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Hidden Traps to Success

Hidden Traps to Success 
The naive believes everything: but a wise man looks well to a matter. – Proverbs 14:15 
Solomon reveals that a similar kind of trap in your personal or professional life can have
an equally devastating effect. What is the name of that hidden trap? Naiveté. And it can
ambush anyone, regardless of their intelligence, education, financial success, or personal
Naiveté and IQ 
Naiveté has less to do with intelligence and more to do with the way a person approaches
individual situations and life in general. A naive person tends to oversimplify a situation
and thereby fails to see critical factors that may significantly affect an outcome.
Solomon describes a person as naive when he or she doesn’t “look well into a matter”
before choosing a course of action.
Oversimplification – In Proverbs 1:22, Solomon chides, “How long, O naive ones, will
you love simplicity?” Important decisions are never simple. Dig deeper.
Presumption In Proverbs 27:1, Solomon warns, “Do not boast about tomorrow for you
do not know what a day may bring forth.”
Misplaced Trust – We often put more trust than we should in people whom we don’t
know well. More often than not, people are less capable, less experienced, less competent,
and less honest than they seem to be. People always put their best foot forward, and we
usually make judgments of them in a matter of minutes or seconds.
Superficial Appearances – Our response to a person or a situation is often based entirely
upon appearances. A person may be charismatic or extremely personable, or a business
opportunity may appear extraordinary at first glance. But appearances almost never tell
enough of the story to base any important decision upon.
Laziness – Our natural inclination is to do as little as possible to get what we want. The
same is true in the decision-making process. “Looking well into a matter” requires a lot
more effort and creativity than simply accepting a statement or person at face value.
Haste – When we are in a hurry to make a decision, we will usually make it without
taking enough time to look into the matter thoroughly. In Proverbs 21:5, Solomon warns,
“But everyone who is hasty comes surely to poverty.”
Narrow Vision – More often than not, our vision is far too limited to make the best
decision based only on our own knowledge and experience. Solomon cautions in
Proverbs 15:22, “Without counsel plans are frustrated, but with many counselors they
Integrity – Honest people never think of lying, stealing, or defrauding someone of their
life savings. Such thoughts are so foreign to their character they can’t imagine anyone
else doing such things to them.
Greed – Wrong motives for making a decision can lead you to detrimental circumstances.
Arrogance – Arrogant people often think they’re smarter than everyone else. They don’t
feel they need to seek outside counsel or perform due diligence—they already know what
they need to know. Solomon said, “Pride goes before destruction, and an arrogant spirit
before a fall.” (Proverbs 16:18)
Wrong Priorities – Sometimes a person chooses not to look in depth into a matter before
making an important decision, because they don’t think due diligence is that important.
The Solution 
Diligence is like a giant floodlight: turn it on, and naiveté’s darkness disappears.
Look well into a matter before making any important decision. If a person is truly honest,
they will respect your thoroughness and welcome any due-diligence efforts you
Don’t Be Naive When It Comes to Making Wrong Choices 
In Proverbs 22:3, Solomon warns us, “The prudent sees the evil and hides himself, But
the naive go on, and are punished for it.”
Most people rarely find themselves in unethical or illegal situations by surprise. Usually,
they see a red or yellow flag or two first. At that point, they have a choice. Solomon tells
us that a wise man will turn away. Those who are naive, however, see the red flag, feel a
twinge in their conscience, and then choose to keep moving in the same direction.
“There Is a Way That Seems Right . . .” 
In Proverbs 14:12, he says, “There is a way that seems right to a man, but in the end it
leads to death.” Diligently looking into a matter will ensure that doesn’t happen.
How to Make Wise Choices 
Choose to Look Well into Matters. 
Seek Outside Counsel – Over and over again in Proverbs, Solomon cautions us to seek
outside counsel. His advice is clear, his wisdom undeniable. Follow it.
Choose Your Friends and Associates Wisely – In Proverbs 13:20, Solomon writes, “He
that walks with wise men shall become wise. But a companion of fools shall be
But you should be careful about whom you partner with or attach yourself to in any
significant way. Look at a person’s wisdom and integrity. Be sensitive to any red flags
that would warn you of dishonesty. Look at what their priorities are and how they order
their lives. How do they treat their parents, spouse, siblings, or children? What do they
value most? Don’t let yourself become the companion of fools.
Being Prudent Is a Choice You Must Make Every Day 
Being prudent is a decision that needs to be made every time you face an important
decision in any area of your life. Whether you are facing a business decision, a financial
decision, or a personal decision, choose first to “look well into the matter.”

