CIVIC is your local Atlanta 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 Atlanta 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 Atlanta 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 Atlanta.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Atlanta 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 Atlanta private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Atlanta 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 Atlanta 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 were wonderful keeping my husband and I informed on the whole loan process, and very professional!
Great services and great staff! The decision to work with Civic has helped me achieve my professional goals.
Experience with civic was great. They answered all my questions and never delayed on anything. I was on a time frame and gave them a very short notice for closing and they made it happen.
Kendra was great even when we had to re-do everything! Great job!
Efficient, responsive, and overall great experience!
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
100% because of Nick Flowers. If he lived in Dallas I wouldn’t stop recruiting him until he worked for me PERIOD!
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
Josh Levine was super!! He knows his stuff and is very diligent. . .
Kendra- Unicorn deal structurer, unique mind to envision deal inception to exit. . consider yourselves fortunate to have her in your employ!
Pleasure working with them!
Great service throughout the transaction. Fast and efficient with great communication.
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
Fast friendly knowledgeable…
4th transaction (this year) with the AMAZING team over at Civic and YES!!!!. . . . another quality experience with these professionals! Mid Civic rolling out a new loan product that I wanted to take advantage of, on top of […]
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Highly recommended. They are professional, diligent, and courteous.
Super fast turnaround.
Civic delivers every time!
Civic is a pleasure to work with, they handled every aspect of my clients loan with the utmost professionalism and demonstrated flexibility in working to get the deal done. I will certainly be using them for upcoming loan transactions!
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
Great Service and prompt turn around. Can’t ask for more!
James and his team are great to work with, they went out of the way to make the process smooth.
Randi is great. Randi goes beyond and always keeps a good communication
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
Because the service was great! Came up with a plan and executed. Correspondence was very timely
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!
Ryan Snep was fantastic to work with. He was professional, helpful and knowledgeable. I would highly recommend Ryan and Civic Financial Services for all your hard money loan needs
Fast close, easy to work with 🙂
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
Overall a good experience. Lots of hard work by Bijan to make this all possible. Great Job!!
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!
Good loan coordinator. Easy transaction
Another great transaction with Marco and his team. Got more coming, thanks for everything!
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
Quick close. . . good job Brian Lee
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Ben and Vanessa were amazing to work with. Both very quickly to respond to any questions and provided superior service
Seamless and organized loan process
As a Realtor I have closed 547 transactions in my 7 years and this company was quick and reliable. Contract go close in less than 7 days .
Paige is simply the best ! Super professional and helpful . Thank you
Easy process and closing. Randi is amazing to work with.
CIVIC has always been an efficient lender, great to work with!
They are just that good!
I wish all my deals could be done by civic, Scott vincenti is the best rep. I have dealt with
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Was told yes when others said no. He did what he said he would do. Was great to work with. I’m going to use him on all my loans
James is So hands on thru every process
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 […]
Amazing team to work with!
Always good to work with Jackelyn and Rebecca.
Great people. . and work very hard to get you the best deal
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
Rance provided an excellent service throughout the whole process and has been instrumental in closing our loan. We appreciate his help and will definitely come back!
Rance Brown was great services, fast, helpful, and make it easy to understand. Love working with him again on the next projects
Amazing lender. Great service. Fast and efficient
Professional, Responsive and Detail Oriented Loan Officers
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
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 […]
My AE, Mariam was excellent in communicating what was going on from a status position to explaining the next steps so my borrower and I were not blind in the loan
The professionalism of your representative Randi Lauren.
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
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 […]
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
Chelsea Menese is by far the best processor, loan coordinator I have ever worked with. This file along with the 4 previous files were very easy as a result of HER amazing talents. Chris Lushina has also gone out of […]
Working with Brian is great, he’s very responsive and works to get deals done despite any hurdles we have faced.
Easy to work with and very professional
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Overall service is excellent
The closing was super fast. From beginning to end my loan was closed in 8 business days. It was such a easy process. I will definitely use them again!!!!
Awesome Team! Kept me informed and they were very responsive. Look forward to working with you in the future and beyond
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
Best company I’ve ever worked with.
My team of Manny Mosqueda, Lilia Gonzalez and Teresa Esquivel were extremely professional and helpful every step of the way. Their communication the entire way helped me make my closing deadline. They made a stressful, difficult process seem easy
Great company to work with.
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.
Review of the rehab budget was fair and was supportive of the project’s success. Adam did a great job of pushing the loan towards the end to try and meet our COE
It is always amazing to have the opportunity to work with a professional team, and this is for far the most prepared and excellent team Thank you!
Civic brings efficiency to deals that always impresses me
I have a fantastic account rep, Paige O. Prompt, Knowledgeable, Helpful and Friendly.
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 […]
Branch manager Zac Miller was amazing – so easy to work with and I got funded rather quickly
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 […]
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
Great customer service.
