CIVIC is your local Charleston 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 Charleston 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 Charleston 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 Charleston.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Charleston 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 Charleston private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Charleston 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 Charleston 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!
Josh was very professional and never missed a step to our loan making a positive conclusion!
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 […]
Quick execution on complicated transaction, competitive rates, good service
So helpful, easy to work with and fast. Absolutely loved this experience (it is my first ever loan and I’m so grateful for how well this went)
Because they are awesome! Closed our loan efficiently!
Top service and results
I had a great experience with Civic!
Good service, easy to work with
I have done many transactions with Jackelyn and everything has always been smooth. I appreciate her accessibility and fast closing times!
Great people to work with and very quick in moving along the process
First loan experience with Civic, but not first experience with the account rep I worked with. 1:1 say-do ratio, and the right amount of communication – I heard from them when something was needed, but communication was concise and only […]
Could not have asked for a better experience. Thank you Civic. I’ll be more then happy to refer friends or colleague
You have great products
Randi was a pleasure to work with!!
Michael and Monica were awesome
We had a wonderful experience. Customer did not qualify elsewhere. We transferred the loan to Civic and the process was fast and done right. Great experience for borrower as well.
My rep Jennifer was amazing with walking me through my first loan with Civic
My rep (Jackie) and processor (Rebecca) are fantastic!
These guys are the best hassle free and fast
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
GREAT JOB CIVIC
GREAT JOB TEAM
Great communication, great service!
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
Great customer service and easy to get in contact with
You guys rocked! Thank you!
Civic moved quickly and was very responsive to meeting my needs
Mark was always quick to help with anything no matter what time of the day it was.
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Because you guys do everything possible to get our deals closed!
Manny and Jose did a great job making it happen for our Client.
Civic did it again! One more happy customer.
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
Easy to work with through entire process
Friendly service and speedy closing
Best lending and closing experience! Will be doing future business!
First time client, 10 day close, immediate funding after I signed – service was excellent!
Because you worked with us all the way until we closed providing all the support we needed
Great communication. On time and great follow up
Quick and Easy! Peter was the bomb. com!
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
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 […]
Rock team of ladies!
Broker was very helpful – underwriters were very careful and methodical and made sure that all of the specifics regarding my property and loan were accurate
Turned around my funding request pretty quickly. Easy to work with. Good rates. Have already recommended you to another investor
Chris Lushina and his team provided exceptional service on a tight closing schedule. They really went above and beyond!
John and Jenna were very easy to deal with and did a great job keeping in touch with me on any updates. Thanks for your business!
Closing went smoothly and Eli did a great job keeping things on track
Everyone at Civic is on the ball. My file moves quickly, everyone is responsive and communicates well and funding occurs very fast once all conditions are met.
Chris was a pleasure to work with. He got the job done quickly and efficiently
This was now our second deal with Jack Lupo and both have closed without issues. We look forward to continuing to bring a block of our business to Civic in the near future.
The experience I had with CIVIC was much more pleasant than Patch of Land, they are able to close on time and does not deviate from the terms that they quote
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
Wade is a tremendous asset
Great service and customer service
Reliable & friendly service
Martin Pacheco gave me the best customer service I have ever experienced. He knew my situation and was very transparent in how I could be help! A ton of value from Martin!!!!!
Great job Melissa and team I am very pleased with such great service and amazing customer care Melissa and her team been providing me Thank you
Working with Brian, Gabby and Teresa is awesome! They are great at communicating and keeping me posted and move expeditiously through the process. I hope to do another deal soon!
Outstanding Service from Brian Fung & Gabriela
Jaqueline is the best account executive I have work with, great support great program amauzing results
Davis provided accurate and professional information/service and communicated with me throughout the entire process
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
Excellent support service.
Very professional and fast to respond
Excellent pricing structures and low fees
Thanks for the promptness of Rance Brown got my refinance cash out on investment property. The whole process went easy and quickly . Application to closing was much quicker than I anticipated. I am more than satisfied with my experience […]
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
4th transaction (this year) with the AMAZING team over at Civic and YES!!!!. . . . another quality experience with these professionals! Mid Civic rolling out a new loan product that I wanted to take advantage of, on top of […]
Civic closed on time with no surprises. I recommend their services.
Matt is the best to work with!
The staff are amazing to work with! So, friendly and helpful. The process was absolutely painless, fast, and the rates are very competitive!
Great service closed on time
Excellent service as always
Civic Financial Services does a good job processing loans for us. Their pricing is fair and they close quickly. I’ve closed many loans with Jackie Gonzalez
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
Easy to work with
Buyers are Very Happy!! And will definitely do business again!!
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 […]
Matt took my file last minute after another lender changed their LTV on me while in escrow, and made it happen on time! He promised me he would get it done, and he did. As a broker, I get promised […]
This is our second refinancing and as always, Jackelyn has shown her professionalism throughout to make sure the closing is smooth.
Good response time and frontloading of borrower requirements
Excellent follow up and teamwork to get the loan closed
very professional and easy to work with
Ben and team have been great! Thank you
Great personal attention!Civic (and Randi) do what they say!!!
Great communication. Arnold is Awesome
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 customer service
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
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!
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!
Great loan structure
Fast friendly knowledgeable…
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 […]
Chris is the best!!!!!!!
Efficient, transparent and forthcoming.
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
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. […]
Communication and turn time!
Brian was outstanding through out the complete loan process. He was in constant communication and always available
Awesome team to work with!
Rates are low, I also like the Home Depot discount
Excellent to work with!
