Build lasting financial confidence with personalized banking, investment planning, business financing, and secure digital solutions. Our experienced advisors provide tailored strategies to help you grow, protect, and manage your wealth at every stage.
$0B+
Assets Managed
0K+
Clients Served
0%
Satisfaction Rate
Portfolio Value
$184,320
Mortgage APR from
5.85%
Coverage Bundle
Auto + Home
Capital Flow Solutions was founded to remove the friction from personal finance — one advisor, one dashboard, and one point of accountability instead of a different login for every loan, policy, and account. We work with FDIC-insured partner banks, licensed insurance carriers, and registered investment custodians to bring loans, insurance, and wealth management under one roof.
Our mission is straightforward: give U.S. households and business owners financial products they actually understand, priced transparently, and serviced by people who answer the phone. Our vision is to become the most trusted financial relationship a family has, not just another app on their home screen.
Many years
In Financial Services
0+
Licensed Advisors
0%
Client Satisfaction
0 States
Licensed Nationwide
A+
BBB Accredited Rating
256-bit
SSL Encryption
Six commitments that apply to every account, every policy, every advisor call.
Licensed advisors, underwriters, and CFPs held to fiduciary and state licensing standards.
Automated underwriting and real advisors mean most decisions arrive in 24-48 hours.
256-bit encryption, multi-factor authentication, and FDIC-insured partner banking.
Products matched to your income, goals, and risk tolerance — never a one-size template.
Live advisor chat, phone support, and account access around the clock, every day.
Licensed to serve clients in all 50 states through our partner network of carriers and banks.
Tap a category to explore the full lineup underneath it.
Unsecured personal loans from $2,000 to $50,000 for debt consolidation, medical bills, or major purchases, with fixed monthly payments and no prepayment penalty. Rates are based on credit profile and verified income, disclosed up front under U.S. Truth in Lending requirements, and funds are typically available within one to three business days of approval.
Home equity loans and HELOCs that let you borrow against your property's equity for renovations, consolidation, or major expenses. We compare fixed-rate lump-sum loans against revolving HELOC lines so you choose the structure that fits your repayment plan, with closing costs and APR disclosed clearly before you sign.
Fixed-rate, adjustable-rate, FHA, VA, and conventional mortgage options for purchase or refinance, sourced from vetted U.S. lending partners. Advisors walk you through pre-qualification, rate locks, and closing costs in plain language, comparing multiple offers so you're not negotiating a home loan alone.
Private student loans and refinancing for undergraduate, graduate, and parent borrowers, structured to complement federal aid rather than replace it. We explain the difference between federal and private borrowing, cosigner release options, and income-based repayment eligibility before you commit to any offer.
Term loans, lines of credit, and SBA-backed financing for U.S. small businesses covering equipment, inventory, or working capital. Our advisors help you assemble financial statements and projections, and match you with lenders suited to your industry and time in business rather than a generic application.
New, used, and refinance auto loans with rates based on credit tier, vehicle age, and loan term. We provide a pre-approval letter you can take to any dealership, plus a refinance check for existing auto loans that may be carrying a higher rate than today's market.
Liability, collision, and comprehensive coverage compared across licensed U.S. carriers, with optional roadside assistance and rental reimbursement. We review your driving record and vehicle to find the minimum required coverage for your state plus reasonable protection above it.
Marketplace and private health plans for individuals, families, and the self-employed, including HSA-eligible high-deductible plans. Advisors help you compare premium versus deductible trade-offs and check eligibility for ACA subsidies before you enroll.
Property, liability, and personal belongings coverage with optional endorsements for flood, wildfire, or windstorm depending on your region. We compare quotes across carriers so you can weigh premium against deductible before renewing or switching.
Private mortgage insurance (PMI) guidance for buyers putting down less than 20%, including how to structure a loan to avoid it and when PMI can be cancelled once you reach sufficient equity in your home.
Term and whole life policies sized to income replacement, mortgage payoff, and dependent care needs. We run a needs analysis before recommending a face amount, rather than defaulting to a flat multiple of salary.
General liability, professional liability, workers' compensation, and commercial property coverage sized to your industry and headcount. We help you meet client and lease contract insurance requirements without over-insuring for risks you don't carry.
Final expense policies with simplified underwriting designed for seniors, covering funeral, burial, and related costs so the burden doesn't fall on family. Coverage amounts are modest and premiums are level for life, with no medical exam required for most applicants.
Accident and illness coverage for dogs and cats, with optional wellness add-ons for routine vaccinations and checkups. Plans reimburse a percentage of vet bills after your deductible, letting you choose care based on your pet's needs rather than your bank balance.
Trip cancellation, medical emergency, and baggage coverage for domestic and international travel. Policies can be purchased per trip or as an annual plan for frequent travelers, with clear documentation of pre-existing condition exclusions before you buy.
Diversified mutual fund portfolios spanning index, sector, and target-date strategies, held through registered U.S. custodians. We match fund selection to your time horizon and risk tolerance, with expense ratios disclosed clearly before you invest a dollar.
Physical gold, silver, and precious metals IRAs for portfolio diversification and inflation hedging. We work with insured depositories for physical storage and explain premiums, spreads, and liquidation timelines before purchase.
Self-directed and advisor-guided brokerage accounts for individual equities, ETFs, and options, with real-time execution through a registered broker-dealer partner. New investors get plain-language education before placing their first trade.
Discretionary portfolio management from fiduciary advisors who build allocations around your actual goals rather than a model portfolio. Quarterly reviews keep your strategy aligned as your income, family, and risk tolerance change over time.
