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!
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.
Justin Harrisson and Leslie Grant worked hard with me. [This was 5th real estate closing]
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
Service was beyond perfect Mark, Corey and Monica are a great team!
Competitive rates for real estate investments. Great customer service
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
Every closing we have with Civic has been a great one!
All the individuals involved in this transaction were completely helpful and professional
Very good company to work with
Super team of Civic does wonders! Sixth loan in 10 months and all have been successful flips. Thanks to Brian Kailyn and Mike for everything they do for our financing the deals
Excellent service. CLAYTON DANLY went above and beyond. Highly recommend
Justin is awesome!
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process
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!!
Love the communication, quick response and friendly advisors
Thank you . Jack . Very professional.
The loan closed on time
EXCELLENT SERVICE AND SUPORT
Justin was great to work with and helped me push this through so fast. Great person!!!
Loan terms and rates are the best in the business. Better understanding of values and renovation game plans then most lenders.
Had the Programs and was easy to talk to to get things done
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 […]
Marco is a STUD. Hands down he gets the job done
Excellent to work with!
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
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Everyone at Civic was exceptional on the recent cloaed transactions.
My assigned Account Executive Mariam Adams is a professional and she really takes the time to listen to the needs of the client and Broker. As I have stated before, Mariam goes beyond her requirements as an AE to get […]
Kendra Rommel was my point of contact at Civic and she was awesome! She responds quickly, was full of information, and held my hand through the loan process. Thank you Kendra and Civic!!!
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Great service and continually updating progress at every stage! Nice guy too! I’m happy with the service I received!
That was the easiest closing ! Thank you for another great closing.
Civic funded 2 of my projects. They were professional and on top of getting everything done in a timely manner. Randi was amazing and kept me informed along the way. I plan on using them again.
Anthony has been extremely helpful and accessible through the whole process.
Good service, would send more business
Jack Lupo is awesome! Smooth process from start to end
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!!!
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
My investors loved working with the Rommel Team. Kendra, Leslie and Corey are reliable They make the process easy and quick. Thank You
Matt is a pleasure to work with always upbeat and helpful
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
Randi communicates well and made the loan close on time
I have a fantastic account rep, Paige O. Prompt, Knowledgeable, Helpful and Friendly.
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
I successfully financed my real estate purchase with Civic F. S. The process was smooth and the staff were quiet responsive to my needs. They assisted me from onset till closing. I will recommend them to friends and also I […]
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
Easy and transparent to work with!
Eli was amazing to work with. Great communication, look forward to closing more files
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
They are very fast and professional
Beacause you work fast and with honesty
Great team to work with. I am a repeat customer
Mike J is top notch.
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
Quick turn around for service
Easy to work with and they got the deal done
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
Civic has paved the way for how lending should be. I am elated to have a partner like Civic. They are hands down the best in the business. I buy and sell close to 150 homes a year and I […]
Eric is a stand up guy to work with. Gives advice and input that helps move the transaction along quickly and on time
I am dealing with a un-believably talented team, they work hard and they are dedicated to their cause of helping investors.
Great loan product and always close!
The Process was fast!
Derek , Kathy and Monica made my experience super easy. Great company to deal with. Right to the point and no wasting time. Super!!!!
Will is definitely someone I will be happy to make business with
Quick close, great service from Peter K
Brian Long took care of our application, it was refreshing where Brian was nudging us a long the way even though with other lenders it was the other way around. Highly recommend Civic Financial Services
Quick, easy, professional, knowledgeable, and willing to help problem solve
Great experience with my broker at Civic. This is my third loan with them and I definitely plan to work with them again.
Delightfully easy process!
We absolutely loved working with Civic!Our broker Blake Rogers agreed to meet us in person and we were very impressed with his knowledge, responsiveness, honesty, and genuine understanding of what WE needed, and try to work with that. We were […]
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!!
Matt and Team were great. Quick response anytime I had a question, truly made the process quick and easy. Great Job!
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
Tedd G. is the greatest. Extremely knowledgeable, helpful, and for a person as busy as he must be he is consistently very prompt in responding to calls, emails, etc.
Great bank to work with
Eddie Salem was a true professional, and was on target with his timeframes. Heidi Marshall also made it extremely easy to work with Civic and was on top of the file!Extremely satisfied with both Eddie and Heidi’s service
Working with Ryder was great, he is attentive and very helpful!
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Justin, Ally and Marisa are all BEASTS!!
I felt the team was fast and responsive
Cause Jackie & Becky Rock!
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
Brian has wrapped up two files with a RED BOW. . .
The loan terms are great. The loan Agent was knowledgeable and made it is to understand my requirements and suggest an appropriate loan. He was always available to resolve issues and my questions.
Best lending and closing experience! Will be doing future business!
Awesome service provided
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Always great service!
I most appreciated the responsiveness.
