CIVIC is your local Tampa 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 Tampa 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 Tampa 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 Tampa.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Tampa 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 Tampa private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Tampa 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 Tampa 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!
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
Everyone worked very diligently, very happy
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!
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
My broker Chris Rosas and the Civic team have great communication and efficiency
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 […]
Matt is very knowledgeable and easy to work with.
Civic brings efficiency to deals that always impresses me
I have used Civic multiple times and wouldn’t hesitate to recommend them to anyone thinking of using them. The whole team works well together and moves the file along seamlessly. Grateful to get to work with Cameron
The deal did go through quickly. Everyone from the team was professional. I hope to do future business. Looking forward
Steve was awesome! Thanks so much!
I really enjoyed the experience with Civic due to the customer service of KB. He helped to make this experience seem less and was very patient with my questions.
Good help me really good
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Good, quick, easy to work with
Nick Flowers is always the consummate professional and a pleasure to work with. Glad to work with him and the Civic Team
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
Tough loan – good job getting it closed
Easy to deal with the staff Good job to JP
Great service, great team, we love it. Would love to become corresponding lender with you if you can make it happen. It be great if we can private label it which type of funding by you guys. Thx
Quick close great communication.
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
Civic got the loan done in a timely manner , nice professional service!!!
Good sense underwriting and favorable terms
Rance was outstanding. The process was quick and simple and the communication was excellent
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
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 […]
Because mark liker is the man. Communicates well and gets the job done
Awesome lender, fast, and well priced rates
Jackelyn was so good !
Peter has gone above and beyond to make sure that us as the customers are taken care off. . Return emails, phone calls, and texts in a very timely manner at the same time keeping us updated on how the […]
Great service! Easy to work with and they get the job done quickly
The team is quick to respond and easy to work with
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.
8th loan in 12 months done in a record 11 days. Our guy Brian came through for us, we wish him many coloring sessions for the grey hairs we give him. NOT! just two minuscule conditions from Kailyn and ZERO […]
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
Second time using CIVIC for me. Great team to work with and seamless financing.
I enjoy working with Civic, mainly because of Jack Robinson, my Account Rep. He always goes above and beyond to make a deal work and see through closing. He is available to me, any time I need him, even when […]
Ivan was great! Always in constant communication
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Rance and his team made the entire process very easy.
Jackie is the best partner she follows up even when I got disinterested she kept plugging away.
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. Over the years, I have developed a good sense of comparative value. […]
Good service, would send more business
Very prompt and efficient process!
Always a pleasure working with Nate W. I consider him more of a partner than a lender. With that said, he will always have my business
Randi communicates well and made the loan close on time
Our account executive, Jack, kept in contact with us through all aspects of the lending process at all hours of the day and went above and beyond to help us understand and navigate the process and to be prepared for […]
Thank you Matt and David for everything. On to the next one!
Ben and team have been great! Thank you
Great communication and availability
Ivan was great to work with
100% because of Nick Flowers. If he lived in Dallas I wouldn’t stop recruiting him until he worked for me PERIOD!
Awesome services, they are very professional
Fastest closing I ever had with no hassles
Another 5 Star experience with Marco and Corey!
My rep Peter was the best
Rance has been excellent to work with, fast an sufficient closing
Because I love my rep and processor!
The process of working with Civic was easy, fast, and much appreciated.
I’ve done multiple transactions with Civic. Easy to work with. Best rates I’ve found for the kind of projects I do
Working with Rance was the best experience we have ever had in any of the lenders we have worked with in years. . . He was very professional and communicative (giving us day to day understanding of the process and […]
Great Service and prompt turn around. Can’t ask for more!
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
Response time was stellar! Everyone was knowledgeable so it helped reduced the amount of back and forth
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
Awesome service as usual!
Dave made this process very easy. His communication was top notch
Very good product and excellent people to work with
If you have a loan that fits their box. They are extremely good.
Joe Zaniboni and the Civic team have been extremely helpful and quick! They make the process painless and easy. Highly recommend!
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.
It was a quick close
Best lending and closing experience! Will be doing future business!
Civic did it again! One more happy customer.
My broker Eli Marcus made the transaction very smooth and easy to work! Excellent experience!
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
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!
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 6 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Jackie Gonzalez is the best. Great communication and she will fight for your loans. I will use you again real soon
Civic has a great process and are fair.
Very helpful staff
Kendra is great to work with! She knows what she’s doing, is a problem solver, replies quick replies, and is trustworthy. I definitely recommend reaching out to her
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
My experience was a quick and easy closing
Civic team did an excellent job of completing my buyers purchase transaction. Dan Crouse was always readily available for any and all questions and concerns
Jack is one of the best AE’s around. He is extremely professional, very responsive and knows his stuff. It is a pleasure to work with Jack and I hope we are able to close a lot more loans together.
I appreciate the good service from Justin Cohen.
Works well with buyers
Rates are low, I also like the Home Depot discount
You’re personnel and programs get the job done without a lot of hassle and underwriting multiple conditions
Mike J is top notch.
I really appreciate your speed and efficiency.
Very strait forward person, problem solving, and dead line focused.
Easy approval process and most importantly, certainty of closing
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Kendra was great even when we had to re-do everything! Great job!