Wills, trusts, and beneficiary designation reviews coordinated with licensed estate attorneys in your state, so your assets pass the way you intend with minimal probate delay and tax exposure for your heirs.
A full review of insurance, liability exposure, and asset protection structures to identify coverage gaps before they become expensive surprises, especially for business owners and high-net-worth households.
401(k) rollovers, IRA strategy, and Social Security timing analysis to project your retirement income with realistic assumptions. We model multiple retirement ages side by side so you can see the real trade-offs before deciding.
Tax-loss harvesting, account-type sequencing, and charitable giving strategies coordinated with your CPA to reduce your lifetime tax burden, not just this year's bill. We plan the entire portfolio for after-tax outcomes.
529 plan setup and contribution strategy for children or grandchildren's education, weighed against your own retirement funding to keep priorities balanced. We project future tuition costs and recommend a realistic monthly contribution.
Rewards, cash-back, and credit-building card options matched to your spending habits and credit profile, with APR and fee schedules disclosed clearly before you apply. We help you compare intro offers against long-term value.
Secure mobile wallet setup linking your Capital Flow Solutions accounts and cards for tap-to-pay purchases, with tokenized card numbers so your real account details are never shared with merchants at checkout.
Instant person-to-person transfers between Capital Flow Solutions accounts and most major U.S. banks, with real-time fraud monitoring on every transaction and no fee for standard transfers between linked accounts.
PCI-compliant payment processing for small and mid-size U.S. businesses, supporting card-present, online, and recurring billing with next-day funding and transparent per-transaction pricing.
FDIC-insured checking accounts paired with a fee-free debit card, instant transaction alerts, and the ability to freeze your card in the app the moment you notice it's missing.
Automated bill pay for utilities, rent, and recurring subscriptions from a single dashboard, with reminders before due dates so you avoid late fees and unnecessary interest charges.
Combine multiple credit card and loan balances into a single fixed-rate payment, often at a lower blended interest rate. We calculate your real payoff timeline before recommending consolidation over other options.
Negotiation with creditors to settle unsecured debt for less than the full balance, with a clear explanation of the credit score impact and tax implications of forgiven debt before you enroll.
Free initial consultation to determine whether Chapter 7 or Chapter 13 bankruptcy fits your situation, with referral to licensed U.S. bankruptcy attorneys for filing. We treat this as a last-resort option after other paths are considered.
Repair or replacement coverage for refrigerators, ovens, dishwashers, washers, and dryers that fail from normal wear, with licensed technicians dispatched within 48 hours of most claims and a standard U.S. service-call fee per visit.
Covers repair of home electrical systems including wiring, panels, and fixtures that fail under normal residential use, with licensed electricians dispatched to diagnose and repair covered failures without a separate diagnostic fee.
Covers leaks, clogs, and failures in home plumbing systems, water heaters, and fixtures, with emergency dispatch available for active leaks. Coverage limits and exclusions are disclosed clearly in your plan documents before enrollment.
Extended vehicle service contracts for new and used cars covering major component failure after the manufacturer warranty expires, redeemable at any licensed U.S. repair shop or dealership network location.
Covers engine, transmission, and drivetrain failures that occur outside of collision or accident circumstances, with towing reimbursement and rental car allowance included in most plans while your vehicle is repaired.
Caps your out-of-pocket cost for covered repairs at a fixed deductible, protecting you from surprise labor and parts markups. Claims are pre-authorized directly with the repair shop so you're never paying the full bill up front.
Sandra Mitchell
Small Business Owner · OH
"Got my SBA loan advisor on the phone the same day I applied. No other bank has done that for my shop before."
James Reynolds
IT Consultant · TX
"Consolidated three credit cards into one payment and my advisor actually explained the payoff math instead of just selling me the plan."
Linda Torres
Retired Nurse · FL
"My retirement planner modeled three different retirement ages so I could actually see the trade-offs. Nobody had done that for us before."
Daniel Park
Software Engineer · WA
"Bundled home and auto insurance through Capital Flow Solutions and saved more than I expected, with one advisor handling both policies."
Deposit accounts are held at FDIC-insured partner banks, insured up to $250,000 per depositor, per bank, in accordance with FDIC rules. Investment products are not FDIC-insured and carry market risk, which your advisor will disclose clearly.
Most personal and auto loan decisions arrive within 24-48 hours of a complete application. Mortgage and business loan timelines vary based on documentation and underwriting, typically two to four weeks.
No. Comparing offers across our lending and insurance partners is free. We're compensated by partner institutions when you choose a product, which is disclosed to you before you commit to anything.
Yes. Our wealth management advisors act as fiduciaries, legally required to act in your best interest rather than recommend products based on commission. Fee structures are disclosed in writing before you engage.
Initial rate checks for loans and credit cards use a soft credit pull, which does not affect your credit score. A hard inquiry only occurs if you formally proceed with an application after reviewing your rate.
Most carriers offer multi-policy discounts when you bundle auto, home, and life insurance. Your advisor will show the bundled quote alongside individual quotes so you can see the actual savings before deciding.
We send reminders before due dates, and most accounts include a short grace period. If you anticipate a missed payment, contact your advisor beforehand — we can often adjust due dates or arrange a modified plan before it affects your credit.
No. Debt settlement is a negotiated reduction of unsecured debt outside of court, while bankruptcy is a federal legal process. We review both paths and their credit impact so you understand the difference before choosing either.
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Call Us
+1 513-474-1123
Email Us
info@capitalflowsolutions.info
Headquarters
1021 Rogers Street Cincinnati, OH 45244