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!
This is our third hard money lender and the closing was so smooth. Thank you!
5th flip this year and 5th loan with Civic, the relationship strengthens and the profits keep rolling! Very two way profitable relationship!
Because they are awesome! Closed our loan efficiently!
I applied for a loan with Civic Financial and I did not know what to expect because I was in another state. Taylor Contreras assisted me throughout the process and I can’t say enough about how wonderful and personable and […]
Randi Lauren is AMAZING! Great communication and follow-through with Civic’s ability to close deals – thank you!
LOVE working with Whit and Vanessa, they are the best! always on top of their game.
I’ve been using Civic financial for over two years now and Will Dodson is one of my favorite Account executive’s of all time. . . . . he’s courteous , knowledgeable and get things done on time. I would highly […]
This is my second time using civic services. I can truly say that my experience has gotten even better. They did not slack on taking care of me and giving me great service, attention, professionalism, and there time. Most companies […]
Dependable patient attitudes, this was a complicated purchase, they marched on with everybody seeking the only option, success!!
Honest, quick to respond, open to options, openly looking for better options of funding to fit the situation. Great lady to speak with. Checked up on my progress throughout the process. Thank you!
Excellent service from entire Civic staff helped to close this loan. This was a very complex loan, it had more hair on it than a polar bear. Thank you Civic
Excellent communication, timely responses, clear cut terms, and they were able to meet my needs
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Great customer service
Arnold is a true professional that I would not hesitate to recommend him.
Great communication, execution, and follow through
Great customer service!
Joe Zaniboni and the Civic team have been extremely helpful and quick! They make the process painless and easy. Highly recommend!
Excellent service from Beginning to end
Mariam was on top of the file and understood the important factors of the transaction. She represented the process in an understandable way and managed expectations accordingly. She overcame the hurdles of the transaction like a Olympic hurdling athlete : […]
Marco Castaneda is one of the best wholesales I have had in 18 years in the business. Very responsive and knows his programs inside and out. They are getting a lot more of my business because of Marco.
Civic closed on time with no surprises. I recommend their services.
The interest rate is good. Employees are professional. Worked with Nathan; he is just awesome. The closing process is streamlined and very simple
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
The team over at Civic is Awesome!
The representative, Jack Robinson was great to work with. As needed he was very present in the process and could get answers and not excuses. I have been in finance and accounting since 1977 and he is a good representative […]
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!!
Working with Jacquelyn Boyles just made things easy
Easy close from start to finish. Jacquelyn and Dianabel were responsive and made sure everything was ready to go for our closing (which had a very short closing period). Wouldn’t hesitate to use them again.
Fast and efficient loan process and closing
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!
Having a lead person such as Justin that makes himself available at all times is a testament to great service. I am so happy with how well Civic carefully selected Justin’s team (Chelsea and Heidi) to support me and my […]
Everyone worked very diligently, very happy
Great experience with Eli Marcus
Great experience with Daniel and his team at CIVIC!
Working with George through the process great because he was available all the time
Overall experience was excellent. Loan officer was very knowledgeable about loan products and processing/underwriting procedures. Loan processor was efficient, effective and easy to work with.
Civic team were very professional & meet their committed dates
Awesome services, they are very professional
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
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 […]
Reasonable rates and no delays in closing
Talar was quick to respond to any questions I had and she and her team completed the transaction with efficiency and professionalism
Easy to work with and with a good attitude
Woot woot! Woot woot!
This is a great team to work with
Great service and seamless experience. I consider Jason and Aly my friends
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Audre torgeson helped me a lot!
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
Great communication. On time and great follow up
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 […]
Nate, really help me take my business to a whole new level. I look forward to working with you guys more down the line
Exceptional professionalism, attention to detail, and expediency!
They work diligently and after hours to process the loan
Because of the amazing team I work with.
Davis Bennett from Civic financial worked very quickly to get my deal funded. I needed to close within 20 days and he made it possible. He returned all my calls and text messages promptly. He even followed up after closing […]
Todd, our rep, kicks ass!