The loan process is very smooth and efficient
It was a great experience working with Josh and Becky, they kept me updated on the progress and helped eliminate any surprises. The closing went very smoothly a job well done
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 […]
Kendra’s team at Civic is very easy to work with. They are knowledgeable in their field and they make the loan process very smooth
Randi is responsive and reasonable
Loan process went smooth for the quick close
Civic and it’s dedicated staff, namely Justin, Chelsea and Heidi, inspire us to keep investing by making the process of leveraging our purchases systemically perfect with the help of their funding and communication
Excellent service always on time . A pleasure working with Anthony
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Very smooth closing
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
We had an excellent experience with Arnold.
Fast and efficient loan process and closing
Quick turnaround with an amazing service
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.
Great customer service! Fast and efficient
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
My experience with your company has been excellent. The AE that worked with me is simply awesome, the entire staff have been very helpful, efficient and simply wonderful. In spite of all the hurdles and short time frame, they all […]
Chris Lushina is great and always goes the extra mile
You guys are the best!
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC
Easy to work with, responsinve, and Todd Kaplan is a great rep
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 […]
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!
Excellent service and quick respond to questions
Just closed my first deal with Civic. Peter K is just the best rep ever. Great communication skills, quick response and always keeps you in the loop.
Great customer service and closing process
Civic did it again! One more happy customer.
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Great job as always!
Great customer service
Enjoyable to work with. Kept me informed on the progress
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
John Paul is the best rep!
Super fast, very professional and always reachable!
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 […]
Good programs. Great people
Good sense underwriting and favorable terms
They come true when you need it. It is a pleasure to work with Jackelyn and her team. Thank you.
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
Melissa is very professional. It was a very easy deal again.
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 […]
Justin and Jack was great to work with and helped me push this through so fast. Great person!!! Thanks
Great customer service!
Jennifer Moates was very professional and on top of everything! This leads me to the team that is knowledgeable, process driven, and work well together. Jennifer provided a personal touch and assurance the entire way. She asked for documents, I […]
Woot woot! Woot woot!
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 […]
Very easy to work with!
Great experience. Very happy with my experience
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.
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 […]
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Justin S. provided us with superior service!!! He was available to discuss concerns/questions at all sorts of hours/days. Truly appreciate him.
It’s a pleasure to work along with Jo at Civic. She and her team are always very helpful. Thank you for everything!
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 […]
I received excellent service and a speedy closing hassle free
Very good communication and speed from package submission to funding! Great Job!
The deal was quick and efficient and the staff was helpful and answered all of my questions
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
Easy approval process and most importantly, certainty of closing
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
I am dealing with a un-believably talented team, they work hard and they are dedicated to their cause of helping investors.
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
Ben and Aly went above and beyond to meet the drop date for closing. Ben is always responsive, available, and flexible to the situation; he can quickly assess the situation and come up with a solution.
Great people to work with and very quick in moving along the process
Justin, Ally and Marisa are all BEASTS!!
Excellent service always on time . A pleasure working with Anthony
Very quick and responsive group of people
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
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
Thank you . Jack . Very professional.
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
Thanks Civic for the great work on my loan, fair fees , professionalism in every detail, and transparency, special thanks to Jennifer Moates , who worked with me all along,it’s the best, I’m definitely working with them on my next […]
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
Consummate professionalism, excellent response time
Excellent communication and smooth process, look forward to working together on future deals
Justin Cohen and his team did a great job. I would recommend them to anyone
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
Everything went very smoothly
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
This is our second transaction with Civic (Peter Kramer) and we couldn’t be more pleased. Thanks again for all you do to help us “make it happen”!
Great service. Wade really makes it happen
Jack you are a superstar
Peter was dynamic and Civic offered products second to none in the industry. I’ll definitely continue sending my best clients
We make a great team
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Easy to work with
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!!
Nate and Aly are the best!
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 […]
It’salways a pleasureto work with Civic Financial !
Great service closed on time
Melissa was very helpful, she kept me updated all the time, and made it happen for me
Monica Hawley and Dave Piasecki were extremely responsive and worked with me to get my project funded despite some very difficult circumstances! I would recommend Civic to lend on real estate deals
Civic is just amaizing and very quick, closing loans in less that 10 days,thanks to John Riturban, Marisa Davis and Jenna Alvallero. they are the best in the business. love them
Brian FUNG and Kailyn Obenauer went above and beyond to make our loan closed smoothly without any hiccups. They were both in constant communication with us to let us know the status of our loan and to ensure everything would […]
great working with John
Eli is amazing. Great communication
Acct Rep was outstanding
Great communication with my rep Nate
A lender I can trust always!
Amazing working with John Paul. I would do business with civic because of him! True value to the team.
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
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 […]