The Cash Flow Company provides real estate investment loans for fix-and-flip and rental properties, emphasizing human-to-human service and flexible funding solutions for real estate investors.
Data compiled from public sources · Google rating shown when a stored review count is available
The Cash Flow Company is a real estate-focused lending firm founded on the principle of connecting investors with financing to accelerate their property acquisition and development. The company positions itself within the real estate investment ecosystem, serving as both a direct lender and a connector to additional capital sources when needed. Their core philosophy centers on the two pillars of real estate investing: finding good investment properties and securing the right financing to purchase them. The company is led by Mike Bonn, identified as a real estate funding expert who personally engages with clients and maintains long-term relationships, with Google reviews dating back 14+ years.
The Cash Flow Company offers investor real estate loans designed to fund fix-and-flip and rental property purchases. Their service model includes a quick loan inquiry process, online courses for real estate investing education, a "SOS Property" distressed property solution service, and personal guidance from their cash flow coach. They promote a "Money Buckets" framework—their concept of organizing multiple funding resources to support property acquisition, renovation, and sale. The company also references 0% credit card options as an alternative funding method. Their hybrid lending model means they can source loans from multiple providers if their direct products don't fit the customer's needs.
The Cash Flow Company differentiates itself through explicit human-to-human engagement, rejecting reliance on AI and emphasizing real person-to-person connections. They claim access to an "A List" of best-rate opportunities and position themselves as a resource not just for direct lending but for broader real estate professional networking (working with realtors, bankers, wholesalers). Google reviews consistently praise quick turnaround times (funding "in a matter of days") and professional service. The company also offers educational content through online courses and has developed proprietary frameworks like "Money Buckets" to educate investors.
Based on available information, The Cash Flow Company appears to be a legitimate, established lender with strong customer retention and positive reviews spanning over a decade. However, specific details about loan terms, rates, fees, and eligibility requirements are not published on their website. The company's emphasis on real estate investor networks and educational products suggests they may focus on investors with some experience or sophistication. As with any alternative lender, consumers should request full disclosure of terms, APR ranges, and comparison shop before committing.
This is state-level context for Business Loans consumers in Centennial, CO. It does not confirm that The Cash Flow Company or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Status: Permitted
Rate context: 12% APR (Colorado Uniform Consumer Credit Code general usury cap); licensed lenders may charge higher rates with state supervision
Governed by Colorado Uniform Consumer Credit Code (C.R.S. § 5-3.1-101 et seq.). Supervised lenders licensed by Division of Banking may exceed the 12% usury cap.
Status: Permitted
Rate context: 12% APR general cap (C.R.S. § 5-3.1-102); supervised lenders may charge higher rates with state authorization
Installment loans are governed by the Colorado Uniform Consumer Credit Code (C.R.S. § 5-3.1-101 et seq.). Licensed supervised lenders may charge rates above the 12% usury cap with Division of Banking approval.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
The Cash Flow Company offers 12 services including Fix-and-flip property loans, Rental property investment loans, Quick loan inquiry and application process, Real estate investing online courses, SOS Property distressed property assistance and financing, and 7 more.
The Cash Flow Company has profile signals associated with Experienced real estate investors with multiple fix-and-flip or rental properties seeking quick capital access, Real estate professionals (wholesalers, realtors, bankers) needing reliable lending relationships for client deals, Investors with distressed or stuck properties needing rapid exit solutions or refinancing, Real estate business owners seeking education and capital simultaneously to scale operations.
Key strengths: 5.0 Google review rating based on 20 reviews with demonstrated long-term customer relationships (14+ years with some clients); Fast funding turnaround—customers report loans funded "in a matter of days" rather than weeks; Hybrid lending model allows the company to source loans from multiple providers if their direct products don't fit. Areas to consider: No published loan rates, APR ranges, or fee schedules on the website—customer must inquire directly to understand true cost; Requires active real estate investment focus; unclear if company serves general small business or only real estate investors.
In the Business Loans category, comparable providers include Melissa Medved at CrossCountry Mortgage, Minute Loan Center, WeFund Mortgage Corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
The Cash Flow Company is best suited for experienced or actively-investing real estate professionals who prioritize quick funding and human relationship management over comparing rates across multiple lenders. The primary caveat is that loan terms, rates, and fees are not transparently disclosed online—interested borrowers must contact directly and will need to request full pricing comparisons to evaluate true cost relative to bank loans or other alternative lenders.
Melissa Medved is a mortgage loan officer at CrossCountry Mortgage in Seattle, WA, offering home financing solutions including purchase, refinance, and specialty loan programs.
Google rating from 28 reviews
Profile signals: Seattle-area homebuyers seeking personalized mortgage consultation with a local loan officer, Borrowers comfortable with digital-first mortgage processes and remote video consultations
Minute Loan Center offers same-day online installment loans and lines of credit for emergency cash needs, with eligibility claim to verify and approval in minutes.
Google rating from 27 reviews
Profile signals: Consumers with fair or poor credit facing genuine short-term emergencies (medical bills, unexpected repairs), Borrowers who are comparing listed funding timing and have limited alternatives
WeFund Mortgage Corporation is a mortgage lender offering home loans, refinancing, and HELOCs through an online platform with rate claims to verify and personalized support.
Google rating from 15 reviews
Profile signals: Homebuyers seeking an online-first mortgage application experience, Borrowers interested in home equity lines of credit (HELOCs)
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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