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!
Great service, smooth and quick transaction
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”!
If you have a loan that fits their box. They are extremely good.
Great communication. Arnold is Awesome
Fast loan decisions, good communication, very good to work with, and professional
Amazing team to work with!
They can analyze the property for you and they can close the deal quick and also they give you a Home Depot discount
Hard work and dedication is the key to being a great boxer, it’s also the key to being great in anything you do
Fantastic follow up. Good rates. Strong customer service
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
Everything went well and everyone is very professional
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
Extremely professional! Look forward to doing business again in the future
Good, quick, easy to work with
Melissa and herteam great to work with Thank you
Always the best service- thank you Civic! Keep it going!
Fast, easy, professional. Dave Rooker took time to build a relationship. Assisted and answered questions for months and was always available when needed
Jack Lupo and Michael Hoyt are one heck of a team. They go above and beyond to make sure that you are taken care of from loan application to funding. When there was bumps in the road they were there […]
Great Service and Team Work!
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
First time client, 10 day close, immediate funding after I signed – service was excellent!
Always a great experience working with Civic. Very professional, excellent service and helpful every step of the way. Specifically, I’ve worked with Whit and Vanessa and those two are awesome!
Fast service. Knowledgeable staff. Great experience
Excellent customer service, we were treated with a lot of respect and promptly
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
Melissa Salinas and her team is awesome. Very helpful and prompt. The process was smooth and they are very good at keeping me inform. Everyone was very friendly and professional. I would recommend Melissa to anyone who needs a hard […]
I give you and Eric Weidner a 10 of course. Eric has always been the best for me
Davis Bennet is the only reason I’m using Civic, very professional. Very knowledgeable of the industry, has a high degree of understanding as it relates to Real Estate Financing, and has made sure the lending process is smooth and non […]
Quick, easy, professional, knowledgeable, and willing to help problem solve
Jackie and Rebecca were very professional and easy to work with. Any time i needed assistance they were readily available and jumped in to get my transaction completed in an effiecient and timely manner .
Marco and his team are great! They make the process so easy!
They delivered on what they promised. No hidden promises. Very smooth transaction.
They were great to work with as always
Brian Fung really worked hard to make this happen. He is a stud
Loan process and closing were very smooth!
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.
Civic is an extremely reliable company, and Scott gave us superb service
Great Services and process! And you cannot beat their competitive rates and terms.
The list of products you offered are more than most lenders and your service is excellent and fast
Great customer service, fast service, fast underwriting, excellent loan processing team
Responsive and timely. Common sense requests and requirements, and available when needed!
Just another stress free transaction with Civic!!
From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over […]
Full support and communication from Melissa, Michael and Paige
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Very good service. I especially appreciated the help from my account executive Michael
I most appreciated the responsiveness.
Excellent support service.
Civic Financial Services made the loan process easy and brief. I was able to secure my loan by following their simple directions and providing far less complex information. The appraisel process was inexpensive and saved me a great deal of […]
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.
Dave and his team always makes it easy
Great service closed on time
Working with Civic is always a great experience. I have closed many deals already.
Cristian Gonzales was a pleasure to work with. He was always very detailed and on top of my loan he would ALWAYS answer my calls and all the questions I had. Process was super fast and just couldn’t be happier. […]
Enjoyable to work with. Kept me informed on the progress
Amazing Florida love working with Anthony
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 […]
Matt and Corey made sure we ready to close the loan ontime. They were the best
Really awesome service!
They are very easy to work with & creative with unique financing options too
The team comes through every time!
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
This is our 3rd deal with CIVIC and we loved the experience. Our Account Executives, Melissa S. and Michael H. were super!Took care of every detail, were great at communicating and moving the ball forward. This was another smooth process […]
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!!
John was a big help
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
Davis was very attentive and communicated every step of the way
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
Mark and his team did a fantastic job and were able to close the transaction quickly
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
Good manager / employees
Working with Brian is great, he’s very responsive and works to get deals done despite any hurdles we have faced.
Extremely patient and knowledgeable.
Eli is awesome and very professional
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
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. […]
Great experience with Eli Marcus
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!
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
Everyone worked very diligently, very happy
Michael provided excellent customer service as always
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Randi communicates well and made the loan close on time
Extremely professional and very courteous
Civic was able to quickly get us financed so that we could move on a house
It was a pleasure meeting Melissa Salinas at a recent REIA in Dallas. She earned our trust with her friendly nature and professionalism. Melissa and Michael Hoyt provided an excellent lending experience, knowledge and patience as my company joined a […]
So many great things about CIVIC
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
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 […]
Thank you for assisting my client with this loan
The process was simple and fast. Both Jackelyn and Becky were on top of communication by answering emails promptly and any question that we had.
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
Great customer service and closing process
The loan closed on time
Working with George through the process great because he was available all the time
This is the second deal I’ve done with Jack can’t say enough how smooth the process goes with him and his team. Always super responsive and great at setting realistic expectations. Looking forward to doing many more.