“Who do you want to hitch your wagon to? Someone who HAS been paid, or someone who THINKS they will be paid?”


Joseph P. Tufo
Alamo California (San Francisco Bay Area)
925-522-0700 Direct 800-669-2700 USA Only

How We Work

Skype: jptufo
Referral Key:

Private Client Services $200k to $500m+, Project Funding, Asset Monetization, FIIC, and Business Consulting

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation.

Trust, Integrity, and Service: Here Today, Here Tomorrow

Don’t forget our Weekly Wednesday Webinar at 4PM Eastern.

Please click on the link below to read our Disclaimer

Cash Flow Specialists Disclaimer


Bank Instruments Business Lines Of Credit Church Loans Collateral Instruments Credit Enhancement Film Funding Hard Money Improve Credit In The News Large Projects Money Available Multi-Family Newsletters Preparation Private Placement Programs Proof of Funds Real Estate Projects Referral Partners Trade Programs

Right From The Heart; Happy Easter! How To Fund Any Viable Project Today, Monster Corporation Update, $10m POF, and more 201000403

Right From The Heart; The Real Reason For Easter, How To Fund Any Viable Project Today, Monster Corporation Update, $10m POF, and more 201000403

Greetings from the beautiful San Francisco Bay Area where temperatures are in the low 60’s, skies are partly cloudy, and rain is on the way!

The real reason for Easter:

We are alternative funders. Folks are referred to us when the Bank Says NO!!! We are NOT for everybody. We charge fees for Priority Clients. We work on a Best-Efforts basis.

For a Color Version of the Gold Commodity flyer call or write. Dale is out of town. I screwed up the HTML code on a Monster Corporation mailing last week and lost the COLOR settings today. I’m trying, Greg.

This program allows Client to enter 4 programs at the same time.

Managed Buy-Sell –Trading- PPP Programs Starting from $1MM +



Translate your strategic objectives into action -$$$$$$- growth and profit objectives.

Our current performance management system and proven performance based forums will create an effective performance management system that helps to translate strategy into action, productivity, and corporate profitability.

NCC & CFSI can provide to you the opportunity to capitalize on our various investment programs.

Currently we offer many forums to enhance your portfolio for additional monetization.

NCC has an alliance to providers of Instruments/Managed Buy/Sells and Tier 1, 2, 3 Trade Platforms.

Your funds can work for you just by sitting in your bank account.

You have the option to participate in as many programs at the same time as you like.

Enter Into;

1) Gold Commodities Contract

2) Gold Commodities Contract-SBLC

3) Multiple 40 Week Bank-Trade/PPP/Buy-Sell Programs

4) Multiple Bank Trade -/PPP/Buy-Sell- BULLET Programs

Enter all 4 programs at the same time with Rolls and Extensions on Contracts.


This is a Commodities Contract– Project is not necessary.

Safe-Secure-Fast- High Returns


$1,000,000 PROGRAM

52 Week Program NETS $100K Per Week = $5,200,000 (NOTE; AT $1,175,000M USD OR OVER=20% RETURNS)

BCL (Bank Comfort Letter) or POF MT 799– which is just a proof of funds letter.

$1,000,000 POF/BCL-Funds stay in Principal’s Bank

Client shows min. $1,000,000.  POF is all that is required.  Client receives approximately $100,000 per week for one year, net of commissions and JV fees.  Client can talk direct to trader, and trader then issues contract to client to specify pay-out.

BCL (Bank Comfort Letter) or POF MT 799 — Which is just a proof of funds letter.

These funds stay in your account.  They are not Moved, Pledged, Liened, Encumbered, Blocked, or Hypothecated and no other signature is added.

Historical Returns are up to 20% Weekly

Historical Returns 10% @ $1M USD

20% Per Week Over $1,175,000M USD+ (ADD FUNDS TO CONTRACT)

+ The SBLC + BULLET + 40 Week Bank Program




$300K = $1,250,000 PER MONTH X 12MONTHS= $14.7MM YEAR

Client can buy $10M SBLC/BG for $300,000 from HSBC.

Gold contract pays 10%-20% per week ($100K TO $200K) for a year.


Assignment fee is only accepted after Swifting is completed.


OPTION 2 is an alternative that while participating in OPTION 1 client can simultaneously chose to enter intoOPTION 2.

