CIVIC is your local San Jose 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 San Jose 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 San Jose 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 San Jose.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to San Jose 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 San Jose private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. San Jose 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 San Jose 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!
Another speedy closing.
very professional, prompt, seamless, and prompt closing
Working with Jacquelyn Boyles just made things easy
Chris is the best!
Great communication. Arnold is Awesome
Great experience. Very happy with my experience
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Brian Fung provides excellent customer service from the beginning to the end. He made himself available to me at all times and if he was not available he responded within minutes to let me know he would be back with […]
Mr. Cohen provided me with superior prompt service and I look forward to working with this company again in the near future.
Every one on the team had to put their best foot forward to close this transaction and no one gave up, it was extremely challenging. We all stayed the course and closed. David, Arnold, and Jenna are excellent to work […]
Timing is very good and the support is just amazing. We are working with Anthony as he is very committed on his work
Awesome service provided
Civic performs and Jack is awesome
Rance Brown gets the job done. 5 stars.
Because I have an awesome rep!
Very smooth transaction. Closed loan within 10 days.
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.
Great service as always
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Past business experience with Civic
I really enjoyed working with Randi. She was available and took the time to explain the process to me, as this was my first time working with Civic
We have a great team with Jack, Aly and Michael. They are always on top of our customers
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 […]
Speed, communication and aggressive products.
Jack Robinson is the BEST!!Huge asset to Civic Financial Services!
Thank you for all your cooperation!
Rance was very helpful throughout the whole process. Great service
Melissa is the best!
Anthony and his team were excellent to work will. I look forward to more transactions in the future
My AE Jacquelyn and her team moved quickly and diligently to deliver a great product for my client. Every transaction has hiccups, however because they proactively communicated underwriting status and requirements, the entire process was stress free.
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
I received excellent service and a speedy closing hassle free
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
Prompt and friendly service
Jacquelyn is awesome!!!
Loved the team Eli, Vic and KAILYN, they made it happen!
The Civic team is simply superb!
Eli was great, he was very responsive, all staff also gave timely responses, and friendly staff
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
Rance and team were AWESOME start to finish!! Not only completing transaction as stated, but along the way answering any and all questions i had as this was my first time using Civic
Very professional team, Daniel is very responsive and closed quickly.
Michael and Monica were awesome
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
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
Thank you for your assistance
Marco and his team are so great to work with! Make the loan process easy and quick
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
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. […]
Greatly enjoyed every step with Savannah. She was quick, welcoming & happily took care of everything I needed! Wish every business transaction was as smooth & professional. Needed money fast to secure a home & Civic got it done. Thank […]
Quick close great communication.
I have worked with Jack Lupo and his team on other loans and they are GREAT to work with. Always there to help get the job done. Thanks, Jack and Team
Acct Rep was outstanding
I been brokering HML loan for 5 years now, definitely the best service I’ve received in a long time. Definitely will be doing a lot of business.
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Good response time and frontloading of borrower requirements
Jackelyn provides very good professional services and it would be different without her.
Had the Programs and was easy to talk to to get things done
Good service, easy to work with
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
Honest, fast and delivered every promise. Great communication.
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
I have worked with Civic Financial Services on few transactions and they are the best to work with when it comes to private deals. Very professional and responsive. They have always exceeded expectations for me and my team. We will […]
Very smooth closing
The process is always smooth. My account executive Jackelyn Gonzalez is amazing!
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again […]
Really, it is the person I work with that makes Civic so worthwhile. Wade LaRouche was right there for me all the way through a couple of transactions that required diligence and hard work
Very smooth transaction! Got my docs very quickly after all conditions were in and reviewed
Brian was great it was easy fast and non worrisome
Civic moved quickly and was very responsive to meeting my needs
Ben and Vanessa were amazing to work with. Both very quickly to respond to any questions and provided superior service
Civic Financial is easy and very professional to work with!
Civic Financial through Kendra Rommel and her assistant Leslie Grant, worked fast and were always on top of things. They made sure to keep us updated on whatever step was next. They delivered on what they promised and we got […]
Quick response from account manager and responsive processing team which lead to a fairly quick close
Another successful closing with Civic. We had a short closing time frame and they came through for us.
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
They were great to work with as always
Fast communication, streamlined process
Great Rates and exceptional service
Great, reliable, speedy service
Very smooth closing
Thank you Matt and David for everything. On to the next one!
You Guys Rock – and fill a nice niche
5 star service
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
My broker Eli Marcus made the transaction very smooth and easy to work! Excellent experience!
Smooth and seamless transaction. Will be using them again soon!
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
AE Kevin Victoria is very helpful to work with
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
Outstanding Service from Brian Fung & Gabriela
Great, fast, reliable service
Josh Levine was super!! He knows his stuff and is very diligent. . .
Arnold is beyond amazing – making this a very painless process – as an experienced investor i can’t find a better option than Civic- 5 stars
Mike J is top notch.
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
Excellent work, especially from Eli. He is a great support for business. Thank you
Very helpful, friendly staff, good communication, great tastes and quick closing!
