The Nation’s Best Residential Finance Provider

What is the Circle of Wealth?

It's the center of everything we do!

Through our Circle of Wealth philosophy, we provide access to resources and services to those interested in achieving and furthering financial freedom through real estate investing — either as a hands-on fixer upper or a savvy passive income lender.


It’s where novice real estate investors discover how they can successfully invest in real estate through finding, financing, and selling real estate for a profit. We call this the Real Estate Learning stage and it is included in the Real Estate Investing hemisphere of the Circle of Wealth. In this stage, an investor actively works to create income. We call this Active Income.


The Active Income stage starts with an investor finding a great investment, or “deal,” and then borrows to fix and flip the property for a profit; or they will fix and hold the property for a positive cash flow. A Private Lender provides funding through a Private Money Loan. As an investor assembles a portfolio of successful deals and properties, their Active Income grows to create wealth. As this wealth grows, an investor can move from Active Income to Passive Income.


Passive Income is achieved through being a Private Lender where an investor now turns their focus on lending rather than borrowing. Through lending to borrowers, a Private Lender takes a more passive role in the Circle of Wealth. As a peer-to-peer lender, a Private Lender continues to grow their wealth by providing the needed capital to Active Income investors, thus completing the Circle of Wealth. Individuals can enter and progress through the circle at any point, and can be Active or Passive Investors at any given time. It is through this Circle of Wealth that Secured Investment Corp, our parent company, works with real estate investors through its management of real estate lending funds.

Join the Circle of Wealth

It’s the center of everything we do, everything we teach, and everything we want for our customers, our students, our financial clients, and our investors.


Enter the Circle of Wealth anywhere. Enter it as a newbie real estate investor or as an experienced one. You can enter as as borrower or a lender or even an Internet marketer. One of our most popular entry points is as an Independent Certified Private Money Broker.

For real estate investors, we have the Nationwide Funding Tour — the event that starts it all. There, you are exposed to the all-encompassing nature of what we do. But we provide a lot more, all designed to get you traveling along the Circle of Wealth.


Through our sister company, The Lee Arnold System of Real Estate Investing, we provide training to real estate investors, independent private money brokers, marketers, and entrepreneurs in general.


We give borrowers access to private capital for investing in real estate through Cogo Capital, our wholly owned lending division.


We provide ways for people to make money at home simply by connecting borrowers with lenders and services to cater to more sophisticated investors’ borrowing needs.


And for those accredited investors who have mastered the Circle of Wealth, we manage a portfolio of funds that also provide money to real estate investors.


It’s the Circle of Wealth. It’s what we do!

Send Cogo Capital a Message

We make every effort to messages requests within 24 hours during normal business hours. If we aren’t meeting your requests in what you consider to be a timely fashion, please feel free to reach out to us at 800 473-6051.

Thanks again!​


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Cogo Capital • 701 E. Front Ave 2nd Flr., Coeur d’Alene, ID 83814 (800) 473-6051[email protected] © 2020 Cogo Capital • All Rights Reserved NMLS #1760709 • Please click here for the Secured Investment Corp NMLS Consumer Access Page

* Not available where prohibited by law, or in states where Cogo Capital does not trade. Loans are available only on non-owner occupied real property. NMLS #1760709; Arizona Mortgage Broker License #0950084; California Finance Lenders License 60DBO-101344. Loans are also available in California through Cogo Capital Orange County, Inc. – California DRE License #01928542; NMLS #1051036.

Loans through Cogo Capital™ are not available in Minnesota, Nevada, South Dakota, Utah, or Vermont. Loans are available in New Jersey, New York, North Dakota, and North Carolina through Secured Investment High Yield Fund II, LLC. In all other states, loans are available through Cogo Capital. See the Map