CIVIC is your local Spokane 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 Spokane 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 Spokane 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 Spokane.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Spokane 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 Spokane private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Spokane 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 Spokane 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!
Brian was very professional , knowledgeable and helpful
Good service, easy to work with
Best lending and closing experience! Will be doing future business!
Great job closing the transaction on time.
Ms. Lauren was diligent and professional in handing my home refinance from the beginning to end. I commend her and also her team for that.
I have had an exceptional experience with Civic Financial. Peter Kraemer has been super helpful and patient. He has spent time helping me outside of his normal work hours. Peter is definitely an asset to your organization
Melissa and herteam great to work with Thank you
Great service, product knowledge and execution. .
Civic was very good to work with. Recommend them to all looking for investment needs.
Once you set up the file, clear conditions. Fast easy efficient closing. Will use them again. Thank you Justin
Tedd G. is the greatest. Extremely knowledgeable, helpful, and for a person as busy as he must be he is consistently very prompt in responding to calls, emails, etc.
Responsive team lead by Brian Fung
This was my 3rd transaction with CIVIC this year and I had full trust, as usual, that all was being taken care of during my busiest months of the year!! Truly a 5 Star service run by true professionals!!!
Awesome team. Works so hard!
EXCELLENT SERVICE AND SUPORT
Rance and his team do an excellent job keeping me informed about the process of my loans. He is always there to address any concerns or questions I may have
Excellent Service, working with Eric & Diana was a pleasure
Chris is the best!
It was a pleasure working with Rance, Rebecca and Jeremy. I hope I can work with them in the future. I have already told a few clients
Civic is consistently on point and always follows through. Marshall and the team he works with are easy to reach and thorough which enables them to close quickly as promised
Great loan structure
Thank you . Jack . Very professional.
Level of customer service was excellent
Great communication and customer service.
Great to deal with for the 2nd time
Audre and Kathy were great to work with!
Great work getting difficult transaction closed in a matter of days. Brian and the whole CIVIC team did a great job.
Extremely easy to work with and Michael seems to really care about getting the deal done
The team comes through every time!
Exceptional professionalism, attention to detail, and expediency!
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
The process is so smooth and Ivan and the team are great to work with
We have an amazing loan rep there!
Will promised up front he preformed on it, we have 20 years in the business so this is not are first time. . . thank u Civic
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
Chris was professional and communicated clearly and quickly at every step of the process
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
It’salways a pleasureto work with Civic Financial !
I was very impressed with Matthew’s professionalism from day one. I appreciated my reps patience and attention to details even more as the process continued
Peter has gone above and beyond to make sure that us as the customers are taken care off. . Return emails, phone calls, and texts in a very timely manner at the same time keeping us updated on how the […]
Reputation, Rates, and Service
Very good at communication and staying on track
Wade is excellent!!! He willing to help and tomotivate!!!! He is a true blessing and asset to your company. Because of his positive WORDS it builds confidence!!! After talking on the phone with WADE HE ALWAYS LEAVE OFF WITH “YOU […]
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!
I felt very comfortable using Civic Financial as a hard money lender. There were no hidden costs and everything was kept up front. Rance Brown was an excellent account representative and was always available to answer questions. I would not […]
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
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
Great deal . Amazing job
Previously worked with the Account executive in the past and was excited to know that she was going to be employed with Civic. She always strives to go over and beyond to help others
Michael was the man
Great communication with my rep Nate
Fast and Furious! Great job. Very very satisfied with service. Highly recommended
Great service, smooth and quick transaction
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
Very knowledgeable people
Civic team were very professional & meet their committed dates
Excellent pricing structures and low fees
Rance has been wonderful. He’s very responsive and has a quick turn around on things!
8th loan in 12 months done in a record 11 days. Our guy Brian came through for us, we wish him many coloring sessions for the grey hairs we give him. NOT! just two minuscule conditions from Kailyn and ZERO […]
Todd’s team was great to work with, always a quick response to any issues, and I really appreciate their “can do” attitude. Truly a pleasure to work with!
