Overview
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Cogo Capital is based in Coeur d'Alene, ID and was founded in 2008. They operate nationally and offer fix-and-flip, bridge, rental financing. Their loan amount range runs from $50K to $2.0M.
Key terms at a glance
| Loan type | Private money / relationship-based |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Geographic coverage | National |
| Loan size | $50K – $2.0M |
| Interest rate range | 11% – 14% |
| Origination points | 2 – 5 |
| Max LTV | 70% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 6-12 months |
| Typical close time | 7-14 days typical |
Strengths
- private capital pool
- flexible underwriting
Ideal borrower
Investor needing flexible private money for specific deal types
How Cogo Capital compares for Chicago investors
For Chicago metro investors specifically, Cogo Capital operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As a private money operator, their underwriting is relationship-driven — track record and deal-specific characteristics matter more than templated criteria.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Cogo Capital FAQ
Yes — Cogo Capital operates nationally and regularly funds Chicago-area deals As a private money lender, deal-by-deal underwriting applies.
Cogo Capital's indicative rate range is 11%–14% with 2–5 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Cogo Capital's typical minimum loan is $50K, with maximum loan size up to $2.0M.
Cogo Capital's typical close timeline is 7-14 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Cogo Capital offers fix-and-flip, bridge, rental financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor needing flexible private money for specific deal types
This review is an independent directory listing. Hard Money Chicago is not affiliated with Cogo Capital. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.