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Do you need business loans, startup capital, or project funding?

Do you need business loans, startup capital, or project funding?


We fund viable projects of societal value globally. Our sweet spot is $50million to $6billion but we have funded larger and smaller projects.

We solve problems and serve.

In Your Service,

Joseph P. Tufo

Cash Flow Specialists, LLC

Certified Cash Flow Consultant,

Certified Capital Specialist

925-352-6000 Cell

800-669-2700 (USA Only) 






Skype: jptufo  
LinkedIn: http://www.linkedin.com/in/joetufowww.linkedin.com/in/joe-tufo-l-i-o-n-CFSI

Facebook: http://www.facebook.com/joetufo

Twitter: https://twitter.com/joetufo

Commercial Real Estate Loans, Business Funding, Project Funding, Specialized Tax Credits, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More... 

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

Trust, Integrity, and Service Here Today Here Tomorrow

You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area 

Fund your viable projects of societal value now!

http://Emergencybusinessrelief.com/161423 Our Average Client Receives $240,000 in Tax Benefits!

Proverbs 16:3  Commit to the LORD whatever you do, and he will establish your plans

Available 8 am to 6 pm Pacific Monday - FridayThe greatest compliment we ever receive is referrals from ecstatic clients and valued friends. They're the most powerful introductions, that help us help others, quickly, ethically and dramatically grow their businesses. Thanks for not keeping us a secret! 



Sender declares that he is not a licensed United States Securities Broker or Dealer or U.S. investment adviser, and both parties declare that this e-mail is not intended for the buying, selling, or trading or securities, or the offering of counsel or advice with respect to any such activities. **By accepting and opening this email, you have agreed to a binding non-disclosure & non-circumvent that ensures complete confidentiality between the reader and creator of the contents/attachments presented in this e-mail, which further prohibits any promotion, discussion, replication or additions without the consent of Cash Flow Specialists, LLC *The content of this e-mail does NOT constitute a contract of services or promise of services or investment or promised investment capital toward any concept, idea or project referenced or directly addressed in the body or relating portions of this e-mail. This e-mail is merely designed as an exchange of ideas.** This email transmission and any attachments are for the sole use of the intended recipient(s) and may contain confidential and privileged information that is the sole property of Cash Flow Specialists, LLC  Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender and destroy and delete all copies of this email and any attachments. These Confidential communications are protected under Gramm-Leach-Bailey Act 15 USC, Subchapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. 

$50Million to $6Billion Funding! Begin Tranching In 30 Days!

$50million to $6billion Funding!

Let’s Get The USA and The World Back To Work!

Fund Your Viable Projects NOW! $50 million to $6billion, begin tranching in as little as 30 days!

The 3.5% Collateral Fee has been slashed to $100,000 to cover legal and miscellaneous fees. The time to fund has been reduced to as little as 30 days to begin tranching from 45 to 60 banking days. This is “the deal of a lifetime” for those who take action NOW!

Until recently it was $3,500,000 for $100million in funding, and $35million for $1billion in funding. 

This new, limited time, program is a flat charge of $100,000 for legal and miscellaneous fees due when you sign your contract, no exceptions. 

If your project is located in the USA and you bank with JP Morgan Chase, Bank of America, Wells Fargo, or Citibank you will begin tranching in as little as 30 days after you pass due diligence, sign your contract, and wire the legal fees. 

If you bank with a Top 25 bank globally you will receive your first tranche in about 30 banking days. The amount is determined by the funder from your use of funds you provide with your application. Don't forget our 10% commission is subtracted from each tranche so please adjust your "ask" accordingly. The banks also subtract 2.5% as a "tranching fee."

Deloitte monitors your project progress, it doesn’t get any better than that. 

For every benefit, there’s a cost, and the cost of this program is "on sale" for an indeterminate amount of time. 

There are trillions of dollars available, don’t miss out like 97% of businesses in the USA recently did when the SBA ran out of stimulus money.

