Excel Cash Flow Review 2021:
Is It Really A Scam?

Scam Risk is here to help you protect yourself and fight back
By: Scam Risk - Expert Reviewer

Is it possible to make over $300 dollars in just 60 minutes a day?

This is one of those tell-tale signs of shady work at home schemes. Almost everyone is under the impression that working online is an easy and simple way to earn income.

You’re bound to fall for these lies if you have any kind of financial troubles.

But let us warn you that all businesses saying that you can only make money by posting links are certainly shady.

You’ll definitely see and check for yourself the parallels as you dive into this Excel Cash Flow review.

We’re going to review multiple aspects of Excel Cash Flow to decide if it really is the best online opportunity out there.

We’ll talk about whether Excel Cash Flow is the right online business for you.

At the end, we’ll answer some of the most frequently asked questions regarding ECF and making money online in general.

And most important, we’ll show you the exact system we used to build our own internet marketing business to over $40,000 a month in mostly passive income.

This system made us swear off affiliate marketing for good, because it uses some of the same skills in a much more powerful and profitable way!

Check Out This Simple Way To Run A Digital Real Estate Empire Online
With no:
This is so simple, it should be illegal.

Table of Contents

What is Excel Cash Flow?

Product Name:  Excel Cash Flow

Overall Ranking: Poor

Price: $97

Creator:  Debbie Jones or Cami White (These names are allegedly not real people.)


Excel Cash Flow is a relatively new program that launched recently and is allegedly run by two women called Cami White and Debbie Jones who we don’t believe actually exist – simply because you wouldn’t find any reliable information about these names anywhere on the internet.

They say that with very little preparation or dedicated time, you can make lots of money from home. They indicate that you will learn to be a search engine agent who is someone they believe works on websites for large companies from their home posting links.

Excel Cash Flow makes it feel like you’re working for a company in a typical workplace, only you are working right at the comfort of your home.

They are saying that companies are in high demand for people to post links to their websites so that they can attract web traffic and gain money.

The truth of this matter is that today, Google and other search engines are much more advanced than they used to be, and it is such a thing of the past to use cheap tactics such as link posting. You now need to have reliable content and efficient search engine optimization (SEO) in order to reach a good Google rating.

It tries to convince you that for every link you post, you earn $15.00 per link on average.

This is a little hard to believe on the surface.

It is not by mere link posting that you earn, it is when someone makes a purchase by clicking the link. You get a commission out of that sale.

This is called affiliate marketing, a very legit way to earn unlike what Excel Cash Flow tries to tell you.

The Excel Cash Flow methods advise their representatives on spamming but if you upload spam links, those websites will often ban you from posting. Simply put, the game has changed.

It also fails to warn you that being paid by these businesses takes a long time.

Often, regardless of the fraud detection scheme that many organizations have, it can take up to three months or longer. Moreover, there is usually a minimum pay-out threshold.

When it comes to working online, the truth is that it takes a lot of time and commitment. It’s going to take months before you see some actual revenues coming in, pretty much like a brick-and-mortar business.

It’s going to take time, and yeah, it’s going to finally pay off, but it won’t happen immediately. Any business that wants to convince you otherwise, such as Excel Cash Flow, is a fraud and not a genuine online opportunity.

They also offer a 60 day refund guarantee which we doubt is true. This refund has never been claimed by users who were deceived which makes Excel Cash Flow one of the common scams you’d encounter out there.

What's Inside Excel Cash Flow?

The entire idea of their scheme is that as long as you buy what they’re advertising, you will earn big online.

Debbie’s sales pitch and story make the whole package enticing to someone who has no idea about the ins and outs of the industry.

They are also trying so hard to look legitimate that they even put up their own calculator to compute how much you can earn.

But that all, of course, is a lie. Link posting is a dying business and for quite a while now it has been this way.

Companies are no longer involved in allowing individuals to post their links, contrary to what this product claims.

The Truth About Excel Cash Flow

Excel Cash Flow is extremely shady and we don’t advise anyone go venture into this business. And here are the numerous times that they prove they are:

The Presumed Creator of Excel Cash Flow is a FAKE!

The person is not Debbie in the photo, nor is she Cami.

The picture posted in their website was actually pulled out of a stock photo site. You can check it at under stock #51827662.

The Cami White/ Debbie Jones Sob Story is a Big Lie!

Both have similar plot – divorced young wife, with a daughter who is 6 years of age, barely getting through…and so forth.

They’ve also moved to the same city: Sydney, Australia.

As if this isn’t already annoying, we found out that a Melanie Pearson exists, and she, too, shares the very same sob story!

It’s just a bit odd that poor Melanie, who lives in the US, moved with her 6-year-old daughter to New Jersey and created “Digital Payday,” yet another scam website.

The Acclaimed National Media Attention is another BIG Lie!

The video on top of the sales page is a paid for infomercial that aired several years ago on NBC.

About 50 similar scams have re-used this clip over the years!

Imagine that. Sometimes, you just need to look long enough to notice!

The Testimonials Are Fake!

A parade of testimonials, apparently from ‘happy jobs’ who appear to have earned thousands of dollars by sharing links, is on the sidebar of the Excel Cash Flow sales website.

Such funny and strange things happen, particularly in scam sites like this that are hastily put together.

They just don’t care, they’re either sloppy, or they think we’re all dumb enough NOT to consider little things, but significant ones.

There was a testimonial about a couple from Toowoomba namely Sarah & Luke who are claiming that they made over 2,000 bucks in just 3 weeks, and thought the one-time membership fee was all worth it.

Here’s the funny part: this testimonial is in no way related to Excel Cash Flow, but to another shady website called “Home Income Source!”

