Civic Financial Services Review
Founded 2014 · Redondo Beach, CA · Nationwide
4.1
Editor Rating
Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
Editor's Take
Civic Financial offers the best of both worlds: private lender flexibility with institutional backing. As a subsidiary of Pacific Western Bank, they have deep capital reserves — you don't need to worry about them running out of funds mid-deal. The product range covers fix-and-flip through DSCR, making them a solid one-stop-shop for investors who want a bank-backed lender with private money speed.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Bank-backed stability (Pacific Western Bank subsidiary)
- Broad product range — flip, bridge, and DSCR
- High max loan ($5M)
- Works with first-time investors
- Multifamily and mixed-use eligible
Cons
- Less tech-forward than Kiavi or New Silver
- Origination fees can be high on hard money products
- Closing not quite as fast as pure hard money shops
Loan Products Offered
Eligible Property Types
Best For
Compare Civic Financial Services
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.