Eli is an an exceptional account executive. His communication and people’s management skillsare out of the world. His response to all of my requests is always prompt. He’s the reason I am dealing with Civic. Also his tolerance level is […]
Fast service, excellent team
Efficient, transparent and forthcoming.
Nick and his team were very professional and great to work with the whole time.
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
I gave a perfect 10 rating to Civic, because of my AE Nat Avendano! She was professional, always available, and extremely knowledgeable. All other parties involved in our transaction, (including our title company, which is impossible to please), agreed that […]
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
Justin was great to work with and helped me push this through so fast. Great person!!!
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 […]
Always good service.
Civic is awesome!
A great team to work with. They get it done
Great service all the way through
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
I would recommend this co. to anyone that needs fast service, and reasonable rates. I appreciate Chris Rosas for his fast and helpful service. Thank you
Brian Fung really worked hard to make this happen. He is a stud
Great work getting difficult transaction closed in a matter of days. Brian and the whole CIVIC team did a great job.
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Justin Cohen and his team were very professional and very responsive. I look forward to working with them again soon on more loans
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
Joe was great! Pretty easy process. Will do business again. Thank you
Tiffany was extremely helpful and patient with me. This was my first time doing an Refi so I had many questions and she was there every step of the way
Fund quickly and very responsive
Peter K was extraordinary in the loan process. Thank you for all you did for us during our securing a great property
Marco and his team are so great to work with! Make the loan process easy and quick
Great communication. On time and great follow up
Nate and Aly are the best!
It’s been a pleasure working with Anthony!I have already referred a friend who also closed a loan with Anthony. He is the man!!
Worked out great and Audre gets it done
Civic was fast and delivered on the type of loan my clients needed.
Great experience in working with Tedd, Monica & Daysi at Civic. This is a great organization that works efficiently in closing your loans. I highly recommend Civic and Tedd’s team in particular.
Melissa is very professional. It was a very easy deal again.
Josh Levine was super!! He knows his stuff and is very diligent. . .
The CIVIC team was great
Matt and Corey made sure we ready to close the loan ontime. They were the best
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
Great organization and attention to detail! Will continue piping deals to my guy Matt Comeaux!
Great working with Jackie at Civic. Great communication and they do what they say there going to do
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 […]
Rance and Rebecca make getting a loan so easy and smooth. During times like this, it’s good to know my loan will close!
Turned around my funding request pretty quickly. Easy to work with. Good rates. Have already recommended you to another investor
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
great AE and processor. It was my first closing with CIVIC, Tony was there every step of the process; from A to Z. Processor was experience and friendly. I would highly recommended CIVIC to any investors or brokers. Great job […]
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 […]
Easy to work with, responsinve, and Todd Kaplan is a great rep
Civic is an extremely reliable company, and Scott gave us superb service
This person is very polite and helpful. Whenever we have problem they use the fastest time to help solve it. I recommend this person to everyone who needs one.
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
James and his team are great to work with, they went out of the way to make the process smooth.
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!
Dependable patient attitudes, this was a complicated purchase, they marched on with everybody seeking the only option, success!!
Timely close at the right time
CHRIS LUSHINA is simply an AWESOME rep. His communication skills are excellent. He knows how to trouble shoot files and find resolution to get files to docs
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Cristian Gonzales was a pleasure to work with. He was always very detailed and on top of my loan he would ALWAYS answer my calls and all the questions I had. Process was super fast and just couldn’t be happier. […]
Got the job done and kept their promises
Will and his team at Civic have always done an amazing job
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
They found a solution for my situation that a traditional bank would not have taken the time to do
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
The account exec Mariam was amazing. She readily & promptly responded to all questions and inquiries. Clear expectations were communicated and met throughout. Very knowledgeable.
You guys are the best!
Very professional team, Daniel is very responsive and closed quickly.
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Excellent follow up and teamwork to get the loan closed
Great job Jack! Thank you!
Mark has been great to work with.
Great service throughout the transaction. Fast and efficient with great communication.
Ben, Vanessa and Dianabele were amazing like he last deal!
Great company, they work fast and do as they say!
Great working with John is always available and knows what he is talking about
Justin and Jack was great to work with and helped me push this through so fast. Great person!!! Thanks
Great Job Jack Excelente trabajo ,muy buena comunicacion, Gracias Crystal and Jose
Ivan’s communication and response has been excellent.
Eric is a stand up guy to work with. Gives advice and input that helps move the transaction along quickly and on time
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.
Super helpful every step of the way!
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 […]
Ryder and Monica were wonderful to work with! From my first call until closing, the process was smooth, there were no surprises. All requirements were laid out clearly. Complete disclosure and professionalism. Thank you!!!
Easy to deal with and on top of things for a quick close!Thanks for all your help!.
Will and the whole team did a great job on this rush file!
Good follow-up and coordination between team members
Quick response. Great rates.
the Deal closed as needed
Great rates and service. Working with Wade is greatest. Makes life easy
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
Rance was great throughout the process even with glitches that came up during last days of closing.
Excellent communication, support, effort and cooperation!
Rance has been wonderful. He’s very responsive and has a quick turn around on things!
Working with Brian is great, he’s very responsive and works to get deals done despite any hurdles we have faced.
Justin, Marissa and the whole team have been great to work with. Thank you
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Exceptional service. Went without any issues. Thanks
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the […]