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!
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
Great follow up and flexibility!
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.
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
Quick turn around from start to finish
Civic has a great process and are fair
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Justin was incredible. He stayed in contact with me through out the whole process
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
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 […]
Very professional, transparent, smooth process, and a quick closing. Delivered as promised!
Jim and his staff were patient, professional and executed my funding with such ease. I would definitely recommend them and I plan utilize their services again for my capital needs.
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
Great loan structure
Good loan coordinator. Easy transaction
Brian was great it was easy fast and non worrisome
Great service all the way through
Super fast turnaround.
The online process for applying for a loan w/Civic was simple and straightforward. I got immediate feedback & knew exactly the deal for which I was qualified. The Account Executive, Randi Lauren, followed up with a phone call the same […]
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
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
I would recommendCivic Financial to anyone
Cause Jackie & Becky Rock! Woot Woot!!
My experience was a quick and easy closing
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
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
We worked with Ryan Snep and he was fantastic. He helped our business get the exact loan we needed and was helpful throughout the process. I would highly recommend Civic and Ryan Snep!
Everyone was so friendly and helpful and worked to meet my dead line.
Highly recommended. They are professional, diligent, and courteous.
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Loan officer was diligent and super fast. Already working on the next few loans. Will recommend to my fellow investors.
Marshall was very persistent and helpful. Always on top of everything. Good job!
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 […]
I was working with Justin and he is amazing. Very professional.
Good, quick, easy to work with
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Very responsive. On top of things. Great communication with insurance agent, escrow
Kevin is very professional and a pleasure to work with. Thank you
Great people to work with
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
Every closing we have with Civic has been a great one!
Easy to work with. Got us to the finish line despite it being the holidays.
This Guy is Awesome! And Amazing to work with! Not to bad on the eyes either! lol Respect his input, integrity , and professional. . . I hope he gets promoted but then again I don’t, because we need him […]
Excellent service from both Rebecca and Jaqueline. Very hands on and helpful. Thanks again look forward to continuing to do business
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 […]
Jackie and Rebecca are the best team ever
Civic Financial made our year! Ben Shaevitz came as a referral when another lender was not able to help us with a mid-construction refi we were looking for. We were working under a deadline and he was able to reassure […]
Peter Kraemer was great to work with. Highly recommend
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
Jackie and Rebecca were wonderful keeping my husband and I informed on the whole loan process, and very professional!
I believe from myexperience you are professional and looking to help people
Very supportive and quick close. Arnold is great to work with
Best result are always coupled with HI CALIBER reps like Chris Lushina. His experience , knowledge of loan products coupled with hiscommunication skills to trouble shoot issues that may be slowingup approvals and closings have been simply AMAZING. In each […]
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
Great job closing the transaction on time.
I had a FANTASTIC experience with Peter Kraemer with his patience, care and expertise in coaching me during my very first project. If he was unavailable when I reached out to him, it wasn’t long before I received his follow […]
Good sense underwriting and favorable terms
Great Experience. Matt was very attentive and ensured he was a part of the entire process from beginning to end, as well as keeping the communication lines open
Wade is excellent!!! He willing to help and tomotivate!!!! He is a true blessing and asset to your company. Because of his positive WORDS it builds confidence!!! After talking on the phone with WADE HE ALWAYS LEAVE OFF WITH “YOU […]
Jack is amazing to work with!
Great service closed on time
Chris is the best!
Eric Weidner is the man!
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
We had some issues with the county permits and they went way beyond to work with the county and get everything updated so we could buy our hone!
Eli Marcus is amazing
Civic was promptly funded our deal when it’s ready. Especial mention to Marshall who personally assist us to our transactions. Hopefully we’ll be working more with them and will definitely recommend to other investors. Mahalo!