Brian was very professional and efficient. They delivered on their promise. Brian and his staff kept the communication lines open and kept us informed
Great working with John is always available and knows what he is talking about
Melissa, Michael and Paige were very helpful in assisting me with the deal
Process was very easy and Mark’s expertise made the underwriting process a breeze.
Great company! They worked hard and made sure everything go smoothly. Marisa, Jose and Dan all did a great job this time. We are very pleased! Thank you all for the hard work. We look forward to work with them […]
Very good service. I especially appreciated the help from my account executive Michael
Brian and Kailyn were awesome, always available to answer any questions even during off hours. The whole team at Civic is great making our transactions quick and seemless
Rance was amazing. . . I had a difficult project and he went out of his way to get the refinance completed!His hard work will end up saving me a lot of money!
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 […]
We have the opportunity to be served by Davis Bennett who from the first conversation brought clarity to the experience. He asked the key questions to understand our individuality and our financial need, and explain clearly what to expect. Davis […]
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
Everything was great thank you!
Service. . Says it all. .
Jackelyn is one of the better Mortgage Consultants I’ve worked with in a long time. Calls/emails were always return with precise response. Under promised and over delivered. Her support team is amazing and a played a major role in my […]
The experience was great, from beginning to end!
Exceptional service. Went without any issues. Thanks
Great people to work with and very quick in moving along the process
Looking forward to closing many more loans with CIVIC!
Very good company to work with
I had a property I needed to close in a short period of time. Nick Flowers contacted me within an hour of placing the request and worked with me diligently to get it closed. Always answered my phone calls and […]
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
Personable service, quick responses and accurate information.
Chris L did a great job on funding our difficult deal. He never left me in the dark. I will definitely take my next INVESTOR deal to Civic because of Chris’s consistent follow through.
Ben and Aly went above and beyond to meet the drop date for closing. Ben is always responsive, available, and flexible to the situation; he can quickly assess the situation and come up with a solution.
Civic Financial is second to none in providing quick and reliable lending. I was presented a property opportunity but needed a cash out refinance done in 4 days. Ryder Byrne and Michael Hoyt pushed it through quickly and with very […]
Good rates. Mark Liker was very nice to work with
Michael, Monica H, and Monica… the 3 of them makes a great team…
Everyone was great. My questions were being answered.
Chris and Jim were amazing!The Team ( Jenna and Rebecca ) were outstanding in processing and the underwriting was crazy quick. Would for sure recommend Civic!
Eli was consistently supportive and always available to answer questions and help me through the process. After the loan funded I needed his assistance for another refinance and had more questions and he maintained great communication and always made time […]
The efficiency in every single step, plus the friendly and professional representatives that guide us trough the entire process
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Clear Communication & our Account Representative always working with us to provide the best Loan Case Scenario for our clients. 100% the Best
Performance and attractive pricing!
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
Jennifer Moates was very professional and on top of everything! This leads me to the team that is knowledgeable, process driven, and work well together. Jennifer provided a personal touch and assurance the entire way. She asked for documents, I […]
It’s not the company it’s the representative that represents the company. Natalia is outstanding. Doing whatever it takes to ensure a satisfied customer
The way it should be done. Compared to others in the industry – you guys are mind blowing.
Very prompt and efficient process!
The Process was fast!
Loved the team of Eli, Vic and KAILYN. They made it happen!
As a Realtor I have closed 547 transactions in my 7 years and this company was quick and reliable. Contract go close in less than 7 days .
Very professional company and they work hard to satisfy the customer and get the loan funded
I would recommend Civic to any Broker that knows how to originate non-QM private money loans. Kendra is awesome and trust her with our files.
John is always helpful and Im glad we got this loan done
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
Easy, convenient, quick
I would recommend Civic Financial Services to any investor looking for an investor friendly loan. I worked with Kevin Victoria and from the start he said what he could do, when he could do it and how much it would […]
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Audre torgeson helped me a lot!
Mariam and Lillia are great
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Josh provided quick and professional service while being able to provide us a competitive rate and term.
The professionalism of your representative Randi Lauren.
Fast, friendly communication and service!
Michael Braswell was diligent and time efficient on getting both files closed given the situation.
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.
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!!
