CIVIC is your local Dallas 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 Dallas 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 Dallas 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 Dallas.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Dallas 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 Dallas private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Dallas 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 Dallas 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!
Very professional; Great communication; Follows up.
Justin’s great 🙂 Everything was smooth from start to finish
The Service is great Kendra’s team is the bestTo work with!!
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
From start to end. Service is always excellent. Thank you team
Anthony always pulls thru for my clients! I will always recommend Civic!
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
Rance Brown and Rebecca Porter were excellent and responsive to work with.
Good rates. Mark Liker was very nice to work with
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 […]
Mr Eli and his team offer excellent service and quick response times.
I have to say this was a great experience overall. Mike Farley was a tremendous help with all questions we had and really guided us through the entire process! We will definitely be recommending CIVIC to all of our friends! […]
In an uncertain market, Civic made it work for my refinancing goals. Thank you, Allison Dettelbach. I will reach out again soon
Thanks for the promptness of Rance Brown got my refinance cash out on investment property. The whole process went easy and quickly . Application to closing was much quicker than I anticipated. I am more than satisfied with my experience […]
Great job! Another deal done
Talar is an amazing loan officer!
Working with Joe Z. was a breeze. He’s always very helpful
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!!
Matt and Team were great. Quick response anytime I had a question, truly made the process quick and easy. Great Job!
The CIVIC team was great
Excellent Service, working with Eric & Diana was a pleasure
I liked the service and professionalism of company. Jennifer is the best and knowledgeable and also she is very proactive.
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
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!
Always a great lender!
Josh Haddad makes it easy. He’s very knowledgable about the products and the process and the team gets things done. We really appreciate the dedication, speed and respect that Josh and the Civic team offer to us and our clients. […]
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Closing went smoothly and Eli did a great job keeping things on track
As a first time home buyer, I feel fortunate to have chosen to work with Civic Financial Services. They were extremely easy to work with, prompt in relaying information and returning emails and phone calls, and were extremely friendly
Every thing they said they would do they did. When things became difficult they didn’t give up they pushed forward until the job was done and loans closed
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. […]
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Another 5 Star experience with Marco and Corey!
Chris and his team did as they said with efficiency and courtesy
Excellent! Got docs so fast! Very happy broker here! Thanks to the great team at Civic. Steven Fisher, Corey and Chelsea.
Awesome rep….awesome customer service
Great job Jack! Thank you!
Randi was professional,caring,informative and pleasant to speak with. She did everything she said she would do and some extra
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
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
This was my third transaction and all prior ones have gone very smoothly
Funding- Quick Closing
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 […]
Performance and attractive pricing!
Excellent service. Very helpful and always answered all my questions right away
Civic was able to quickly get us financed so that we could move on a house
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
All the individuals involved in this transaction were completely helpful and professional
I have worked with Melissa on Closing a few properties now. She is great and always on top of everything needed from title and is very professional to work with!
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
Amazing Service, Fast and Furious
Great financing company!
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
Justin did a great job all around. Got the mortgage done in a short amount of time and maintained great communication throughout the process
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
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 […]
Arnold, David & Jenna, are always helpful. They work well together as a team
Randi was amiable and very helpful. Also, she communicates with me all the time to give any updates about my loan.
Civic was very responsive and worked quickly to fund my project
Great team and execution!
I’m happy with the service I thought it was pretty easy and Ryder was very good to work with.
Chris and team were available for questions and did a great job explaining the process
Fast and reliable! Thank you so much for helping us!
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!
Easy to work with and very professional
Great lender, easy to work with and fund fast!
Love these guys. They always do what they say and say what they do.
They kept us informed step-by-step
Excellent service and quick response to questions
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 […]
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 hard money lender
Everyone who helped out at Civic were awesome the whole process of the escrow. From Rance to Jeremy and Rebecca, all of them were so nice and on top of everything. It made the transaction very easy and would recommend […]
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
Jack, Heidi and Jose Thank you for the excellent job . Gracias to Help my clients Civic Financial Services are my number one lender; more than 18 loans
Have you ever been at an event with arms raised in the air, pumping both hands up and up? That’s what is feels like working with Civic. Each contact is super positive, elevating your confidence in the transaction. Each closing […]
Marshall and his team were very good at explaining the process and helping me to move forward with the transaction. I am much more comfortable now with the borrowing process and will definitely use them again.
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 […]
Excellent pricing structures and low fees
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!
Awesome service! Prompt reply to inquiries. Fast, efficient process and closing. Well done!
Easy to work with. Got us to the finish line despite it being the holidays.
Jason was very professional. He worked really fast to get the deal done. He walked me through the whole process. I will use them again. I am very satisfied with the service
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
So very knowledgeable, caring and so friendly
Great customer service provided by Trevor Niemann!
Customer service and the follow through from Heidi was outstanding
Good interaction with rep. On top of deal. Did what they said they would do
Rance has been excellent to work with, fast an sufficient closing
Fast closing terms I can work with.
Chris and his team makes the funding process so easy
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 […]
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 […]
Jack is the best AE we have ever worked with. He is communicative and helpful, always goes above and beyond
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
Justin, Aly, and Marisa are the most professional and efficient team I have worked with in this space. Their steadfast approach throughout the deal cycle provides a solutions based environment, even in the most stressful situations. Beast mode!!
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
Great terms, easy to work with
Eric Weidner is extremely responsive and knows his products. We cleared our loan with very little effort. the clients are happy so are we!
When no one else would consider giving me a loan because I didn’t fit their box. . . . Civic got it done! Mike was quick to respond, and Civic navigated a few hurdles and got me the cash quickly! […]
Very easy to work with
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
Working with Ryder was great, he is attentive and very helpful!