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 […]
Excellent. I would recommend to anyone.
First time client, 10 day close, immediate funding after I signed – service was excellent!
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.
Jackelyn Gonzalez is the MVP in my team. She went far and beyond. I cannot say anything other than Jackelyn Gonzalez was heaven sent. Thank you Jackie. Many many thanks, and many more to come. Very professional, courteous, patient and […]
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
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. […]
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Super fast turnaround.
Great cuatimer service. AE just great . transaction was closed . customer was happy
Chris Lushina is great and always goes the extra mile
Simple , easy , quick loan
Peter, my Rep, is Par Excellent. Peter literally worked multiple weekends to ensure our deals funded as promised.
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Working with people you trust makes all the difference
Very quick and efficient.
My broker Mr James Hatcher was very helpful and knowledgeable and he did the entire process in a very short time as he told me before we started the loan application. I’m very satisfied with his services!!! Outstanding!!!
I appreciate the fact that you believed in me and my dream, you gave me a chance when others did not. I will be doing more business with civic going forward that’s a guarantee!!
Peter K was extraordinary in the loan process. Thank you for all you did for us during our securing a great property
Matthew was extremely knowledgeable and made sure that everything went smoothly
The Process was fast!
My loan was processed in this Corona virus crisis , and unlike my expectation they handled properly
Always great service
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
Jack and his team are awesome. Constant communication throughout the entire process and no surprises
Brian was great to work with. No big surprises and they came through faced with a tight timeframe to close the loan.
Very professional and fast to respond
Service. . Says it all. .
Fantastic Company! Great working with Jack!
Civic was very responsive and worked quickly to fund my project
Justin is extremely professional, kind and easy to work with
The service by Wade LaRouche was extremely professional. He gave diligent answers to all questions and made himself ever available. He and Teresa Esquivel went above and beyond to make my deal happen
Competent, get the job done
Fast close, easy to work with 🙂
Justin Cohen is a true professional. Someone who says what he does and does what he says! I have had a number of years dealing with Account Executives and I can honestly say he rates at the top of the […]
Very supportive and quick close. Arnold is great to work with
Nick was great and very helpful. Communication was excellent and he was on top of the process every step of the way.
Dave and his team always makes it easy
Always a pleasure to work with Civic. Vanessa and Whit have always made sure to go the extra mile to both tailoring loans and understanding of borrower’s situations in addition to completing and clearing loans quickly and accurately. Would recommend […]
Fast loan program Ryder is great and very professional; so happy for the application experience
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Good service, easy to work with
Because your services are awesome
1st experience with this firm. I’m creating value while risks lie with you. Awesome loan rep! You rock!
The team works together to get the loan done!!
Always the best service- thank you Civic! Keep it going!
Completed refi seamless and communication was completed in a timely.
Excellent people to deal with. All around great experience. Highly recommend
Great experience. Very happy with my experience
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Will and the whole team did a great job on this rush file!
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!
Great lender, easy to work with and fund fast!
Great customer service provided by Trevor Niemann!
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
James was always on Top of my Closings and easy to Contact
Matt is very knowledgeable and easy to work with.
Appreciate that there was ultimate follow through on getting the deal closed
Always a good experience.
Very easy to work with.
Cristian Gonzales. He is 100% the reason for my 10/10 rating. Not only did he get it done super fast, he was a ton of fun to work with. Give the man a raise! 🙂
Matt was outstanding ! A true professional ! A first class experience !
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 […]
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 […]
Working with Chris and his team was a pleasure. They were dedicated to service to their clients and will walk you through the process to make sure you are comfortable and you get the necessary funds to complete your project. […]
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
Outstanding service time and time again. Reliable, Honest and dependable place to do business. Great team, great people provide great service
I had a great experience with Civic, excellent service
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
The service went beyond expectations, always excellent and professional
You Guys Rock – and fill a nice niche
Great experience working with civic
For the second time Civic exceeded my expectations. They are able to get everything done quickly, efficiently and professionally which makes the entire process smooth and my life much easier! No doubt I’ll be back.