Great service and quick process
Will Dodson,our sales representative is awesome. Always staying in touch with us even though we had no need of funding. But once we did find a project that needed funding is quick to respond. We have funded two projects with […]
Another great deal
GREAT JOB CIVIC
Civic Financial Services made the loan process easy and brief. I was able to secure my loan by following their simple directions and providing far less complex information. The appraisel process was inexpensive and saved me a great deal of […]
I would recommend them to anyone
I took out my first rehab loan with Patrick at CIVIC. The process was much simpler and faster than I had anticipated and it was one of the easiest mortgage transactions I had experienced. I look forward to working with […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
Once again Melissa and her team did great job with this close i was at risk of losing the whole deal because seller want to close sooner so Melissa went above and beyond and got it done. Merci
Matt and Corey are the best
Quick hands on service. Response time from Matt almost immediate. Exceptional service
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
Very professional and fast to respond
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.
Excellent people to deal with. All around great experience. Highly recommend
Audre made us feel assured we were going with the right loan for our situation. I’m very pleased with her performance and professionalism. You should be proud to have her on your team.
So many great things about CIVIC
Another 5 Star experience with Marco and Corey!
Quality, professional and thorough from start to finish…
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
Great Service as always
Mark Liker was great to work with: product knowledge, communication, response time – fantastic experience
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 […]
Exceptional lender. . . . they actually did what they said they would do, which is almost unheard of amongst lenders! Straightforward, fast, efficient and honest. . . I have worked with real estate lenders for over 40 years, and […]
Always a pleasure working with Whit and Vanessa at CIVIC. Loans are not always easy and some can be challenging and time consuming but Whit and Vanessa always step up to make sure things get done in a timely manner. […]
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
Civic has consistently delivered on their promise to support our business. We have done several deals with Civic now and they consistently deliver with excellence. Melissa Salinas and Michael Hoyt are high professionals, very knowledgeable and fast!
Upfront with everything, professional, diligent, always eager to help and solve problems
I would highly recommend Eli Smushkovich & Chelsea Meneses. They answer their phone and respond to e-mails promptly. Eli is a consummate professional and worked diligently to get our loan done timely.
Fast friendly knowledgeable…
Anthony has been extremely helpful and accessible through the whole process.
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Great loan product and always close!
I applied for a loan with Civic Financial and I did not know what to expect because I was in another state. Taylor Contreras assisted me throughout the process and I can’t say enough about how wonderful and personable and […]
Excellent service always on time . A pleasure working with Anthony
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 […]
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
My team and I had had a great experience, The loan closed promptly and went thru just as promised and expected. Matt and his team kept us in the loop the entire process and we never felt left in the […]
Quick and Easy! Peter was the bomb. com!
Great service, smooth and quick transaction
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
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
Ease of transaction. Justin was available to take my calls even while on vacation
Cause Jackie & Becky Rock!
Held my hand through the whole process
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
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
Ben, Dianabel and Vanessa were amazing to deal with once again!
Very quick and efficient
Civic Financial Services was amazing to work with, and I can’t wait to do it again. Brian Fung is amazingly patient, and the experience will have me recommending to friends moving forward.
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
Really awesome service!
She is polite. Patient. She is reachable
Fast and friendly service on loans and funding
Seamless and organized loan process
Civic has been a great partner on the lending side of our deals. We are extremely satisfied with their speed on the analysis and confirmation on their interest. Also, the underwriting is very fast
great rates, great customer service. overall great experience
Mark was easy to work with, timely and a no-hassle experience over all
james was good and helpful thru the hold process
I was pleased with the short time the whole process took.
Arnold, David & Jenna, are always helpful. They work well together as a team
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 […]
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Great experience with Eli Marcus
Excellent!! Quick and Simple
Rance Brown was great services, fast, helpful, and make it easy to understand. Love working with him again on the next projects
Civic was fast and delivered on the type of loan my clients needed.
The service, timeline, and delivering as promised saved this deal!