Awesome service as usual!
Matt is a pleasure to work with always upbeat and helpful
Civic Financial is second to none in providing quick and reliable lending. I was presented a property opportunity but needed a cash out refinance done in 4 days. Ryder Byrne and Michael Hoyt pushed it through quickly and with very […]
Rance and his team were great to work with. They were quick to respond and the process was fast
Excellent service from Beginning to end
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. […]
The best team to work with Derek , Kathy and Monica. Very responsive and fast acting made my loan process super easy. Thank you all
Reputation, Rates, and Service
Once again, Justin Aly and Marissa (the dream team) crush it! We feel so lucky to have a Great partner in Civic and more importantly, having Justin, Aly and Marissa driving deals and providing results. Thank you!
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Matthew Rabinowitz did a great job closing my first loan with Civic, I will continue to do business with Matthew
Excellent follow up, and genuine care to get the deal done and help out
Great service! Jack and Aly were extremely responsive and understanding to a tough deal
Mathew and the CIVIC team are easy to work with and fund fast!
Quick execution on complicated transaction, competitive rates, good service
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
So many great things about CIVIC
Great Staff! Chris Rosas is an excellent AE!
The real deal!Other lenders made promises that they could not keep. Civic financial closed my loan quickly and with little hassle. I’m looking forward to working with them again!
Responsive and timely. Common sense requests and requirements, and available when needed!
Great to deal with for the 2nd time
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.
Everyone was great. My questions were being answered.
Great processing experience with great terms and rates offered
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
Dan was great communicator, Very well designed website where you can upload all the documents needed for the transactions, Competitive rates
Whit and Vanessa are all stars. In the midst of a National Emergency they were able to quickly communicate, approve, and fund within the time line needed
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
Great service and customer service
I had the pleasure of working with Cameron (again) and I hope to again. Cameron, and team at Civic, make my business easier and are on the ball, straightforward, and quick. I would refer Civic, and Cameron specifically, to anyone […]
Great employees and product!
Awesome lender, fast, and well priced rates
I can not tell you how appreciative I am of Jackie and Rebecca at Civic Financial. They closed my deal with in 2 weeks. Thank you ladies you are such a Blessing.
Honest, fast and delivered every promise. Great communication.
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Civic was very good to work with. Recommend them to all looking for investment needs.
This was my 3rd transaction with CIVIC this year and I had full trust, as usual, that all was being taken care of during my busiest months of the year!! Truly a 5 Star service run by true professionals!!!
Ivan did a outstanding job. Very satisfied
Will is defiantly someone I would like to do business in the future
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!
My experience was a quick and easy closing
The very best service all around. Even had C- Suite Bill and Jack come into town to personally ensure it!
Ivan’s communication and response has been excellent.
The team is quick to respond and easy to work with
We make a great team
Amazing support from AE and great inside processing
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
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 […]
Tony and his team made their loan process painless! This is my second time working with Tony and you can bet I will be coming back!
This was my first experience with private lending and I’m extremely pleased with how everything went. My account exec, Walter Brown, was fantastic and I will definitely use him again should the need arise
Civic provide me a great Representative Nat Avendano, a great person to work with, good communication with Broker and Client
Awesome team. Works so hard!
CIVIC Team w/ Nate, Teresa, & Gabriela is always a great process. They continue to meet & exceed our expectations when it comes to funding our deals
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.
Davis was very attentive and communicated every step of the way
The Customer Service was great. The efficiency of the flow through the process. Peter is awesome
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
Great team to work with. I am a repeat customer
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Great working with John is always available and knows what he is talking about
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Jackelyn is excellent to work with. I appreciate her transparency
Ivan was amazing!!!! Professional and streamlined
KB was fantastic from start to finish with a ton of work and guidance in between. KB was a plether of knowledge and master of the process which was extremely helpful to me so I’d highly recommend him and Civic […]
Overall service is excellent
Always a pleasure working with Peter Kraemer & his team. Professional 100% – seamless and efficient, never stressed when working with Peter. Job Well Done!
I like working with Civic. And I always recommend to my coworkers
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
Thank you for your assistance
Because the service was great! Came up with a plan and executed. Correspondence was very timely
Great and best service. My rep Randi was also available to take my calls and reply within 10 minutes when I sent her text messages email or left voice messages. I highly recommend Civic to anyone
Very responsive & helpful
Top service and results
Justin was very professional, always responded in a timely manner and provided clear and concise details about the loan process
Great to work with Melissa and Michael, they go above and beyond to get things done Although Melissa was on vacation but she took the time to answer my call and that to me is a big deal. Civic is […]
Because mark liker is the man. Communicates well and gets the job done
Paul McGann was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised.
Anthony was great in the process
Great communication!They were able to do what other Investors could’nt.
Eli was very professional and kept the communication open and continued to push through this covid-19 event to get this deal done. Thank you!
Awesome lender. Highly recommend and will re-use
The team comes through every time!
Our experience with Marshall Jones was excellent. This is our 2nd transaction with him and both experiences were outstanding. He is a great communicator that is familiar with your programs and walks us through the process along the way. Marshall […]
Working with Trevor & Kailyn was great! They made things easy for me.
Worked with Dave Rooker on many properties/flips I own. He is THE BEST!! As well as Gabby & Marisa at Civic Financial. I already send my family & friends to get financed from you guys!!
Ben, Vanessa and Dianabele were amazing like he last deal!
Excellent to work with!
You are very helpful and make the process easy
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
Ben, Dianabel and Vanessa were amazing to deal with once again!
AE Kevin Victoria is very helpful to work with
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Amazing support from Ben, Vanessa, Dianabele once again!