and professional
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.
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Service was beyond perfect Mark, Corey and Monica are a great team!
Mariam Jasemi is hands down the best AE in the industry
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Because they are awesome! Closed our loan efficiently!
Service is outstanding!
Customer service, efficiency, quick turn around
Honest, quick to respond, open to options, openly looking for better options of funding to fit the situation. Great lady to speak with. Checked up on my progress throughout the process. Thank you!
Everyone at Civic was exceptional on the recent cloaed transactions.
Easy process. Staff was great to work with
Great loan rates. Excellent service
Civic performs and Jack is awesome
We absolutely loved working with Civic!Our broker Blake Rogers agreed to meet us in person and we were very impressed with his knowledge, responsiveness, honesty, and genuine understanding of what WE needed, and try to work with that. We were […]
Justin is extremely professional, kind and easy to work with
Very quick turnaround and professional positive attitudes
Really awesome service!
Ivan managed to change directions and figure out solutions to get the loan funded. Very creative!
Chris Rosas, at Civic Financial Services, is truly remarkable, He is honest, caring, and firm on his convictions. He goes the extra step to help you out with the whole process. So, that you can achieve your goal. I highly […]
Excellent communication, support, effort and cooperation!
Excellent service and turn-around time!
Exceptional service. Went without any issues. Thanks
I really appreciate your speed and efficiency.
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
Civic has a good team for obtaining a hard loan during hard times
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Great to deal with for the 2nd time
This Loan process was fast, efficient, and very well communicated
Because of our relationship with Ben/BDO
Jennifer was very attentive to all my questions and concerns. Great follow up. On our recent Purchase borrower wanted to go with a competitor but Jennifer responded extremely well that Civic would exceed all expectations and you did. My borrower […]
Fast processing to approve a loan
Great customer service and easy to get in contact with
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 […]
Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!
Outstanding service time and time again. Reliable, Honest and dependable place to do business. Great team, great people provide great service
From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Eli Marcus is amazing
Chris was professional and communicated clearly and quickly at every step of the process
Have been working with Arnold for 2 years now-he is Awesome to work with
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.
I am a broker and I direct business to Civic on a regular basis. I have worked with Civic for 3 years now and believe Civic has the best platform and operations in the industry. My rep, Chris Rosas is […]
Chris and team were available for questions and did a great job explaining the process
Will promised up front he preformed on it, we have 20 years in the business so this is not are first time. . . thank u Civic
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
Extremely professional! Look forward to doing business again in the future
The speed /quickness is important
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!!
Working with your reps George and Jo Jones makes this process to easy. Meeting them has saved me and my clients a lot of money to later invest :Thank you guys for everything you do
Efficient, responsive, and overall great experience!
Very easy to work with. Minimal paper work compared to other lenders. Great interest rates and length of loan options. Eli is The Man when it comes to working with greatness
Quality, professional and thorough from start to finish…
Very easy to work with. Responsive and quick.
Great people to work with
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
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
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.
Great team and staff. Extra thanks to Ivan
John is always helpful and Im glad we got this loan done
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.