In effect, this is a double dip of your show money!!

Use the proceeds (In effect “house money”–without touching the original show money) to purchase the SBLC.  Client is not limited to one contract.  Multiple contracts are granted upon availability



NCC/Partners are the Trade Group



CIS form; Need Color Copy of Passport Enlarged 140%.


PROOF OF FUNDS– Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet as an introduction.

(White-out or Black-out account numbers)

Or Standard, 2 Banker-Signed, SKR Letter from the depository bank works best: not a free form swift.

NCC may choose to do a conference call with the broker(s) and principal(s) after which NCC/Trade Partners will be in direct contact with the principal(s).  NCC will keep all parties and intermediaries updated and informed.


Compliance forms will be sent direct to the client.

Client talks direct to Trader.

Trader issues contract.

Client signs contract.


BCL or POF MT 799 will be sent from Traders/Sellers Bank to Clients Bank from the Trader/Seller Direct.

BCL or POF MT 799 sent by Swift to designated bank.

BCL- Bank Comfort Letter (Proof Of Funds) or POF MT 799 (Proof Of Funds Letter MT 799)

BCL (Bank Comfort Letter) or POF MT 799:  A letter written by a bank officer on behalf of a customer, attesting to the current balance and good standing of an account holder.

CIS and BCL Must Be Signed in Blue Ink.

BCL (Bank Comfort Letter)–which is just a proof of funds letter or POF MT799

Funds Stay In Account. FUNDS are Not Moved, Pledged, Liened, Encumbered, Blocked, or Hypothecated and No Other Signature is Added.


Direct To Programs and Providers

Also available for further monetization & Instruments for Purchase;

Seasoned/Slightly Seasoned T-Strips BG’S & MTN’S

If your goal is mainly to earn a Safe and High Yield

Slightly Seasoned T-Strips, BG’s, & MTN’S Managed OR – Buy-Sell Trading Programs


NCC has an alliance to the largest Licensed Traders in the world (some independent platforms and others inside of the Trading Bank).All Program Groups are among the largest in the West.

Our alliance forums also have instruments from the Treasury and a LANDESBANK and to Clearing/Cutting House or Private Holders of paper (Some of the richest men in the world) depending on request and availability, as well as Trades/Buy-Sells/PPP.

Please feel free contact to us to proceed


011-(925) 352 6000









This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. This email is not a solicitation of investment funds or a securities offering. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information NCC & CFSI is not a Certified Financial Advisor, Securities Broker and/or a Stock Broker. We are a Banking, Financial, Business consultant who provides advice to private individuals on or about business matters. If you have received this email in error, please notify us by return email and delete record from your computers. The information presented is not in any way considered or intended to be a solicitation of funds and is intended only as general knowledge. Understand that the contemplated transaction is strictly private and in no way relates to the United States Securities Act of 1933 (the “Act”)or related regulations and does not involve the sale of registered securities. This transaction is private and exempt from the Act. If you are not the intended recipient, please be aware that any disclosure, photocopying, distribution, or use of the contents of this information is prohibited. Thank you

IMPORTANT NOTICE: This electronic communication is covered by the Electronic Communications Privacy Act of 1986, Codified at 18 U.S.C 1367,2510-2521, 2701-2710, 3121-3126.
Also see: Gramm-Leach-Bliley Act 15 USC, Subchapter1, Sec. 6801







$20M UP TO $150M +










*NCC/Partners will take a JV/Equity position of 10% to 49%

The percentage will vary depending on the amount of capital into the project, collateral, and risk factors.

No Loan To Repay – No Up Front Fees.

*NCC/Partners require any 3RD party reports-if needed- and Principal’s & NCC/Partners Attorney fees to be covered and paid for by the principal. Payment will be paid directly to the 3RD party and not to NCC/Partners.

Existing reports can be used in most cases (i.e. appraisal, phase 1, etc…)

If reports are needed the principal will pay the venders direct.




Need The Projects Executive Summary (NO BROKER LOGO FORMS)-Narrative- (Tell-Me-The-Story) – (Proof of Funds) (Proof of Collateral) -showing that the client has Strong Collateral Reserves in their account or projects account and that there is capital into the project.