This is our attempt to jump-start viable projects of societal value almost everywhere in the world.

Commissions are 10% because the funding is non-recourse after the loan is paid back by the Collateral Provider in about a year. You save 300 +/- payments saving you a bloody fortune.

Some, who want an ongoing business relationship, and want to leverage my 43+ years experience in insurance, securities, and funding including being president of a Los Angeles based commercial lender and chairman of the loan committee, have chosen to award us equity. Three have done that recently.

Collateral Provider Procedures

“The No-Brainer Transaction”

1) Upon receipt of documents (CIS, Project Summary, D/L (US citizen only) or Passport and POF of $100,000 for legal and miscellaneous fees, CFS LLC 10% Commission Fee Agreement, CFS LLC Mutual NDA) and final explanation call with the client if required if necessary.

2) The client will submit the requested documents to the provider.

3) The provider issues the contract and sends directly to the client.

4) Client signs and returns the contract to the provider. 

5) The client wires a deposit of $100,000 for the legal and miscellaneous fees to the holding account identified by the collateral provider.

6) The client notifies the collateral provider that the fee has been wired and a copy of the receipt is provided.

7) Provider confirms with that wire is indeed received.

8) The provider notifies CFS LLC (Tufo) when the wire clears.

9) The provider sends the loan doc's to the client. 

10) Legal fees are automatically returned if the loan does not go through, but has nothing to with the provider side. The refund is made by the Overseas Partner if the loan fails to fund.

11) Our overseas partner contacts the client and walks them through the loan application.

12) Collateral provider and associates funds $50M- $6B (more on a case by case basis.)

  • Commodities 
  • Assets 
  • Hotels and Resorts 
  • Commercial Developments
  • Construction Projects
  • Energy Projects
  • Waste to Energy
  • Plastics Recycling
  • Office Building Complexes
  • Working Capital
  • Real Estate Based Programs
  • Commercial Turnaround and Development
  • International Development/Construction
  • Apartment Complexes and Condo Developments
  • Infrastructure Development of Third World Countries
  • International Mining and Agriculture
  • Water, Energy, and Green-Related Projects
  • Business Growth and Expansion Projects
  • Casino’s
  • Oil
  • Airport
  • Marina
  • Amusement Park
  • Shopping Center
  • Leveraged Buy-Out
  • Corporate Jets
  • Hospital

Can aggregate projects

Needs collateral to get funding has the $100,000 for “skin in the game.” 

CIS, Detailed Use of Funds, Color Scan Passport (outside the USA), or Driver’s License (the USA only), screenshot bank account to cover the $100,000 for legal and miscellaneous fees, CFS LLC Fee Agreement, CFS Mutual NDA.

Email your Executive Summary to joe@joetufo.com or jptufo@protonmail.com and we’ll send you the paperwork. 

Remember the minimum funding is $50 million, $6 billion maximum. The maximum approved to date is the first $6.6 billion project of multiple billions in projects here in the USA.

I’ve known the Collateral Provider for about 15 years. I visited with he and his wife and a prospective client on Friday, June 7, 2019, in Irvine California USA. If Shelter in Place is lifted in California we will meet soon. 

We have a $2,997 three-day one hour a day live video challenge/training and Q&A teaching self-funding/capital raise for those unfamiliar with the concepts. Save 300+/- payments when you learn to self-fund/capital raise versus borrowing and living under the burden of debt. 


The $50million to $6billion+ Collateral Provider Program is unique. It’s non-recourse after the Collateral provider pays off the loan by the end of year one. It requires just $100,000 (formerly 3.5%) as a "cost of doing business." At funding, there's a 10% commission paid from proceeds. There's also a bank 2.5% tranching fee. There's no loan obligation so clients save 300 +/- monthly payments, MAI appraisals, annual audited financials, and refinances every five years and the time and stress associated.

When you get ready to move forward, we need everything in ONE email. If you don't have these items please write me at either joe@joetufo.com or jptufo@protonmail.com (encrypted.)

CIS (Client Information Summary)

Executive Summary (you can use of our templates or create your own.)

Use of Funds



Color Scan of Passport front and back (outside the USA) or 

Color Scan of Driver’s License front and back (the USA only)

Bank Statement proving you have the $100,000 to transact business.

Don’t procrastinate. Let’s get you funded now.

My business is saving you money. I want to go to work for you. 

Billions of $$$ of relief.


In your service,

Joseph P. Tufo


San Francisco Bay Area

925.352.6000 Direct, WhatsApp, Telegram, IMO, Viber, Signal

Skype: jptufo



Available 8 am to 6 pm Pacific M-F.



Disclaimer: The information contained on these pages is for educational use only, for the intended recipient. The sender is not a securities dealer, financial advisor, broker or titled entity. If you require financial advice, consult a licensed professional. 



"The typical commercial mortgage brokerage company fails within three years."  If there are 50 commercial mortgage brokerage companies on my mailing list in year one, by year three that list is usually down to just ten to twelve surviving brokers."

Construction loans are very difficult to close because 99% of developers who seek out a commercial mortgage broker for a construction loan do not have enough equity in the deal. 

Are any of you guys savvy stock pickers? 

If so, you might want to consider shorting those companies which provide services to the construction industry.  For example, those companies that manufacture, deliver, and/or set up huge construction cranes are likely to face some tough years ahead.

Why?  There may be very little new commercial construction - apartments, office buildings, shopping centers, residential subdivisions - over the next three years.

The reason why is because the banks have stopped making new commercial construction loans.  Banks are terrified right now, and the first thing that banks do when they get scared is to stop all commercial real estate lending.  

This lending freeze is especially true of commercial construction loans.  I have lived through three commercial real estate crashes in my forty+ years in financial services - the S&L Crisis, the Dot-Com Meltdown, and the Great Recession.  Each time commercial real estate declined by almost exactly 45%.  Remember that number - 45%.  Commercial real estate may decline by 45% again as a result of this Coronavirus Crisis.*

It's almost like a game of musical chairs. 

Whichever banks are caught with construction loans outstanding are the ones that take the largest losses during the commercial real estate crashes that seem to happen about once every twelve years.

It is important to grasp the concept that local commercial banks make 95% of all commercial construction loans. 

Construction loans are are funded gradually, as the work progresses.  If you just gave a developer $50 million to build an apartment complex, he's likely to skip the country, along with his girlfriend/wife to some sunny beach to South America.

Because his girlfriend/wife looks awfully good in a string bikini, we simply cannot trust Don Developer with all of the money at once. 

Instead, the proceeds of the construction loan are paid directly to Don's subcontractors, and they are paid only after the subcontractors have correctly completed their work. The bank has to sign off on this work too, after it has made a progress inspection. A progress inspection is a quick inspection by a bank employee to verify that certain construction work has been properly completed.

Every ten or fifteen days the bank has to send a loan officer out to the construction site to take a look at the progress of construction.  The subcontractors will be clamoring to get paid.  Some huge New York bank, for example, couldn't possibly fly a loan officer all the way out to Phoenix every two weeks to make these inspections.  

This is why commercial construction loans are almost always made by local banks.

"But Joe, if the banks are too scared to make construction loans right now, why can't some other type of enterprising commercial lender start making them?"

There are several problems with this.  First of all, banks offer construction loans at rates as low as 4.25%.  I actually had to look up the current rate on commercial construction loans for this blog article, and do you know what I did?  I actually called several banks and private lenders. 

A competing commercial real estate lender (private money lender) might have to charge 8% to 11% for a construction loan, and that higher interest cost would cut deeply into the developer's profit.  An extra 4% interest on a $50 million construction loan is real money.

The second problem is that construction loans have to be disbursed as the work progresses.  That means that the lender has to sit on his dough, not earning any meaningful interest, until the developer is ready to draw down on his loan.  That's not very attractive for non-bank commercial lenders (think private money lenders).