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
Nate Wolosiewicz was outstanding. Got my loan closed with great rates in record time!
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
Loved the team Eli, Vic and KAILYN, they made it happen!
Great customer service provided by Trevor Niemann!
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
5 star service
Good rates and good communication
Everyone has been very accommodating and helpful throughout this process. To be able to have direct lines of contact to communicate freely and accurately has been invaluable. Kendra, Justin, Leslie, Kailyn, Jennifer and the rest of the Civic Team are […]
Great service, very responsive and supportive throughout process
Acct Rep was outstanding
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Chris Rosas, David Levine, and team did a wonderful job for me and my client. I’m thankful to have them as a resource.
Ivan did a outstanding job. Very satisfied
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
Fastest closing I ever had with no hassles
They always keep their promise. Customer support is excellent.
Amazing lender. Great service. Fast and efficient
The Process is extremely Easy !
They were great to work with as always
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
The process was very easy. Having spoken with Brian on the phone many times he made it very easy and set us up with an Originate link for my buyer to apply. Then the warm handoff to his team made […]
Excellent service and speedy closing
Working with Jack Lupo has been a great experience. He’s been nothing but awesome with knowledge, understanding and patience. I look forward to building a relationship with him and the rest of the CIVIC team. Mahalo!!
Very good at communication and staying on track
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 […]
Working with Civic is great. My AE Justin Segal and his team are awesome. They push and get stuff done fast. They reply within minutes to every email / text or call. Their construction loan programs are awesome. I recommend […]
We had to close in a very short period and Civic and Justin Segal pulled out the stops to make it happen. We closed on time and we are already renovating the property. The terms are competitive and with Great […]
Thank you Marco and team for making the process so easy
The contract to close was efficient. My buyer changed lenders a week into the process, which put the process a little bit behind, but we got it done. Some of the communication was misunderstood and the cash to close was […]
It was awesome to work with Cristian Gonzales, he made everything so easy for me… he was very knowledgeable about the whole deal… I would definitely recommend him
Chris and his team did as they said with efficiency and courtesy
We just took a loan for the first time to buy property, and Civic Financial Services did a fantastic Job in providing the loan for us on a timely manner. William was very patient and didn’t push us to take […]
This Guy is Awesome! And Amazing to work with! Not to bad on the eyes either! lol Respect his input, integrity , and professional. . . I hope he gets promoted but then again I don’t, because we need him […]
The process is always smooth. My account executive Jackelyn Gonzalez is amazing!
Good follow up! and good follow through
Working with Dan was very pleasant. His process is streamlined and straightforward. He was responsive to all my questions and concerns when I was unsure of the lending process. I would highly recommend Dan Molina and the team at Civic. […]
This was my third transaction and all prior ones have gone very smoothly
Chris Rosas and David Levine are just a dream to work with. Efficient, helpful and extremely professional. Thanks guys.
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
Great experience. Closed fast and very professional. Ryder Byrne as our account manager was very easy to work with
They were the only intelligent lender to get my deal done!! Thank you!
Great experience with Daniel and his team at CIVIC!
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
Civic is very user friendly and fast….so far I am very happy working with them
Great company, they work fast and do as they say!
CIVIC has always been an efficient lender, great to work with!
Very supportive and quick close. Arnold is great to work with
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 […]
Quick hands on service. Response time from Matt almost immediate. Exceptional service
Great on meeting deadlines!
Professionalism and efficiency
Very quick and efficient
Second time customer, excellent service and loan teams!
Great prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
Great service! Easy to work with and they get the job done quickly
Marshall was very persistent and helpful. Always on top of everything. Good job!
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
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.
The loan closed on time
It’s always a pleasure working with Civic
Working with Steve, Corey, and Chelsea is great.
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
From the moment I inquired about their loan products and up to the closing of my first brokered loan, Jack and Vanessa have been very helpful. I was impressed with the service and will recommend them to my colleagues for […]
The Civic team was very helpful throughout the loan process
Service was beyond perfect Mark, Corey and Monica are a great team!
First Impression was-wonderful. It’s my first time with Civic Financial Services and Cristian. Cristian was very professional, helpful and prompt. The process was smooth and he was always keeping me inform 24hours! I hope more business to come with Civic […]
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Justin did a good job
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
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Very knowledgeable people
Matt was very responsive throughout our multi property refinance. He and his team did an excellent job of communicating hurdles and checkpoints as we progressed through the process. They also offer investor friendly loan products that are difficult to find […]
Civic team were very professional & meet their committed dates
Worked through everything. Very helpful and informative
I was impressed from start to finish by the execution and dedication from my team at Civic. Marisa and Marshall consistently provided fast updates and made me feel like we were always a few steps ahead in the loan process. […]
Even with a tight schedule and demanding deadlines they came through on time the way they said they would
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
If you have a loan that fits their box. They are extremely good.
Jacqueline and Rebecca always do a great job for my borrowers
Randi is great. Randi goes beyond and always keeps a good communication
Chris is the best!
Everything was professional. My deadline was foremost in their efforts. The terms were as discussed with no surprises
Fast approved, available all the time day and night.
Excellent service and quick response to questions
This company is easy to work with Nate took great care of us
Very responsive. On top of things. Great communication with insurance agent, escrow
Awesome team. Works so hard!
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
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 […]
Working with Trevor & Kailyn was great! They made things easy for me.
From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.
Chris was amazing. .
Excellent!! Quick and Simple
Awesome transaction! Jo is the best!
Working with Josh Levine was great! The online platform is easy to follow and the process and communication exceeded my expectations. Great working with Civic!