The Collateral Reserves can be Cash, Municipal Bond, Performance Bond, Sovereign Bond if outside the USA or Cash Backed Instruments (SBLC, BG etc. (Owned not Leased)

(Pre-Sales or Deposits and or Attorney/Title Escrow accounts can not be used)

The Reserves funds can not be leased or blocked funds. These funds have to belong to the principal or project. These funds are not moved and not used. (Reserves requirement)

PROOF OF FUNDS- Proof-Of-Funds (POF) can be a Sanitized recent Bank Statement or Tear Sheet. (White-out or Black-out account numbers) Or Standard, 2 Banker-Signed, SKR Letter. Not a free form Swift.

Municipal Bond, Performance Bonds, Sovereign Bond or Cash Backed Instruments- (Need copy)

(Asset Monetizing is also available, request for Asset information and procedures.)


Need a Copy of the Paper Asset & Statement.

NCC/Partners are a Private Equity Joint Venture Investor and are collateralized by a 501C3, Real Estate Holdings and Secured Asset Management Program.

Please feel free to contact me personally should you have any questions.


When you are serious about funding a project or idea visit:

We have PAYDEX and Experian credit enhancement services available.


From our Working Capital Fast website



I have Proof of Funding of a current client who has received about $900,000 so far in March 2010 if you want real proof.)

Monster Corporation Update

Hector and Peter fund new corporations about 30% of the time. They have three sizes of funding available:

$500,000 $38,000 up front and 12% back end fee

$1,500,000 $75,000 up front and 12% back end fee

$2,000,000 $95,000 up front and 12% back end fee (Sold Out)

You can read more here:

and here:

I was surprised to learn that 70% of the time they fund existing corporations who, for whatever reason, strike out with local banks.

In my experience, funding is all about presentation.

Hector and Peter funded a manufacturer that had been in business for several years. The president of the company had visited three banks and was turned down by each bank.

They paid a fee to Hector and Peter. They cooperated with the process and within 60 business days were funded $4,450,000!

Isn’t that amazing? Here was a company that had been in business for many years. Their books were a mess. They hadn’t filed corporate income taxes in two years.

Hector and Peter put down their heads and rolled up their sleeves and got the company to do exactly what they were told to do. That’s what it takes to get funding: pay the fee for professional services, mutual cooperation, up-to-date books, current tax returns, and paying a back end fee.

What did it cost? $30,000 up front and about $534,000 back end. Was it worth it? They thought so.

The largest funding to date was in November 2008 for $14,500,000. That company used the money to more than double their work force from 55 to 125. Sales increased by more than double too and more importantly the value of the business increased from $22m to $52m.

Looking for a way to generate a badly needed cash injection?

If you have a minimum 700 FICO score on all three bureaus, have no more than a 30% debt to high credit limit or are willing to pay down debt, can wait 60 business days, are mutually cooperative, have a good executive summary, bio’s of key people, a detailed use of funds, a five-year pro-forma and powerful exit strategy with the funds to get started call me at 1-800-669-2700.

With your corporation: Funding from $100K – $10M based on qualifications ( some of you may have a very strong company with verifiable tax returns, hence larger funding amounts)

– Backend Success fee applies
– Personal Guarantee Required

– Experienced consultants to guide you through the process
– Proven track record

Qualification Requirements
Applicants must have:
– A login and password to:
– No collections, charge offs, bankruptcies or judgments.
– No late payments
– At least a 700 mid FICO score
– At least 6 years of credit history with 3 open and active trade lines
– All installments and revolving accounts should have balances under 30%

With our affordable and reliable platform we are able to maximize your credit rating and obtain the funding you need. Our team of dedicated service professionals are standing by to offer help in credit improvement and loan services. This may be the solution for all of your essential needs We look forward to making a friend for life.

Working Capital Fast

Money to Solve Cash Flow Needs


by Joe Tufo[edit]


Bank of America, Sun Trust, Chase, Other Banks Available, No credit check required.

BEST PRICE GUARANTEE we will beat any competitors price guaranteed

Top 25 US Banks Pick your Bank , No credit check required.

In the unlikely event you should find a better legitimate offer please let us know so that we may adjust our fees.

We offer Cash Backed Proof of Funds Accounts issued from top US Banks. Accounts can be issued in an individual or company name. This type account is verifiable in writing, verbally by Phone or Fax. It is important to understand that this is not a loan. Funds cannot be moved or depleted.

We also offer master accounts which can be verified electronically on line or by simply verifying with any branch. Also provided with master account is monthly bank statement; tear sheet, duel bank officer signatures. Blocked / reserved funds letter also available.

