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!
Good organization, fast response, deep experience
Full support and communication from Melissa, Michael and Paige
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Justin did a great job all around. Got the mortgage done in a short amount of time and maintained great communication throughout the process
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 […]
Nate and Aly are the best!
Great service and assistance from my rep Randi, thanks!
Matt is very helpful
Great communication. Arnold is Awesome
Quick closing! Everything that was offered was then delivered
Great Job Jack Excelente trabajo ,muy buena comunicacion, Gracias Crystal and Jose
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 […]
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.
Excellent communication, support, effort and cooperation!
Matt and Corey made sure we ready to close the loan ontime. They were the best
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 […]
Another 5 Star experience with Marco and Corey!
Jack and the whole CFS team were awesome to work with from start to closing
Jame was real helpful and the process is Simple and Quick
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
Nick was extremely professional and timely with all his responses. It was a pleasure to work with him and we look forward to our next deal
Fast speed! Nate was extremely helpful
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.
Very quick and efficient.
Genuine concern to help
George is a great partner. Going the extra mile through the process to deliver on time closing
Wade is a tremendous asset
Awesome work with Jack Lupo and his team.
Rance is very helpful and gives us the funding on time
Civic Financial is easy and very professional to work with!
I love working w/ Civic. They are very knowledgeable and friendly. Thank you so much for the smooth transactions.
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!
As I had mentioned it to Kendra, our loan officer, we enjoyed the experience. It was painless and Civic delivered on what they promise. Their team is on top of things and move the process along quickly. As far as […]
My rep Chris Lushina is unique in all his efforts to get the job done. He applies his communication skills and knowledge of the product to bring out the best result from his staff to produce positive results for his […]
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.
This was my first time using Civic and they delivered as promised. Extremely efficient and easy to work with.
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 10 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
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
Great terms, easy to work with
The process is always smooth. My account executive Jackelyn Gonzalez is amazing!
Very helpful, kind service
Very smooth closing
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!
Brian & the team are very responsive to evaluate the loan, give you rates & let you know all of the documentation required. They work to close deals faster than they state & are always available for questions. If they […]
Jack Lupo is awesome! Smooth process from start to end
Very smooth closing
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 […]
Another home purchased with Civic. The service level is so good there is really no need to go anywhere else!
Marco and his team are great!!
Always the best service- thank you Civic! Keep it going!
Excellent people to deal with. All around great experience. Highly recommend
I’m very pleased with the professionalism and timely way the loan was structured and handled. Jacqueline and her team were excellent. Thank you for making it happen
Chris went above and beyond to make this deal happen!
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
I have a fantastic account rep, Paige O. Prompt, Knowledgeable, Helpful and Friendly.
Working with George through the process great because he was available all the time
Ben Shaevitz is fantastic. Super accomodating. Love to work with him. Just need Civic to cancel the feature where we pay the interest on undrawn capital. That is a really bad piece. But Ben is exceptional.
I have worked with numerous lenders and I have to say Matt C. and his team exceed my expectations. Very professional, call/email responses and understanding my needs as investor. I am excited to work with him on more deals in […]
Great Company TO WORK WITH!
Quick response from account manager and responsive processing team which lead to a fairly quick close
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Matt is the best
Excellent communication. Very punctual
You funded on time, were available for phone calls and emails. Very responsive. Dave was awesome!And no delays!!!
Amazing support from Ben, Vanessa, Dianabele once again!
Easy to work with. Knowledgeable AE. Efficient Process. Great product line.
I highly recommend Civic!
We would definitely recommend this company! Daniel is very professional and very helpful! He worksed hard for us and got the deal done quickly! We are very happy and will continue to work with Daniel for our next deals!
Civic Financial Services was great! Anthony kept me informed every step of the way and we closed on time, despite having a few issues with the wholesaler I was working with. They were also able to offer a very competitive […]
Process was explained thoroughly. Expectations were exceeded. Customer service was top notch. Constant updates. Very happy all around
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
Civic got the loan done in a timely manner , nice professional service!!!
The Customer Service was great. The efficiency of the flow through the process. Peter is awesome
Manny and Jose did a great job making it happen for our Client.
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Tedd is the best, no matter what day of the week or hour he was always answering and replying to me, he was just great, thanks to all the team as well
You Guys Rock – and fill a nice niche
Excellent AAA service by Account Rep!
Jaqueline is the best account executive I have work with, great support great program amauzing results
I have done a refi and an investment new construction loan with Civic. . their proffesionalism and promptness is matchless. Great to work with Rebecca, Jim and Arnold are amazing to work with! I look forward to many many more […]
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. […]
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
I successfully financed my real estate purchase with Civic F. S. The process was smooth and the staff were quiet responsive to my needs. They assisted me from onset till closing. I will recommend them to friends and also I […]
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Our broker partner is always there to help and takes time to explain. His underwriter team in California are ALWAYS a tremendous help to making sure we have everything on file and amazing communication.