Fund quickly and very responsive
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
It is always apleasure to work with Civic!
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 […]
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 […]
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
I presented a loan that was too difficult a challenge for several of your competitors. It was difficult for Civic as well. However, the loan officer, processor, and underwriter were patient and determined. We all believed this was a viable […]
Patrick and his team members Rebecca + Jose coordinated another successful closing.
My rep, Peter Kraemer is great. Very knowledgeable, help, and he’s even available on weekends
Good, quick, easy to work with
I recently closed on a transaction that was smooth which is very important to me our reputation with RE agents that bring us deals. I feel I can trust the folks at Civic to deliver what they said on time […]
I believe from myexperience you are professional and looking to help people
Excellent customer service, we were treated with a lot of respect and promptly
Great communication!They were able to do what other Investors could’nt.
Eli was great to work with!
Very smooth transaction. Closed loan within 10 days.
You guys rock as always!
Working with Steve, Corey, and Chelsea is great.
From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over […]
Mr Eli and his team offer excellent service and quick response times.
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
Great financing company!
Great Job Jack Excelente trabajo ,muy buena comunicacion, Gracias Crystal and Jose
Good, quick, easy to work with
Very helpful, kind service
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 […]
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Excellent work, especially from Eli. He is a great support for business. Thank you
The service went beyond expectations, always excellent and professional
The Process was very fast
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
I had a supportive loan officer and staff through out the whole transaction
Jack Robinson kept us informed throughout the process and always made himself available when we needed his help!!!
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
Easy to work with and very professional
Jack is our rep and he is awesome!
Jack Helfrich and Vanessa Lopez deliver a very high level of professionalism and client care. We find it is extremely rare to get this level of customer service anywhere across all of our business. Thanks!
First time and it was a very smooth transaction. Will find some more.
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. […]
GREAT JOB TEAM
Arnold and Becky were doing a great job ! Especially Arnold keep me poster on the loan process on every steps. I am so glad that he is my loan officer and will do more business with Civic Financial Services […]
Fast close, easy to work with 🙂
I was really appreciative of the follow up, attention to detail and consultation from the loan officer, Ryder Byrne. I especially liked the programs and speed of which the transaction was funded
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
Great fast service
The Civic team makes my deals close seamlessly! There commitment to going above and beyond is what set them apart. Jackie and Becky Are awesome !!! I really appreciate your outstanding lever of customer service. If your goal is to […]
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
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!
Mark was easy to work with, timely and a no-hassle experience over all
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
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.
Once the file gets to loan docs and back to funding, loan funds right away. .
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
Tough loan – good job getting it closed
Very quick and efficient.
Matt is the best. He’s by FAR the most professional and conscientious person I’ve had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!
Excellent AAA service by Account Rep!
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Great communication, Quick close
Extremely professional and fast. Nobody is sitting around at that company they are moving
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
Very easy to work with. Responsive and quick.
Rates are low, I also like the Home Depot discount
Very professional, transparent, smooth process, and a quick closing. Delivered as promised!
Great, fast, reliable service
KB really gives a personal touch. He makes you feel completely comfortable throughout the entire process. He is also very present when I have a question or need something. I would highly recommended Civic to friends and colleagues based off […]
The process of working with Civic was easy, fast, and much appreciated.
Easy and quick process
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 […]
Ivan Oberon was great and make the process quick and easy
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
Nick Flowers did an awesome job. Well done!
I had a great experience closing my first deal with Civic. My account manager is fantastic. He has been nothing but responsive, professional, and easy to communicate with. We were able to close quickly and I am anticipating on doing […]
I would recommend them to anyone
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Loan process went smooth for the quick close
Enjoyable to work with. Kept me informed on the progress
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 […]
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 […]
Great Rates and exceptional service
We gave Jack and team a 10 day window to turn around a refinance on one of our properties. It came down to the wire, but they made sure it got done.
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
Chris and his team makes the funding process so easy
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 […]
Always good fast with great communications. Quick closings, great service
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
Quick hands on service. Response time from Matt almost immediate. Exceptional service
Will and the whole team did a great job on this rush file!
Viet communicated every step of the way and kept everything running smoothly.
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
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 […]
Great job ! Great service !!👍🏼
Efficient lending. Team works closely together
Matt is the best
Dear CIVIC team, Your team worked hard and efficiently to make the deal go through. Eric Weidner was excellent in communication, help and support. He was in every step of the loan process, provided lots of support and guidance, made […]
Randi is responsive and reasonable
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. […]
Because I love my rep and processor!
Jackie Gonzalez was incredible. Patrick Morgan put us in touch with her immediately the day we reached out and we closed just weeks after. Jackie was on the ball, kept us updated, was super knowledgeable and worked with us the […]
Great experience. Outstanding always!
CIVIC is the best choice if you need to get your loan done fast and easy!
Great lender with overall great products. My account executive Jo Jones is the best!
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future