The private money lender could fund the entire loan proceeds into a builder's control account and demand that the developer pay interest on the entire loan amount from Day 1; but this would be horribly expensive for the developer.  A builder's control account is an independent escrow set up to hold the proceeds of a construction loan until certain work is done.

The last problem with having a private money commercial lender make construction loans is that the lender will often be located too far away to make timely progress inspections.  Suppose the lender is based in New York City and the project is located in Maui. Progress inspections would be hard... but not impossible.

It has occurred to me that a great many developers across the world have started residential subdivisions, and they personally guaranteed their acquisition and development loans ("A&D").  They had their normal bank all primed to make the construction loan, once the horizontal improvements were in place.

An A&D loan is a loan to a developer to buy the land, to get it properly zoned, and to complete the horizontal improvements.  It's like a pre-construction loan.

Horizontal improvements including the clearing of the land, grading of the land, compacting the land, and installing streets, curbs, water, sewer, and power.

Now imagine you're a very good homebuilder, a responsible guy who tries not to use excessive debt or take too many chances.  You have successfully built out and sold off five previous residential subdivisions.  You have built up a respectable $70 million net worth.  You take out a $50 million A&D loan on your next subdivision.

Suddenly the Coronavirus Crisis hits, and the $50million balloon payment on your A&D loan, which you have personally guaranteed, is due in just three more months.  Your bank notifies you that they will not be making any construction loans for the foreseeable future.  You contact two dozen other banks, and they all say the same thing.  "Quick, Jack, what do you do?"  (Famous movie line.  Can you name it?  Hint: The bad guy lost a finger defusing a bomb.)

I think there is a real opportunity for some mortgage funds, if any of them have survived, to fund the completion of this project for the developer and to charge him an equity kicker of an absolutely insane percentage (85%?) of the profits. 

What choice does the developer have? He personally guaranteed the A&D loan!  He simply must get out from under that personal guarantee.

An equity kicker is additional interest, in addition to the nominal interest rate, that takes the form of a share of the increased value of the property or a share of the profits upon sale.  A common equity kicker might be 10% to 30%.  The nominal interest rate is the interest rate stated or "named" on the note.  


If your brother-in-law is a union carpenter, he would be smart to apply right now for a job delivering goods for Amazon or Wal-Mart.  His construction job is not coming back.  There will be very few commercial construction loans funded over the next three years, which translates to very few required construction jobs.

*President Trump and the Fed are determined not to let commercial real estate fall by 45% again, so they are using massive deficit spending and even more massive quantitative easing to keep the U.S. economy from deflating like a pierced balloon.  The problem is that China is not taking similar inflationary steps.  I fear a deflationary tidal wave coming from China later this year, and that wave will impair much of Trump's and the Fed's inflationary efforts.  

What does this have to do with our $25,000 VIP Fee? 

$25,000 is a relatively small amount of money compared with the $50 million to $6 billion we have available through the 15+ year relationship I have worked very hard to maintain with a USA based commercial funder who has a trillion$+ in private aggregated funds to provide funding for viable projects of societal value globally. 

$25,000 separates the tire-kickers, know it alls, and time wasters from the serious action takers who value my time, funding relationships, and 43 years experience in insurance, securities, and funding. 

At age 69 I can’t afford to waste time. $25,000 insures that only serious minded responsible clients will apply. 

I can put my head down, focus on the very best possible presentation (funding is all about presentation,) and be confident we will get their project(s) funded in a timely manner. 

All fees paid are credited against commissions so the service is free.

If you live in the USA only:

My business is saving you money. I want to go to work for you. 

Billions of $$$ of relief. 


In your service,

Joseph P. Tufo


San Francisco Bay Area






Disclaimer: The information contained on these pages is for educational use only, for the intended recipient. The sender is not a securities dealer, financial advisor, broker or titled entity. If you require financial advice, consult a licensed professional. 

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