Lender profile
Cogo Capital
private money · Coeur d'Alene, ID · founded 2008
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with Cogo Capital before relying on them.
Cogo Capital funds through a private capital pool rather than an institutional warehouse line, and its products include rental financing alongside fix-and-flip and bridge loans. That flexibility comes at a price: rates run 11%-14%, with loan sizes from $50,000 to $2,000,000 at up to 70% LTV / 85% LTC. Cogo Capital is a private money lender, founded in 2008, headquartered in Coeur d'Alene, ID, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, bridge, rental. On the deal itself, Cogo Capital publishes loan sizes from $50,000 to $2,000,000 and leverage up to 70% LTV / 85% LTC.
No SEC filing establishes a corporate-ownership relationship for Cogo Capital— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with Cogo Capital before relying on them.
Published facts
Loan size
$50,000 – $2,000,000
Max LTV
70%
Max LTC
85%
Rate range
11% – 14%
Points
2 – 5
Terms
6-12 months
Close time
7-14 days typical
Cogo Capital does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Cogo Capital is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
No SEC registrant found. The only substantive full-text hit is a private Reg A fund (Circle of Wealth Fund III LLC) naming Cogo Capital as a licensed loan originator/servicer in its offering circular — a business relationship, not a filed ownership relationship.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What Cogo Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Cogo Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, Cogo Capital has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
Strengths
- Private-capital funding outside standard DSCR guidelines
- Rental financing alongside fix-and-flip and bridge
- Loan sizes from $50,000
- 6-12 month terms
Who this lender suits
An investor whose rental, flip, or bridge deal doesn't fit standard DSCR guidelines and needs private-capital flexibility instead
Deal scenarios Cogo Capital clears
Cogo Capital does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what Cogo Capital has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Cogo Capital compares
Cogo Capital is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Cogo Capital's published figures side by side with any other lender's profile directly. Open the directory.