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
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 […]
I had a great experience with Civic. I worked with Andrew, Teresa and Melissa. Every step of the way they made sure I was in the loop. Civic has excellent systems to help submit applications, budgets, etc. I plan on […]
Fast service. Minimal paperwork. Great team overall
Great experience and everyone was very professional
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 […]
Fast and reliable! Thank you so much for helping us!
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 […]
I would recommend civic financial for you private loan needs, the process was very easy and fast. Lender Paul MacGann was always on top of things along the process super smooth. I highly recommend working with Paul
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 […]
Bijan was extremely efficient, clear and concise. I appreciated him walking me through the new parts of the process. The aforementioned coupled with his great personality makes him awesome! Looking forward to many more deals in the future thanks to […]
Great service as usual
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.
Loan terms and rates are the best in the business. Better understanding of values and renovation game plans then most lenders.
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
Randy was really helpful to work with. She always kept me informed of the process. I really would highly recommend her to my friends and family
Fast closing terms I can work with.
Paige is the best to work with! Smooth process!
Seamless and organized loan process
Service was beyond perfect Mark, Corey and Monica are a great team!
Tiffany is my favorite and I give this deal a 10 just because of her attitude and service!!!
Nick Flowers did an awesome job. Well done!
I liked the fact that they were able to go over the process initially with me and gave me different options to choose from.
Very Engaged, competent and has the ability to get the loan closed and is very fast when necessary!
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
Exceptional service. Went without any issues. Thanks
Civic was very responsive and worked quickly to fund my project
Reasonable rates and no delays in closing
Arnold and Becky were doing a great job ! Especially Arnold keep me poster on the loan process on every steps. I am so glad that he is my loan officer and will do more business with Civic Financial Services […]
Always a great lender!
Upfront with everything, professional, diligent, always eager to help and solve problems
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
Great team and execution!
The loan officers were very helpful in guiding me through the process. It was quick and easy to close. Look forward to doing future business with Civic
It’s always a pleasure working with Civic
The folks at Civic Financial are amazing. We had two loan applications that were processed by them surprisingly fast, and the entire process was seamless and professional. We then applied for a third loan, and are already approved in a […]
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Jackelyn and Rebecca were excellent and efficient with our transaction!
I believe from myexperience you are professional and looking to help people
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Great company that always makes it happen Jackie and her team are professionals!
Ben and team have been great! Thank you
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
When no one else would consider giving me a loan because I didn’t fit their box. . . . Civic got it done! Mike was quick to respond, and Civic navigated a few hurdles and got me the cash quickly! […]
I had a great experience with Civic, excellent service
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
very professional, prompt, seamless, and prompt closing
Ben and team were very helpful and supportive
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
Always a good experience.
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Delightfully easy process!
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 […]
Great follow up and flexibility!
Thank you for your assistance
They were the only intelligent lender to get my deal done!! Thank you!
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 […]
James was always on Top of my Closings and easy to Contact
Fastest closing I ever had with no hassles
Had the Programs and was easy to talk to to get things done
Brian was very professional , knowledgeable and helpful
Quick turnaround, competitive rates & fees
Quick, easy, knowledgeable.
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 […]
Really Appreciate the speed and Care Pete used to knock out the loan. Great job!!
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
This was an emergency situation and I need to refi quickly before my other mortgage ballooned – CIVIC came to the rescue like a government bank bail out and they delivered fast without any hassles!
Simple , easy , quick loan
Great company to work with.
Great rates great service
Patrick and his team members Rebecca + Jose coordinated another successful closing.
Extremely professional! Look forward to doing business again in the future
Eli Marcus is amazing
Arnold is wonderful and always makes the transactions go super smoooth
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!!!
First time client, 10 day close, immediate funding after I signed – service was excellent!
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 experience and results!
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
You guys are the best!
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
Easy to work with and good Client care! Will be using them again!
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!
Knowledgeable staff and good service
Great people. . and work very hard to get you the best deal
My broker Chris Rosas and the Civic team have great communication and efficiency
Quick and Easy! Peter was the bomb. com!
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
I have used Civic multiple times and wouldn’t hesitate to recommend them to anyone thinking of using them. The whole team works well together and moves the file along seamlessly. Grateful to get to work with Cameron
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
Excellent I highly recommended
Melissa was very good and was very helpful. No doubt I would recommend her to any and all investors.
Excellent follow up, and genuine care to get the deal done and help out
Very good service from Chris and Chelsea
Quick turnaround, competitive rates & fees
Great experience. Very happy with my experience
They really do what they say. We needed to close in a short time. They said they were able to do it and they did it. It was a very seamless and stress free experience. Civic is by far the […]
Chris and his team are great to work with. They make the process so easy
Marshall has been great from start to finish. He explains things clearly, is always friendly and pleasant on the phone and is patient with me, but still very quick to respond
Good loan coordinator. Easy transaction
Because of the amazing team I work with.
Talar was amazing and was always there with updates.
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals