Cogo Capital

What Cogo Capital does

Cogo Capital is a private money wholesale lender that originates asset-based hard money loans for real estate investors across the United States. The company operates as a subsidiary of Secured Investment Corp., delivering products through a broker channel rather than direct-to-consumer, with a broker network of over 6,700 trained intermediaries. Cogo Capital's stated founding year is 2017, though the firmographic record references 2012; the company has since cumulatively funded $164 million across 1,968 loans in nearly all 50 states.

The company's core product suite spans Fix & Flip Loans, Bridge Loans, DSCR Rental Loans, Construction Loans, Commercial Loans (launched June 2024), and Bridge Jumbo Loans. These are supported by a digital ecosystem that includes a digital mortgage platform, the My Cogo Nation broker portal, CogoBox for loan management, an MAO Calculator, and a Collateral DNA Report (CDNA) for property analysis. The primary technical differentiator is asset-based underwriting, which evaluates the property and project rather than relying on borrower tax returns or personal income documentation, enabling faster decisions in competitive real estate markets. The platform is positioned as a streamlined, broker-friendly workflow rather than a proprietary AI system.

Cogo Capital generates revenue through interest rate spreads on its loan portfolio (a case study cited an 11.50% note rate versus a 9.00% sold rate), origination fees and points, and broker-paid transaction fees in its wholesale model. Customer segments include fix-and-flip investors, rental property investors, construction developers, bridge loan borrowers, new investors, and a network of real estate brokers who originate loans on the company's behalf. The company is led by Lee Arnold (CEO/Chief Visionary Officer) and Jaclyn Olsen (President), with Michael Jerrow as COO and Jenn O'Callaghan as CMO.

Name

Cogo Capital

Legal name

Cogo Capital, LLC

Website

https://cogocapital.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Cogo Capital is a private money wholesale lender that provides asset-based hard money loans—including fix-and-flip, bridge, DSCR rental, construction, and commercial loans—to real estate investors nationwide, distributed primarily through a network of trained brokers.

Ownership category

akta.pro rank

Product category

Private Money / Hard Money Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

akta.pro secondary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Private money lending
• Hard money loans
• Fix and flip financing
• Real estate investment lending
• Asset-based lending

Headquarters

HQ city

Coeur D'alene

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Interest Income: Cogo Capital generates revenue primarily through interest charged on private money loans. In their case studies, they show note rates (e.g., 11.50%) and sold rates (e.g., 9.00%) indicating spread income.
2. Origination and Points Fees: Loans include origination fees and points charged at closing. This is standard in the hard money lending industry.
3. Broker Fees: The company pays brokers for originating loans, creating a wholesale distribution model where brokers earn fees for bringing deals to Cogo Capital.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Cogo Capital is a national private money wholesale lender that originates asset-based hard money loans for real estate investors. Its loan portfolio includes Fix & Flip, Bridge, DSCR Rental, Construction, Bridge Jumbo, and Commercial loans, delivered primarily through a nationwide broker network and supported by a digital mortgage platform, broker dashboard (My Cogo Nation), and automated property evaluation tools. The company funds acquisitions, renovations, new construction, and rental portfolio growth across nearly all 50 U.S. states.

Product overview

Cogo Capital is a full-service private money wholesale lender offering a portfolio of hard money loan products designed for real estate investors. The core product suite includes Fix & Flip Loans, Bridge Loans, DSCR Rental Loans, Construction Loans, Commercial Loans, and Bridge Jumbo Loans. These loan products are supported by a digital ecosystem comprising CogoBox for loan management, the My Cogo Nation broker portal for broker operations, the MAO Calculator for property valuation, Collateral DNA Report for deal analysis, and Proof of Funds Letter generation. The company operates primarily through a broker network, offering training through the Broker Academy and eCLASS programs, enabling brokers to assist investors in building real estate portfolios across fix-and-flip and long-term rental strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix & Flip Loans
• Bridge Loans
• DSCR Rental Loans
• Construction Loans
• Commercial Loan Program
• Bridge Jumbo Loans
• CogoBox
• My Cogo Nation (Broker Portal)

Quantifiable outcome

• Loans can be funded and closed in under 30 days
• +1 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Secured Investment Corp.coreOthersSecured Investment Corp. is the parent company of Cogo Capital, operating under the 'Secured Investment Corp. Family of Companies' along with The Lee Arnold System of Real Estate Investing, Lake City Servicing, REIClub, SendFuse, Circle of Wealth Fund III LLC, and Secured Investment High Yield Fund II, LLC. Cogo Capital is an assumed business name of Secured Investment Corp.
• Microsoft AdvertisingminorGTM or Marketing PartnerMicrosoft Advertising partnership for targeted advertising campaigns, capturing how users interact with the website through behavioral metrics.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kiavi: Kiavi (formerly LendingHome) is one of the largest fintech-enabled hard money lenders for real estate investors, offering bridge and fix-and-flip loans nationwide. It directly competes with Cogo Capital on asset-based underwriting, speed, and broker/borrower experience.
• Lima One Capital: Lima One Capital is a private money lender specializing in fix-and-flip, rental (DSCR), and new construction loans for real estate investors. Its product mix and target borrower closely mirror Cogo Capital's core offerings.
• Anchor Loans: Anchor Loans is a major California-based hard money lender focused on fix-and-flip and rental portfolio loans for real estate investors. It competes head-to-head with Cogo in the wholesale hard money market.
• CoreVest Finance: CoreVest Finance is a direct lender to residential real estate investors, with a strong focus on DSCR rental and bridge loans. It is a close competitor in the rental/DSCR segment where Cogo has expanded its product suite.
• LendingOne: LendingOne provides hard money bridge and rental loans to real estate investors nationwide, with both direct and broker channels. Its product portfolio and investor focus overlap substantially with Cogo Capital's.
• RCN Capital: RCN Capital is a private money lender offering fix-and-flip, rental, and multifamily loans distributed through a broker network. Its wholesale model and SMB investor focus make it a close peer to Cogo Capital.
• Groundfloor: Groundfloor is a fintech real estate investment platform that lends to fix-and-flip investors and also offers fractional debt investments. It overlaps with Cogo in the hard money lending space while operating a distinct crowdfunding capital model.
• Visio Lending: Visio Lending specializes in DSCR rental portfolio loans for real estate investors, a product line Cogo has explicitly entered. It is a direct competitor in the long-term rental financing segment.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and investor-focused residential lender with a broader product set including DSCR, bank statement, and foreign national loans. It competes with Cogo in the non-QM investor space while operating at greater scale and capital markets sophistication.
• NewRez (Shellpoint Mortgage Servicing): NewRez is a large non-QM and specialty mortgage lender with significant DSCR and investor loan offerings. As a much larger incumbent, it competes with Cogo on rental and investor products but operates a fundamentally different scale and distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@cogocapital
• Facebookfacebook.com/CogoCapital
• LinkedInlinkedin.com/company/cogo-capital
• Instagraminstagram.com/cogo_capital
• Xx.com/CogoCapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cogo Capital