Borrowers Have Utilized These Funds for a Variety of Reasons

Leverage Funding for Large Commercial Projects
Funding a Trading Platform
Credit Enhancement
Blocked Funds
Qualify for Financing
Net Worth Requirements
Providing Evidence of Proof of Funds
We offer a safe, worry free, reliable transaction. We do not collect any fees until we deliver the account to you and you call the bank to confirm.

The following documents will be required in PDF format to establish your account.

Company articles of formation
Company federal tax ID number
Enlarged color copy of principals passport
Enlarged color copy of principals drivers license
Proof of principals home address

Add .5% for SWIFT MT 760 , MT 799

10M to 49M 1.5%

50M to 74M 1.3%

75M to 249M 1.2%

250M to 500M 1.1%

(501M and up Call for Quote)


BEST PRICE GUARANTEE we will beat any competitors price guaranteed

Should find a better legitimate offer please let us know so that we may adjust our fees.


We funded a client $10,000,000 with a different POF provider March 25, 2010. I have proof if you want to see it.

1 Peter 1:3-9
Blessed be the God and Father of our Lord Jesus Christ, who according to His abundant mercy has begotten us again to a living hope through the resurrection of Jesus Christ from the dead, to an inheritance incorruptible and undefiled and that does not fade away, reserved in heaven for you, who are kept by the power of God through faith for salvation ready to be revealed in the last time. In this you greatly rejoice, though now for a little while, if need be, you have been grieved by various trials, that the genuineness of your faith, being much more precious than gold that perishes, though it is tested by fire, may be found to praise, honor, and glory at the revelation of Jesus Christ, whom having not seen you love. Though now you do not see Him, yet believing, you rejoice with joy inexpressible and full of glory, receiving the end of your faith the salvation of your souls.

“If a man does his best, what else is there?”

– General George S. Patton (1885-1945)

We are available 7AM to 5PM M-F Pacific to serve you and those whom you choose to refer. Kindly visit our websites for more information and complete our online application so that we’re prepared before calling you.

Joe Tufo, Certified Cash Flow Consultant, Certified Capital Specialist

P.O. Box 844
Alamo CA 94507
925-691-8200 Direct to my desk
800-669-2700 Business
206-984-2853 Fax

How We Work

Fee and Commission Based.

Your #1 Alternative Funding Source. Call Us When Your Banker Says NO!!!

Business and Personal Lines of Credit $50,000 to $10,000,000, Large Project Funding $10,000,000 to No Limit, Commercial Loans, SBA Loans, Hard Money Loans, Church Loans, Factoring, Accounts Receivable Funding, Merchant Cash Advance.

Speaker, Writer, and Seminar Leader

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation.

Trust, Integrity, and Service: Here Today, Here Tomorrow

Please click on the link below to read our Disclaimer

How We Work

Approvals Asset Monetization Business Lines Of Credit Church Loans Film Funding In The News Large Projects Money Available Multi-Family Preparation Real Estate Projects Referral Partners S.B.A Loans Stock Loans

Why We Say NO! A Lot and Mean It

Many times throughout each day we receive calls from referrals, referral partners, past clients, current clients, prospective clients, or someone who Googled one of our websites.

Invariably, your project or start-up is “the greatest thing since sliced bread,” is a “billion dollar idea,” We’d “be a fool if we didn’t drop everything and devote all our time for free to get you funded.”

To each of you who expect us to work for free we have this to say – NO! NO! NO! A thousand times NO!


It’s not that we’re uninterested or impolite it’s just that we’ve heard it thousands of times. Here’s our responses:

  • Do we have the time?
  • Will we feel pressured to get it done?
  • Will we be upset with ourself?
  • Will we be resentful of the other person?
  • Will we feel duped, had, or swindled?
  • What do we have to give up to do this?
  • What can we gain (What’s in it for us?)

No is our first option instead of the propensity to say yes that emanates from wanting to please, wanting to be liked, needing to be needed, being timid, avoiding confrontation, not knowing our rights, or feeling: plain and simple, that we should.

We’re in the consulting and funding business. With 33 years (November 1976 to present) of financial services experience in insurance, securities, and finance we may be uniquely qualified to serve you and those whom you choose to refer.

We charge a fee because we do this full-time: 50 hours scheduled a week plus another 20+ working on the websites, writing articles and newsletters, recording audio and video, holding webinars and other tasks to help each  of you.

