Civic Financial Services - logo

Civic Financial Services

Fast, Honest, Simple Lending

Direct Hard Money Lender for Residential Investment Properties

Civic Financial Services is a direct private money lender, working exclusively with real estate investors to fund non-owner occupied residential investment properties.

We are well capitalized through our Wall Street partners and with our direct access to capital will work to the best of our ability to fund your deal as quickly as possible.

Since 2014 we have funded over $2.5 billion in residential real estate loans and with over 200 employees we are positioned to increase our number of deals funded every year.

Our goal is to assist first-time and experienced borrowers with easy and efficient short term financing solutions for their real estate projects.

Lending Guidelines

$100k - $8m
8.5% - 11.25%
Origination Fee
1% to 5%
Term Length
12 to 48 months
Closing Time
5 to 7 days

Loan & Property Types

Loan Types
  • Purchase
  • Fix and Flip
  • Refinance
  • Bridge
  • Cash-out
  • Property Types
  • 2 to 4 units
  • Multi-Family
  • Single-Family
  • Condominium
  • Manufactured Home
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

  • Inspection


  • Underwriting
  • *

    = upfront,


    = 3rd party

    Areas Served

    Civic Financial Services

    2015 Manhattan Beach Blvd
    Redondo Beach, California
    Year Established
    Number of Employees
    201 to 500
    We Work With
    Borrowers, Brokers
    • Home
    • Resources
    • Contact

    EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703