Very knowledgeable group. Nothing but great and timely service
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 […]
Michael Ricigliano, of Civic Financial- He offers the utmost professional business lending services tailored to our needs. BEST lender in our Real estate industry
Because Jackelyn walked me through everything
Rance and team are amazing. They are knowledgeable, passionate and always available. This is my first time working with Civic Financial and what a wonderful experience I had, I would recommend this company to anyone. Thank you Rance and team […]
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
The interest rate is good. Employees are professional. Worked with Nathan; he is just awesome. The closing process is streamlined and very simple
Super responsive, really accurate on the scenario quote reflected- stayed consistent from beginning to end, Matt is super proactive and is very clear on explanation and requests so there are no contradictions. great to work with and will always find […]
Justin was really helpful throughout the process all the way thru closing
The cordial staff, and the quick responses made our deal happen fast. Thanks!
Everything was as I was told. . . I would for sure use this company again for my financial loans in business purchases. Thank you to everyone who played a part in this! Thank you so much!!:-)
Eli Marcus is amazing
Overall I am pleased with my experience
Worked with Dave Rooker on many properties/flips I own. He is THE BEST!! As well as Gabby & Marisa at Civic Financial. I already send my family & friends to get financed from you guys!!
Mark has been great to work with.
Great customer service
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Kendra is great to work with! She knows what she’s doing, is a problem solver, replies quick replies, and is trustworthy. I definitely recommend reaching out to her
5 star service
Civic has open the doors for me to grow, with fair fees and crystal clear services
Great work. Talar was amazing
Todd, our rep, kicks ass!
AE Kevin Victoria is very helpful to work with
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
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
The process was painless, the rates are extremely good
Dear CIVIC team, Your team worked hard and efficiently to make the deal go through. Eric Weidner was excellent in communication, help and support. He was in every step of the loan process, provided lots of support and guidance, made […]
Matt is the best
Quick turnaround, competitive rates & fees
Civic delivered on the terms they quoted
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
Arnold, David & Jenna, are always helpful. They work well together as a team
You have great products
Easy to work with through entire process
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
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 approved, available all the time day and night.
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Friendly service and speedy closing
We love us some Civic!
Great service. Wade really makes it happen
I was working with Justin and he is amazing. Very professional.
Everyone at CIVIC works hard to ensure a hassle free process every time!! Brian Fung has been exceptional in each and every transaction and so has David Levine.
KB is a real pleasure to deal with from start to finish. I really like the loan options that you have made available to investors
Because your services are awesome
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
Excellent company to work with, very fast, no complication, Steven Fisher is the best account executive and very professional
Excellent work, especially from Eli. He is a great support for business. Thank you
Jack is amazing to work with!
Jack and the whole CFS team were awesome to work with from start to closing
Efficient and helpful, upfront with financing options
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Melissa was a pleasure to work with. She was on it from day one, and helped me stay within our timeline. Michael was great as well
We had some issues with the county permits and they went way beyond to work with the county and get everything updated so we could buy our hone!
Ivan Oberon was great and make the process quick and easy
J to the A to the C to the K to the I to the E + B to the E to the C to the K to the Y!
Brian was very professional , knowledgeable and helpful
First time and it was a very smooth transaction. Will find some more.
100% because of Nick Flowers. If he lived in Dallas I wouldn’t stop recruiting him until he worked for me PERIOD!
Great lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
I enjoy working with Civic, mainly because of Jack Robinson, my Account Rep. He always goes above and beyond to make a deal work and see through closing. He is available to me, any time I need him, even when […]
The rates were great, the process was very smooth and quick. Brian Fung really went out of his way to make this deal happen
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.
The funding team of Daniel, Jose, and Maurissa got it done.
Ryder and Monica were wonderful to work with! From my first call until closing, the process was smooth, there were no surprises. All requirements were laid out clearly. Complete disclosure and professionalism. Thank you!!!
My Account Executive is the best and her level of professionalism and compassion to help exceeds of any AE I have experience in my 10 years of arranging financing
Excellent service always on time . A pleasure working with Anthony
Once the file gets to loan docs and back to funding, loan funds right away. .
Chris Rosas, David Levine, and team did a wonderful job for me and my client. I’m thankful to have them as a resource.
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
Excellent product and service
Convenient, quick, and easy!
Quick response. Great rates.
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 […]
Very good service from Chris and Chelsea
Always a great lender!
Very professional and fast to respond
Very easy to work with. Responsive and quick.
Solid underwriting, clear terms, fast closings
I like working with Civic. And I always recommend to my coworkers
The loan agent Justin Cohen was a pleasure to deal with for the following reasons 1. Very Transparent about the loan process and loan terms 2. Very Prompt in his communication 3. Understanding of borrower’s needs and situation
I had a supportive loan officer and staff through out the whole transaction
The customer service was great
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
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 […]
The process was fast and easy
The best team to work with Derek , Kathy and Monica. Very responsive and fast acting made my loan process super easy. Thank you all
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Efficient lending. Team works closely together
Great service and my loan officer, Jackelyn, has been super in getting my deals done and helping me when needed
Great communication. On time and great follow up
Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within […]
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
Ben has been a pleasure to work with. He goes above and beyond to ensure things come together and are completed as quickly as possible. I have worked with other lenders and Civic is one of the few I would […]
I enjoyed working with Ryan. Made the process easy. Treated me as if my business mattered. Many salesman just wait for the easy sale and don’t want to work
All the individuals involved in this transaction were completely helpful and professional
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
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!!!
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
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.
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