We take on committed paying clients and then focus all of our effort and energy in getting them funded.

Even at that we fail about half of the time.

In our 10+ years experience in this business about 1/3 of what crosses our desks we can fund (you may not like the rates, terms and conditions but we can fund you), 1/3 is DOA – Dead on Arrival – even with the thousands of pages of information we’ve published, dozens of books and courses we’ve published – let’s face it many of you can’t or won’t follow instructions, and the final 1/3rd is broken: your credit sucks, you have no business credit profile, you have more than three inquiries, you have derogatories, liens and judgments – you’re a mess and it will take days, weeks, months, or years to fix.

Business Lines Of Credit Church Loans Film Funding In The News Large Projects Money Available Preparation Real Estate Projects Referral Partners S.B.A Loans

Cash Flow Specialists FPA Meeting Questions

• What do you expect from us?

• What is your current pain?

• What keeps you awake at night?

• How do you see us helping you address these challenges and opportunities?

• What growth plans do you have?

• If price were not an issue, what role would you want us to play in your business?

• Do you expect capital needs? New financing?

• Do you anticipate any mergers, purchases, divestitures, recapitalizations, or reorganizations in the near future?

• We know you are investing in total quality service, as are we. What are the service standards you would like for us to provide you?

• How important is our satisfaction guarantee to you?

• How important is rapid response? What do you consider rapid response?

• Why are you changing professionals? What did you not like about your former firm that you do not want us to repeat?*

• How did you enjoy working with your former firm?**

• Do you envision any other changes in your needs?

• Are you concerned about any of your asset, liability, or income statement accounts to which we should pay particularly close attention?

• If we were to attend certain of your internal management meetings as observers, would you be comfortable with that?

• How do you suggest we best learn about your business so we can relate your operations to the financial information and so we can be more proactive in helping you maximize your business success?

• May our associates tour your facilities?

• What trade journals do you read? What seminars and trade shows do you regularly attend? Would it be possible for us to attend these with you?

• What is your budget for this type of service?

* We never denigrate the predecessor. First, this insults you and reminds you of a poor decision. Second, it diminishes respect and confidence in the profession as a whole and lowers the public’s perception of our professionalism.

** Even though you are changing firms, it is almost certain that you liked certain characteristics of the predecessor. We want to find out what those were and exceed them. For instance, if you said the prior firm always returned phone calls within one day, we strive to return phone calls within four hours.

Approvals Articles Church Loans In The News Large Projects Money Available Preparation Real Estate Projects S.B.A Loans

Cash Flow Specialists, Inc. Satisfaction Guarantee

Cash Flow Specialists, Inc. Satisfaction Guarantee

Mission Statement: To provide the best overall terms available for qualified commercial loans while providing the best follow-up and service in the market today.

To accomplish this we guarantee:

  1. Quick approvals and/or denials. Our experienced underwriters will look at your loan and give you quick answers–no long waiting periods!
  2. Our underwriters have done hundreds of commercial loans and actually will work with you to structure the loan for maximum approval. Often, just structuring the deal differently or adding back a one time item and pointing it out can get a deal that has been denied approved. Or get you more favorable terms.
  3. We will do this work for free, in essence giving you free pre-approval. No large upfront deposits!
  4. We will spell out to you in plain English the exact rates and points and terms that we can provide. If you accept it, we will collect a small upfront deposit but we GUARANTEE those exact terms or you are entitled to your money back. With us, you will only pay if we get you the best deal at the terms you have accepted! No strings or hassles–the way it should be.
  5. Every Friday (or at least weekly) we will update you as to the status of your loan. No more waiting for months for an answer because a loan is in “committee”. You’ll always know where you stand.

In addition, because we have access to local banks in all regions throughout the country, large nationwide lenders, and Wall Street money, we can almost always give you the best total terms available. Monthly payments on our loan products could be thousands less per month than on deals from your local bank. And our products will more often closely match your needs.

We ask only 3 things from you (here is the catch):

  1. Honesty. Let us know up front about the “issue” that might kill the loan. Chances are we can work around it given time. It will ultimately be found out; and if that happens just before closing, the deal dies and so does that lending source for future fundings.
  2. Help us by getting our required documents in a timely fashion. We never ask for documentation that is not absolutely necessary to close your loan. The faster we receive it, the faster we can get you funded.
  3. Agree to provide 2 referrals to us during your time in process. By having you tell others about us we can spend less time marketing and more time closing your loan.

