CIVIC is your local Kirkland 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 Kirkland 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 Kirkland 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 Kirkland.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Kirkland 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 Kirkland private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Kirkland 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 Kirkland 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!
Good to work with and competitive rates
I have worked with numerous lenders and I have to say Matt C. and his team exceed my expectations. Very professional, call/email responses and understanding my needs as investor. I am excited to work with him on more deals in […]
Quick closings-smooth process-great communication
Michael P gave Great service and has great personality with the job
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
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.
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
So many great things about CIVIC
Things have really turned around and there has been more communication making things smoother
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. […]
EXCELLENT SERVICE AND SUPORT
Branch manager Zac Miller was amazing – so easy to work with and I got funded rather quickly
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Great service and rates
Arnold is wonderful and always makes the transactions go super smoooth
The loan company offered its constant support to close the business. They were very open with the information and very quick to solve any discrepancy.
Reliable and Convenience
Great customer service!
Paige is simply the best ! Super professional and helpful . Thank you
Good service, Heidi was great
Will and the whole team did a great job on this rush file!
The whole process is going smoothly.
Easy closing. Great rates
Your entire team has been very helpful and accommodating through the entire process. It’s a breath of fresh air to actually reach out to some one and get the answers/ solutions I need
Highly recommended. They are professional, diligent, and courteous.
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
Quick, easy, knowledgeable.
Matt is very knowledgeable and easy to work with.
Melissa, Michael and Paige were very helpful in assisting me with the deal
Great service as usual
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
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
Very easy transaction, terms quoted in the beginning were the same terms at closing. Very pleased with the service I received from George Jones. Very professional, experienced and excellent communication
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 […]
Civic moved quickly and was very responsive to meeting my needs
Held my hand through the whole process
Excellent company to work with, very fast, no complication, Steven Fisher is the best account executive and very professional
Excellent follow up, and genuine care to get the deal done and help out
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
Marshall is amazing to work with! He took his time with me and walked me through everything, keeping me calm and informed throughout the entire process. I will use CIVIC over and over again.
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
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
Good response time and frontloading of borrower requirements
Customer service was wonderful
Arnold, David & Jenna, are always helpful. They work well together as a team
John is great to work with!
Great experience. Outstanding always!
Mathew Specht, Account Executive, is the Best in the business. As a Broker, I have closed loans with more than 300 different alternative mortgage lenders during the past 20 years. Matthew is the rare AE who not simply a ‘Yes […]
Justin and his team are always a pleasure to work with, professional, timely and always there to support your transactions to the finish line
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.
Fast and reliable! Thank you so much for helping us!
My team and I had had a great experience, The loan closed promptly and went thru just as promised and expected. Matt and his team kept us in the loop the entire process and we never felt left in the […]
It is always a pleasure working with my Civic Team, Arnold, Jenna, and David, they are consistent with their support and always readily available to assist. Thank you!
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
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
The process was simple and fast. Both Jackelyn and Becky were on top of communication by answering emails promptly and any question that we had.
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Brian Fung is exceptionally committed and professional. I called him during the Friday before Christmas to ask some questions on a deal I was considering and I was amazed at the level of service I received from then on through […]
Rance and his team made the entire process very easy.
Quick close, great service from Peter K
Mark was easy to work with, timely and a no-hassle experience over all
Best lending institution I have ever worked with!
James was always on Top of my Closings and easy to Contact
Good, quick, easy 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
Steve was awesome! Thanks so much!
Great work getting difficult transaction closed in a matter of days. Brian and the whole CIVIC team did a great job.
Extremely professional and fast. Nobody is sitting around at that company they are moving
Great financing company!
Easy to work with
I have worked with many private lenders in the past and never, ever have I had the level of communication and customer service as I received and am still receiving from Paul McGann. He made my whole experience so easy […]
Marco and his team are great! They make the process so easy!
Simple , easy , quick loan
Excellent service and experience
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Matt Rabinowitz was fantastic! Since this was my first time securing funding via Civic, I didn’t know what to expect. But, Matt was able to facilitate a cash-out refinance that took less than two weeks from application to having the […]
The Civic team is simply superb!
Good experience with Jack and Michael. Looking forward to another loan
Had the Programs and was easy to talk to to get things done
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
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Thank you Marco and team for making the process so easy
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 […]
Matt and Team were great. Quick response anytime I had a question, truly made the process quick and easy. Great Job!
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 […]
Civic delivers every time!
Excellent service, fast response
Fast Closing and Quick. Great Job Rance! Very Responsive
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
Jacqueline and Rebecca always do a great job for my borrowers
Team went out of the way to make deal work and process is very streamlined
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Overall a good experience. Lots of hard work by Bijan to make this all possible. Great Job!!
Amazing Florida love working with Anthony
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 team over at Civic really go above and beyond to help our clients! With all the changes we go through day to day, their continuous innovations are just what our markets need! Without Civic there would be a large […]
Because Justin and Chelsea were great throughout the entire process, they made sure everything that needed to be done got done and that it was a extremely smooth process
Great services and great staff! The decision to work with Civic has helped me achieve my professional goals.