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.
Melissa is very professional. It was a very easy deal again.
Paige is simply the best ! Super professional and helpful . Thank you
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
Quick close and an easy process
Amazing Florida love working with Anthony
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
Great communication!They were able to do what other Investors could’nt.
Always able to contact and very helpful with paper work.
It’salways a pleasureto work with Civic Financial !
Excellent service. Very responsive
My first closed deal with Civic and loved the process! My rep Jackie Gonzalez was awesome and my processor Rebecca Potter was equally amazing and helpful! I’m excited to close many more deals with Civic and Jackie and Rebecca! Thank […]
The process is easy, Civic seems committed to serve clients through the current pandemic and Mark Liker is extremely easy to work with
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 […]
Good follow up! and good follow through
Great Work! Civic was on time and very easy to contact
Great customer services and great help with process
Best company I’ve ever worked with.
Very responsive, competative rates, smooth closing
Great terms, easy to work with
Marco and his team are great! They make the process so easy!
Kendra and Leslie are awesome, attentive, and a pleasure to work with!
Ease of transaction. Justin was available to take my calls even while on vacation
Viet communicated every step of the way and kept everything running smoothly.
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
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 […]
Easy to work with, no bs, quick closing
Great Experience. Matt was very attentive and ensured he was a part of the entire process from beginning to end, as well as keeping the communication lines open
The team is quick to respond and easy to work with
Rance and his team has helped us through our loan process in such a professional manner. Rance has really made the process smooth and stress free. He was always available for questions and provided good customer service. We will definitely […]
Anthony has been extremely helpful and accessible through the whole process.
Justin Cohen and Civic Financial Services made the process very smooth. I would recommend both to anyone who is looking for a great lender.
Always a pleasure working with this amazing team!
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
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
My account management team is really awesome. Always willing to help and respond quickly which is vital in the real estate realm where you need responses quickly or you have the potential to lose out on a deal
They live up to their word.
Highly recommended, special thanks to Anthony Van Eaton’s team! Great service and prompt response time to everything! Thank you Anthony, Jose and Marisa
Great job! Another deal done
Extremely professional and fast. Nobody is sitting around at that company they are moving
CIVIC was able to fund my deal quickly and gave me a great rate during unprecedented times. Marshal and Paige were friendly, efficient and helpful throughout the whole transaction. I will use them again and again for my projects.
Matt and Corey made sure we ready to close the loan ontime. They were the best
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
My loan officer Audre been working really hard to help us, she gave us all the info & update! Thank you
Loan process and closing were very smooth!
Everyone always stays on top of the deal & being as transparent as possible. Always letting all parties know where we stand for closing.
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!
The loan process was quick and the fee’s are reasonable.
John was a big help
Peter was great to work with. Extremely communicative, quick to respond, friendly, knowledgeable, and ultimately offered great rates and helped us to secure a great fix and flip project in West LA!
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Always straight forward with the process. All parties involved are aware of the situation. When items are needed, they move right on it.
Michael was the man
Civic has a great process and are fair
Love the communication, quick response and friendly advisors
Justin was quick and available for questions I had at any time throughout the week. That was a big one for me since I like to work quickly and figure out problems as soon as they arise! Thanks again for […]
The variety of programs. The consistency in underwriting. And the speed and accuracy that you start and close the loans. Lastly, my representative Marshall Jones is prompt, accurate, and thorough
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 […]
Amazing team to work with!
Great service and great people!
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
I believe that the personable relationship with my particular broker, Brian Fung, made the difference. The interest rate, terms, and points for closing were competitive. They expedited the loan with speed and consistency
Anthony and his team were excellent to work will. I look forward to more transactions in the future
Easy and transparent to work with!
Brian was great it was easy fast and non worrisome