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Honest, reliable lending for real estate investors.

Ryan Kumar Ray

Vice President - Account Executive

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Ryan is a lending professional at CIVIC Financial Services, providing capital solutions to real estate investors, builders, and developers across residential and commercial projects.

He brings over a decade of experience from Google, Alvarez & Marsal, and Ernst & Young, where he led strategic initiatives to improve operations, reduce costs, and support complex transactions in capital-intensive sectors.

Ryan is pursuing his MBA at Boston University and holds a BA in Economics from the University of Texas at Austin. He lives in Boston with his wife, son, and two dogs.

CIVIC Financial Services provides Fix & Flip Exposure Limit, Bridge, New Construction, and Single/Portfolio Rental loans to residential real estate investors across the country, helping our clients overcome traditional financing hurdles and build long-term wealth through real estate investment. 

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    ©2025 CIVIC Financial Services, LLC. is part of the Roc360 family of companies. A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080. *Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. All rights reserved. Equal housing lender.