Very smooth transaction overall
Professionalism and efficiency
I was thrilled at how quick and easy Civic was to work with. We were even able to close early. Thank you Dave Rooker for helping me get this going. I look forward to a long relationship with Civic. Before […]
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Love Anthony he is very professional, perfect fit for my team. He is just the person that is always open to solve and help on every single point when I am been asking for support. Just thankful to Civic for […]
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
Mariam Jasemi is hands down the best AE in the industry
CIVIC has always been an efficient lender, great to work with!
1) Overall Successful Outcome; 2) Justin, Leslie & team = complete support from beginning to end and it was badly needed on my part. . . 3) No one else would listen and give me the chance I needed to […]
Easy to work with
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.
Great service closed on time
Great customer service
Fast service, honest communication, human touch. Michael made my account his priority. Thank you! I look forward to having CIVIC service my second loan
Great rates great service
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
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 […]
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!!!!
Steven Fisher and Corey Fueston are the reason loans get funded. Trained professionals who know how to close loans and always beat the competition. You know when you work with the right Lender when other huge companies are laying off […]
They really do what they say. We needed to close in a short time. They said they were able to do it and they did it. It was a very seamless and stress free experience. Civic is by far the […]
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Always a pleasure to work with!
AE Kevin Victoria is very helpful to work with
Awesome service as always. Jackie and her team are the greatest!
Mike J is top notch.
Civic was always on top of it and communicated their updates at every stage
Bijan is excellent loan officer. He is caring, he is a great sales person, he has great knowledge on loan products. He also goes the extra miles to inform me deals etc. He is very easy to work with and […]
They always keep their promise. Customer support is excellent.
First loan with Civic Financial. Excellent service provided by Eric and Dianabel. Constant communication and updates. Went out of their way to help us resolve 3rd party issue that was delaying our loan. Look forward to working with you guys […]
Dave made this process very easy. His communication was top notch
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Jackie Gonzalez is amazing, she works side to side to help you close on time. Great customer service and she cares. . . I am bless tohave her as our account executive. Thank you.
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
Good help me really good
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. […]
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
I Give Jack Lupo a 10 star rating he is professional and knows his business my clients are very happy with the rate. Any future transaction will be with Civic Financial. They all came to getter to help me with […]
Good communication,easy to work with
Competent, get the job done
Good job Tiffany!! Already gave her another deal in progress.
Anthony made the loan process very easy and quick! This was my second loan with Anthony and won’t be my last! Great service!!
Got it done!Not always easy but we made it across the finish line! Clayton is a very hard worker and will go above and beyond.
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
Amazing lender. Great service. Fast and efficient
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!
Rance and everyone at Civic was great to work with. Very professional, communicated extremely well. They were on top of the process from start to finish. I am looking forward to working with them again in the near future.
Justin, Marisa, and Ally are such a great asset to have behind us. This deal was very unique, and not sure we could’ve gotten it done anywhere else!!
The confidence and professionalism of the company and especially my Account Executive Mr. Matt Marky is exceptional, like no other I have worked with in the business over the last 20 years
Great service and continually updating progress at every stage! Nice guy too! I’m happy with the service I received!
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
Closed on time. Quick response
Because they are awesome! Closed our loan efficiently!
Easy to work with and good Client care! Will be using them again!
Process was very easy and Mark’s expertise made the underwriting process a breeze.
Eli was great to work with!
Brian was very professional , knowledgeable and helpful
Quick turnaround, competitive rates & fees
Chris is the best!!!!!!!
Randi is great. Randi goes beyond and always keeps a good communication
Great experience, constant and fluid communication. A lot of random variables and ambiguity in this transaction, yet it was put together professionally and handled flawlessly by the Civic team.
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
Quick service, great communication, easy process.
Great communication!They were able to do what other Investors could’nt.
I was working with Justin and he is amazing. Very professional.
George is a great partner. Going the extra mile through the process to deliver on time closing
Great work!Do what they say
Excellent service and very responsive.
Great Job! Thank you for all your help!
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
Jacquelyn and her team are tireless at finding solutions and mutual opportunities for our companies to work together. Outstanding experience as usual!
Very reasonable rate, closing the loan quick and I got the amount I wanted. I also got the Home Depot Rapid Pass app
Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within […]
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
Good rates and good communication
It’s always a pleasure working with Civic
Superior andfast service
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
Kendra was great even when we had to re-do everything! Great job!
We love us some Civic!
Randi gave great service very courtesy.
Everything went very smoothly
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 […]
Eli was great, he was very responsive, all Civic staff was also gave me a timely and accurate response, and they were all friendly and professional
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.
Very smooth closing
Civic provide me a great Representative Nat Avendano, a great person to work with, good communication with Broker and Client
Speedy service with prompt responses from AE & processing.
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
Great service and follow through. Have already referred other investors to your company.
Great, Friendly Service
My rep Jennifer was amazing with walking me through my first loan with Civic
Great customer service
Kevin is very professional and a pleasure to work with. Thank you
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
Good follow up! and good follow through
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Michael was amazing, he was there for me every step of the way. He was always available to answer the phone including nights and weekends. Civic does things the right way. Seriously the best