We had a difficult deal and were able to get it done
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.
Anthony was great in the process
Always able to contact and very helpful with paper work.
I have worked with Melissa on Closing a few properties now. She is great and always on top of everything needed from title and is very professional to work with!
Mark was easy to work with, timely and a no-hassle experience over all
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
Great working with Eric, always on it
great working with John
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
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
Excellent service; always return my calls; happy with the team
Great Company TO WORK WITH!
Excellent service as always
Excellent AAA service by Account Rep!
I’m not a large volume brokerage, but I get treated like one. Everyone is very responsive and turn times are quick. I wish I had more deals to send you guys!
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
I would recommendCivic Financial to anyone
Civic is a pleasure to work with, they handled every aspect of my clients loan with the utmost professionalism and demonstrated flexibility in working to get the deal done. I will certainly be using them for upcoming loan transactions!
Jackie is on point, quick to respond and a pleasure to work with. . . if you want a fast closing – better call Jackie!
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 […]
Marco is a STUD. Hands down he gets the job done
Ben and team were very helpful and supportive
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Great service quick close rates very competitive-great communication
Melissa and her team are amazing and great to work with always go to extra mile to help and resolve issues I am very pleased with amazing service and being treated as the most important customer. . Thank You
The customer service was great
Quick execution on complicated transaction, competitive rates, good service
Jack Robinson kept us informed throughout the process and always made himself available when we needed his help!!!
Competent, get the job done
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!!
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
From day 1 service has been excellent. So often in this industry terms and fees are changed for the worse, not with her. I would not hesitate to recommend Savannah (Civic Financial) to anyone that is looking for a hard […]
Very easy to work with!
Jennifer was very attentive to all my questions and concerns. Great follow up. On our recent Purchase borrower wanted to go with a competitor but Jennifer responded extremely well that Civic would exceed all expectations and you did. My borrower […]
Great company to work with.
Knowledgeable staff and good service
A++++ Great lender and great service. Super fast response times to all phone calls and emails. Easy to work with. They did everything they said they would do. I can trust them with my clients and I will be sending […]
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 […]
Fast speed! Nate was extremely helpful
Friendly service and speedy closing
Civic provide me a great Representative Nat Avendano, a great person to work with, good communication with Broker and Client
Process was explained thoroughly. Expectations were exceeded. Customer service was top notch. Constant updates. Very happy all around
Excellent service! Very impressed with Eli’s professional service.
Matt is great
Thank you Marco and team for making the process so easy
Easy to work with, happy to educate on the process and genuinely interested in helping us succeed, Paul McGann and the CIVIC team offered a refreshingly positive experience in financing our purchase
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Rance Brown and Rebecca Porter were excellent and responsive to work with.
Quick service, great communication, easy process.
Quick, easy, knowledgeable.
It was a pleasure working with both Civic and Cristian Gonzales. They made the transaction easy, smooth and fast. Despite having significant back and forth with the seller. As a hard money lender they will be my go to lenders. […]
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Randi is great. Randi goes beyond and always keeps a good communication
Melissa was very helpful, she kept me updated all the time, and made it happen for me
With Jack Lupo, Aly Howard and Michael Hoyt we make a great team. They are the best to work with
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 […]
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
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.
Good experience with Jack and Michael. Looking forward to another loan
Good manager / employees
Great experience and everyone was very professional
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!!!!
Good to work with and competitive rates
Great communication and customer service.
Justin Harrisson and Leslie Grant worked hard with me. [This was 5th real estate closing]
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.
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
The loan application process went smoothly and easily. Marian and the rest of your team were extremely helpful with all of the questions I had. I would be happy to work with her again
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
Matthew is the best person to work with
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
Great company, they work fast and do as they say!
Jack Robinson and Team, was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised. We have closed 12 in a period of 5 months.
Great service, very responsive and delivers, love working with Brian
Brian was great to work with. No big surprises and they came through faced with a tight timeframe to close the loan.
Justin was great to work with and helped me push this through so fast. Great person!!!
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 […]
GREAT JOB CIVIC
Jack is our rep and he is awesome!
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 […]
Eddie is 1st class and always professional & really helpful. And my closing agent said she had a very enjoyable experience with your entire team. Please pass on my sincere thanks to each of them
Rock team of ladies!
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
Marco is a fantastic A. E.! Corey is a great AM! I couldn’t be happier with our experience on our Dunn file. It has been some time since I funded a file with Civic and this was the quickest and […]
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
Enjoyable to work with. Kept me informed on the progress
Fast service, excellent team
Civic was able to quickly get us financed so that we could move on a house
Very quick to respond and close loans; Efficient process
The whole process is going smoothly.
GREAT JOB TEAM
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Always good to work with Jackelyn and Rebecca.
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
Full support and communication from Melissa, Michael and Paige
Loved the team of Eli, Vic and KAILYN. They made it happen!
Matthew’s service was honest, thorough, and efficient from beginning to end. He made myself and my business partner completely comfortable throughout the entire process. I loved that he was always available, although we are on two opposite sides of the […]
I highly recommend Civic!