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
Great terms, easy to work with
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
The interest rate is good. Employees are professional. Worked with Nathan; he is just awesome. The closing process is streamlined and very simple
Great, fast, reliable service
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
Because of our relationship with Ben/BDO
Quick turnaround, competitive rates & fees
I started working with a different lender that kept delaying and pushing back the close. I almost lost the deal, but when I started with Civic and Jack things started moving and we made the deal happen
Great service , quick response
Civic was very good to work with. Recommend them to all looking for investment needs.
Great service, timely respnses
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Marco is a STUD. Hands down he gets the job done
Civic moved quickly and was very responsive to meeting my needs
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Brian Fung was great to work with. . . . he was very communicative and held our hand through the entire process. I would highly recommend Civic and would definitely use them again.
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
Excellent communication. Very punctual
Another successful closing with Civic. We had a short closing time frame and they came through for us.
Marco and his team are so great to work with! Make the loan process easy and quick
Communication and turn time!
John is great to work with!
Will and the whole team did a great job on this rush file!
Matt was a pleasure to work with, very professional and helpful throughout the entire loan process. Matt was also accessible and would answer calls and emails with any questions or concerns I had. I would recommend Matt and CIVIC in […]
Justin is an awesome person to work with. He was there every step of the transaction. Smooth transaction from the start to the end. He really understand what an investor is looking for and he stood in the standpoint of […]
Great process and reps, The best private lender in the market
Awesome transaction! Jo is the best!
Smooth and seamless transaction. Will be using them again soon!
Michael Hoyt was a pleasure to work with. Always stayed on point and made sure that we crossed our t’s and dotted our i’s to meet the deadlines needed to get my deal funded. Thank you Civic Financial Services for […]
Many thanks to Civic Financial Services! The process was streamlined and efficient. My loan offer went above and beyond to ensure we received the best deal possible. I truly enjoyed working with the staff at CIVIC, looking forward in doing […]
I liked the fact that they were able to go over the process initially with me and gave me different options to choose from.
Competent, get the job done
I have done a refi and an investment new construction loan with Civic. . their proffesionalism and promptness is matchless. Great to work with Rebecca, Jim and Arnold are amazing to work with! I look forward to many many more […]
As in Independent sale office,the Civic Financial ‘Services” team gives us the tools, insight to overcome obstacles,education for a smooth underwriting process and eventually close and bring value to our clientsSpecifically, Jackelyn Gonzales and her team including Rebecca Potter and […]
Excellent service and experience
Justin is awesome!
It was a pleasure working with both Civic and Cristian Gonzales. They made the transaction easy, smooth and fast. Despite having significant back and forth with the seller. As a hard money lender they will be my go to lenders. […]
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
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
Very easy to work with, Kept me informed and closed fast! Adam and Corey are awesome, they made me comfortable during this detailed process. I also know this is a little out of your desired area and because all of […]
Pleasure working with them!
Civic Financial Services handled my transaction with a high level of professionalism and speed. Their processes are streamlined, which for a customer equates to a high level of confidence and security that they will do what is promised. And that […]
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 […]
Mr Brown and the team at Civic Financial Services were incredible. I was provided with outstanding service and they were by our side every step of the way. This is my 3rd loan with them and highly recommend him to […]
5 star service
Fast fundings 🙂
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
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
Great company! They worked hard and made sure everything go smoothly. Marisa, Jose and Dan all did a great job this time. We are very pleased! Thank you all for the hard work. We look forward to work with them […]
Excellent AAA service by Account Rep!
This was the loan from hell, borrower bought from auction.com sellers kept changing things from start to finish. Civic handled it without any problems. Melissa Salinas kept me updated and was as professional as any A/E I have ever worked […]
I have worked with Civic Financial Services on few transactions and they are the best to work with when it comes to private deals. Very professional and responsive. They have always exceeded expectations for me and my team. We will […]
The most trusted hardmoney lender in the business
Awesome service as always. Jackie and her team are the greatest!
Communication is off the charts and definitely exceeds expectations. Not once did I have a question that wasn’t already answered. Not once did I have to reach out for status. Communicating via text, email, phone calls, and with lighting speed […]