Together, we can make your commercial loan process a smooth one.

Church Loans

Church Financing Loans.

Church Financing Loans.

You have found Cash Flow Specialists, Inc., the easy to understand and quick to close Church financing source  you have been hearing about. We make borrowing money for Churches easy. From our no tax returns, no audited financials, no CPA prepared financials up to our 90% Loan to Value down to the No Personal Guarantees needed on the loan.

— Current Church Loan Rates 1009—
Fixed Term Amortization Rate
5 20 5.95%
5 25 5.25%
10 25 5.85%
5 30 6.25%

Our Mission Statement is simple and clear: “Tell them honestly, charge them fairly and close them quickly”. We will always give you the honest answer, whether you like the answer or not. Simply put, we are different; the lender that we use only does Church Loans. The way we analyze and underwrite them is different; the people you talk to are different. We concentrate on the one thing that brought you to us. Your loan.

Our rates are some of the lowest available in the industry and our fees are more than reasonable. Take a moment to browse our Client Testimonials and list of Recently Closed Loans and you will see why we easily live by referrals. Not to mention our Referral Program is one of the best in the business.

Our Funding Sources have over 25 different loan programs available for Churches. Our Funding Sources have dedicated Loan Specialists that only work on Church Loans. Unlike a bank, they are not opening checking accounts one minute and doing a home loan the next. They work with, talk to, analyze and close church loans all day, every day.

Understand the loan process and get to know your team:

You will work with a team of three people from our company through the loan process. The first person on your team is the Loan Specialist; this is your advocate. His job is to present your loan to the underwriter in the best possible light while maintaining a strict code of honesty. The Loan Specialist listens to your requests and recommends loan programs, discusses the pros and cons of each program as well as the cost. Once a program has been identified, the specialist will draw up a contract for the church with the proposed loan terms.

The Loan Specialist and the Assistant (person number two on your team) then analyze and write up the transaction and submit it to underwriting for approval.

Once the loan is approved it goes to the third person; the processor. The processor is responsible for making sure all of the necessary reports are gathered and filed and the loan is properly documented. And of course Closed!

So whether your Church is looking for a loan to open a day care facility, build an extension, rehab its parsonage, construct a new building or any other purpose we would love to have your business and we will remind you of it every time we talk.

People still call and ask if we do Church Loans; after 10 years of the same question I like to answer by saying: “Our funding sources do more church loans than anyone else we know!”

We look forward to helping your church.

Joe Tufo

Cash Flow Specialists, Inc.

P.S. Here are some program details you might like to know:

Highlights of our Funding Sources Programs

  • NO personal guarantees*
  • NO tax returns*
  • Up to 30 year loans with fixed interest rates and no balloons*
  • NO Upfront Fees*
  • NO Audited Financials*

*Subject to Program Guidelines.

Please feel free to contact us with any questions you may have. If you would like to apply for a loan please call us at (800) 669-2700 or submit your loan request online by clicking the link below.

P.P.S. For those churches that have credit issues or have had problems with their prior loan we have programs for you. With Interest Only payments or long amortizations we can help you get back on your feet. Let’s face it, things happen and they are not always good. Even if you are marching in the right direction and to the right drummer you can still trip occasionally. Our job is not to judge, just to solve and get you back on your feet.

Apply Online or call one of our specialists to go over your request.

