How I Work

I have more than 40 years experience in Insurance, Securities, and Finance. I have directly or indirectly funded billions in loans.

Our websites have hundreds of articles, endorsements, and testimonials. Invest a couple of hours to learn what can be done to successfully fund your Commercial Real Estate Projects or Business Loans.

For more Information on our company CFSI and me kindly visit or our website at and learn more about our programs.

I'm not going to read hundreds of pages of business plans, financial statements, and other items sent to me without compensation. It just takes way too long to study that many pages. I'll do 30 minutes free and then it's $1,000 an hour.

The most successful whom I fund meet me in San Francisco at Alioto's Restaurant on Fisherman's Wharf, or either BJ’s Restaurant or Vic Stewart’s Restaurant in Brentwood, and buy me lunch or dinner.

Some choose to pay me a fee of $10,000 a month. They are treated as VIP’s, receive extended business hours, priority on all calls or visits, and have the amount in fees credited back against commissions.

I’m not in the fee business and I’m not in the work for free business either. Too many want me to hold them by the hand and I won’t do it without fair compensation, which is credited against commissions at successful funding.

The Bible states in I Timothy 5:18b that "The laborer is worthy of his wages."

The minimum loan I fund is usually $3million. There is no maximum limit. The commission paid is up to the client.

Some pay a combination of commission and equity. Recently, one offered 5% commission and 3% equity, another offered 4% commission and 6% equity, another offered 5% commission and no equity. If you’re fair we proceed, if not I pass.

It takes me, on average, 33 hours of pure uninterrupted time to fund a transaction. I have about 2,000 hours available to fund loans so that means I can possibly fund 60 loans a year or about five loans a month. That’s it. I don’t work 24/7 unless you pay me a fee for service. I sleep, on average five hours a night, that means I have 19 hours in my day six days a week. Sunday is for worship and family - NO EXCEPTIONS! DON’T EVEN ASK!

I vacation a few weeks every year. VIP’s have access - all others…

I’m available 8am to 6pm Pacific any day but Sundays and Holidays. You may call me at 1.925.352.6000 cell or What’s App or jptufo on Skype.

I work by a schedule and do the best that I can.

If I don’t answer it’s either because I’m in a meeting, on my cell, or focusing on getting a project done.

I am focused and persistent. I will never quit.

I return all calls the same or next business day.

I am 66 years old, a husband of 43 years, a father of three, and grandfather of two.

God is #1 in my life, my Family is #2, Business is #3, and everything else is #4.

Prospective clients MUST have viable Commercial Real Estate projects or need Business Loans in acceptable countries of Societal Value. An Executive Summary of 2 to 10 pages can be sent to for consideration.

Depending on the funders program you may pay $500,000 with an investment bank that funds $10million to $2Billion to 5% down for a USA funder that funds $3million to billions, to 20% down with a European Bank that funds $5million to multiple billions to 30% down for PFP’s membership based program that funds $100,000 to $250 million. It's all explained in the articles. Interest rates are generally 4% to 5% fixed up to 25 years.

Here to serve you and those who you choose to refer.

Thank you.

Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, Inc.

Certified Cash Flow Consultant, Certified Capital Specialist

1-925-352-6000 Cell

Skype: jptufo




Commercial Real Estate Loans, Business 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

Available 8am to 6pm Pacific Any Day But Sunday And Holidays


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