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
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.
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Quick turnaround, competitive rates & fees
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
Justin was very professional, always responded in a timely manner and provided clear and concise details about the loan process
Because mark liker is the man. Communicates well and gets the job done
My Rep Peter Kramer was absolutely Amazing!
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Rance was able to answer all my questions and his response time was usually within an hour regardless of day or time
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!
great AE and processor. It was my first closing with CIVIC, Tony was there every step of the process; from A to Z. Processor was experience and friendly. I would highly recommended CIVIC to any investors or brokers. Great job […]
Talar was quick to respond to any questions I had and she and her team completed the transaction with efficiency and professionalism
Excellent service and programs
Fast loan program Ryder is great and very professional; so happy for the application experience
the Deal closed as needed
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!!
Anthony was great in the process
The professional manner in which Civic and escrowapproached the loan refinancing project. Justin was awesome. A person who does what it takes to handle a huge project
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
It is always amazing to have the opportunity to work with a professional team, and this is for far the most prepared and excellent team Thank you!
Wade is a tremendous asset
The Service is great Kendra’s team is the bestTo work with!!
Awesome service as usual!
Reliable and Convenience
The young man who helped me through my experience with Civic was like someone I had known a long time, he was full of knowledge. I have recommended others
We are the first PA deal originated with Civic!…..and definitely not the last. Our first deal with Civic has been something in motion since December of last year. We had the pleasure of meeting Rance at the IMN SFR West […]
The loan process was quick and the fee’s are reasonable.
Fast Closing and Quick. Great Job Rance! Very Responsive
It was a pleasure working with Matt and the rest of the Civic team. They were able to assist us in closing a deal in a short period of time. My team and I look forward to working with them […]
Been working with Justin for a while now and he is always very helpful. Thank you!
Quality, professional and thorough from start to finish…
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
Excellent service as always
This is our second transaction with Civic (Peter Kramer) and we couldn’t be more pleased. Thanks again for all you do to help us “make it happen”!
Brian Long took care of our application, it was refreshing where Brian was nudging us a long the way even though with other lenders it was the other way around. Highly recommend Civic Financial Services
Ivan managed to change directions and figure out solutions to get the loan funded. Very creative!
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
Truly exceptional customer service and execution. We love the Civic Team!
Bijan was very informative and transparent from beginning to end. I have spoken to quite a few hard money lenders and felt most comfortable with Civic. This is largely due to Bijan and his ability to explain the entire loan […]
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
Jack Lupo is awesome! Smooth process from start to end
Mike Jablonsky is the face of Civic and outstanding at what he does for my office.
Eric is a stand up guy to work with. Gives advice and input that helps move the transaction along quickly and on time
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!
Working with Jacquelyn Boyles just made things easy
Marco is a STUD. Hands down he gets the job done
Excellent service, fast response
Because of our relationship with Ben/BDO
Rance was very helpful throughout the whole process. Great service
Mark Liker did a great job facilitating this loan
Delightfully easy process!
I can’t give you guys a 10 because that would mean that you guys are perfect. But you were pretty dang close to perfect.
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
The rep Melissa is Awesome!
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 […]
Paul McGann was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised.
Ivan did a outstanding job. Very satisfied
Justin is awesome!
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
I felt the team was fast and responsive
Randi was a pleasure to work with!!
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
Very good communication and speed from package submission to funding! Great Job!
Highly recommended. They are professional, diligent, and courteous.
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!
Paul handled our transaction superbly, keeping us informed each step of the way, and proactively calling us when other parties in the transaction had simply sent fire-and-forget email messages. We’ve used many traditional lenders in the past, and this by […]
Quick closings-smooth process-great communication
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
Great customer service provided by Trevor Niemann!
Excellent service from Beginning to end
Other than giving CIVIC the rating, the 10 goes directly to my Account Executive Jason Mendonza. Since minute one of our conversation he took the time to listen and understand my situation, if it wasn’t for him and his willingness […]
CIVIC has done it again! Outstandingly consistent awesome service across the board. Thank you for a job well- done!
Easy process and reasonable conditions required by UW
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 […]
Quick close and an easy process