Church Loans

Recently Closed Church Loans By Our Funding Source

Celebration Covenant $24,500,000
Church In The Now $18,500,000
Light Global Missions $10,500,000
Mount Moriah AME Church $8,200,000
Higher Call International $7,600,000
Capital Community Church $6,550,000
New Spirit Revival Center Inc. $4,700,000
Bethlehem Temple $3,750,000
Christ Apostolic $3,500,000
The Hindu Temple of Metropolitan Washington $2,750,000
World Mission Marantha $2,659,000
Friendship Baptist Church $2,550,000
Hunter Memorial AME Church $2,430,000
United Christian Fellowship $2,400,000
BCC Life Changing Ministries $2,265,000
Christian Church of Christ at New Cut $2,200,000
Sacramento Zion Presbyterian $2,080,000
Providence Baptist Church $2,061,000
Christ Cathedral Church $1,800,000
Florida Bible Church $1,800,000
Chistian Life Missionary Baptist $1,800,000
Montessori School – Santa Cruz $1,265,000
Full Gospel Church of Deliverance $1,250,000
House of Judah, Inc $1,200,000
Grace Chapel of Indio $1,100,000
Pleasant Grove $1,070,000
Southeast Valley Baptist Church $1,050,000
Apostolic Worship Center $1,000,000
Faust-New Hope Revival $950,000
Pillar of Glory $950,000
The Washington Sae Han Presbyterian Church $936,432
Mount Zion New Covenant $920,000
Bible Baptist $885,000
Emmanuel Ministries $810,000
Christian Growth Ministries $800,000
Leviticus Church of God in Christ $790,000
French Speaking Baptist Church $750,000
Cedar Springs Community Church $735,000
Disciples Way Worship Center $732,000
Templo La Hermosa $700,000
New Beginning M.B. Church $656,000
Heart of God Family Worship Center $655,216
Faith Outreach Center $580,000
Christ Missionary Baptist Church $551,700
First Korean Presbyterian Church of Maryland $550,000
St. John AME $547,000
One Faith Fellowship $500,000
Truth Apostolic Community Church $500,000
Inglesia Church $496,000
Church of the Living God $490,000
Church of the Living God $478,304
Life Changers Christian Center $475,000
Full Life Gospel Church of Deliverance $457,100
International Faith Christian Fellowship, Inc. $456,000
One Accord Christian Ministry $450,000
Community New Life Deliverance $445,000
Mount Olive Baptist Church $444,000
La Ultima Church $422,500
New Day Church $415,400
First Tongan Assembly of God $412,500
New Antioch Holiness $412,000
Mt. Carmel Christian $401,000
Iglesia Alfa Y Omega $400,000
New Jerusalem MB of Ocala $400,000
Calvary Apostolic Church $380,800
Tree of Life Missionary Baptist $380,000
Ephesians New Testament Church of God in Christ $374,000
World Wide Christian Ministries $370,000
Living Water $365,000
East Bay Hindy Community Center $360,000
The Living Word Church $356,000
Iglesia Roca de Salvacion $344,000
Heavenly Temple $338,000
Higher Praise Outreach $320,000
Christian Life Church $320,000
El Bethel Full Gospel Christian Center $315,000
Faith Christian Assembly $310,000
Pentecostal Church Triumphants of Jesus Christ $300,000
Greater Apostolic Outreach Holy Church of God $300,000
Pembroke Bibleway $300,000
Word is Alive $300,000
Centenial Caroline St. United Methodist Church $300,000
Faith Community Church of Phelps/Wellsprings $300,000
Cornerstone Church of Christ $288,759
Rehobeth Temple of Praise $285,000
Grace Bible Church $270,000
Glorious Church of God in Christ $264,000
Mountain View Church Ministries, Inc. $260,000
Grace Bible Church $254,000
St. Johns Reformed Episcopal $250,000
Pillar, Ground & Truth Church of God $250,000
Granada Hills Church of Religious Science $250,000
New Covenant Full Gospel $249,000
City of Refuge Prayer and Deliverance $248,000
Full Gospel Church of Deliverance $225,000
Advancing Christ Kingtom Ministries $225,000
Monument of Faith $210,000
New Covenant $200,000
Rising Sun Baptist Church $200,000
Citadel of Life Cathedral $195,000
St. Phillips Baptist Church $195,000
Trinity Temple Ministries $188,000
Templo de Adoracion $185,000
St Mark AME Church $180,000
Jesus Love Temple $175,000
Victory in the Word Church $170,000
Iglesia Bautista Renovacion $165,000
Tabernacle Worship Center $165,000
CBC Memorial Apostolic Church $155,000
Agape 1st Church of Christ $150,000
Grace and Truth Temple of God $150,000
Supreme Highlights Ministries $150,000
The Glorious Christian Ministries $150,000
St Michael Ethiopian Orthodox $150,000
Continuous Flow Christian Center $140,000
For Your Christ Ministries $135,000
New Life Covenant $126,500
Praise Tabernacle $125,000
Rising Ebenezer Baptist Church $123,250
Full Gospel Zion Church $120,000
Body of Christ Refuge $120,000
St Thomas AME Zion Church $110,000
The Deliverance Church of Jesus Christ Apostolic $100,000
Greater Mt. Calvary COGIC $100,000
Iglesia Bautista Hispana de Gaithersburg $100,000
Heart of America Church, Inc. $80,000
LaPrimera Iglesia de Dios $80,000
Try Jesus Ministries $75,000