Such sloppy scamming, right? So sloppy, they don’t have the time to proofread!

What About That Coaching?

Personal coaching is also a common technique for these scam pages that they use to try to get you into the program.

This gives you the assurance that you’re going to get competent assistance.

Personal coaching typically doesn’t turn out as expected for scam sites like Excel Cash Flow.

Overall, the program is shady, so it is just right to expect that this might do you more harm than good.

Excel Cash Flow Uses Misleading Advertising!

As we go further with the review, you’d get more and more hints as to why we rank the Excel Cash Flow program as one of the legit scams out there.

If you try to look at the top of the screenshot above, you would read a disclaimer stating that it isn’t a real newspaper – although the layout appears to mimic a legit column in an online newspaper.

They often use the traditional logos of high-profile television network stations to make it seem that their story was broadcasted on these powerful networks, which is just outrageous!

These misleading ads have ultimately resulted to deceived people paying via their credit card and never getting any refund!

Why Link Posting Won’t Make You Rich!

Link posting was a tactic commonly used by businesses looking to attract traffic in the early days of the Internet.

But as search engines like Google shifted to a more “educational and authoritative experience,” they stopped using link posting altogether, making this technique quite inefficient today.

Rarely when ,if it happens, produces little to no results because the odds that you can post links and make them last somewhere are almost none.

You can’t post links in forums, they forbid you to enter and delete your link, so how do you gather an audience?

If you post links in forums, they will either ban you from their page or remove your link.

Google plus may be an alternative, but still you’d run out of link locations and it’s at best bleak when you add up your time to income ratio.

Yeah, that sounds like a crappy thing to say, but if you’re gonna put in the amount of grueling work to become an affiliate marketer (which, trust us, isn’t easy), you might as well bring in some REAL money.

The program that helped skyrocket our online business to $40,000+ per month teaches some of the affiliate marketing skills, but shows you how to monetize them in a much, MUCH more profitable way.

What’s The Cost To Join Excel Cash Flow?

You will get a free one-on-one meeting with an Internet Wealth Specialist as an exclusive sign-up incentive.

It costs $97 for the program, which is a one-time payment. Sometimes they give it at a discounted price of $77.

Excel Cash Flow Review: What About Customer Support?

They have very poor customer service.

A perfect example of this is on their refund policy. Customer service agents would promise clients they would receive a check in mail.

But that check would never come, regardless how many times the customer complains.

The sales pages would aggressively give you misleading information, but offer no basic customer support at all!

Excel Cash Flow Complaints from Victims!

Here is a list of common complaints against Excel Cash Flow:

  • Customers have posted a lot of links and even paid for ads but still did not make a single cent!
  • Immediately after joining Excel Cash Flow, people were flooded with hundreds of deals from the supposed “Wealth Development Certification Program.”
  • The consultant who was meant to help people was only interested in obtaining their credit card data and did not address their queries or concerns.
  • Another complaint is that refund requests have not been answered.
  • Some customer service representatives told customers they would get a refund to their credit card and that a check was processed and would be mailed to them. This of course did not transpire.
  • Calls to the contact number given went unanswered and they left people on hold for hours!

Is Excel Cash Flow A Scam? Is It A Legit Business?

All of the things we’ve written above should give you a clear idea of how we view this site.

Excel Cash Flow is absolutely a link posting scam and in many ways questionable.

But let us spell it out for you. They distort legit online businesses such as affiliate marketing, and offer a negative reputation and a bad name to the industry.

It is true that there are businesses that would pay people to direct customers to their platforms. You may have heard about a couple of them, including Google, Amazon, etc.

Making money from these giant companies is never easy. Just the mere posting of links all over the internet won’t do it.

The Excel Cash Flow program uses so many shady promotional strategies that make it an outright scam on all fronts. And some people still fall for it, sadly.

If you want to make money online, or if you are searching for a job that pays incredibly well, consider lead generation as a way to make money online.

Does that answer your question?

It is entirely possible to build a profitable, successful online business.

Our #1 pick proves this. And unlike ECF, it actually provides real proof of real success from real people as recently as a few days ago.

Scam Risk's #1 Recommended Way To Make Money Online In 2021

Are you looking for an online business that you can run where you won’t run into competition left and right?

What about something that can lead to passive income down the road…

Does that interest you at all?


Our Scam Risk team has done some digging into an online business model that has just recently popped up.

With the looming housing crisis that will make 2008 look like a toddler, many real estate investors and online entrepreneurs having begun building digital assets!

Digital Real Estate

Or local lead generation as some people call it, is the process of building out websites and generating leads for small service based businesses.

It’s actually pretty similar to affiliate marketing except for a couple key differences:

  • You can make more money off of less traffic
  • Competition is practically non existent at the local level
  • Much easier to rank!

Before you start calling it scam…keep this in mind, we are Scam Risk…

We report scams. We don’t promote them. See a ECF link anywhere?

Now that that’s out of the way let’s dive deeper into that comparison.

With affiliate marketing, you have rank for national keywords, which is really hard to do because of how much competition there is.

You are having to compete with like 1 million other people to sell the same product…it’s crazy hard!

But now let’s flip the script…

How many people do you think are competing to cut down trees in Bossier City Louisiana?

Exactly…not much.

So now that we’ve established that competition for local lead generation is much less than for affiliate marketing…let’s talk about the money. It’s always about the money right?

The Money?

Most affiliate products you would sell are likely $50-$100 and on top of that you’re lucky if you’re making a 5% commission from Amazon because of it.

That means you’ll have to sell 1,000-2,000 of products just to reach a decent income of 5k per month. You definitely have your work cut out for you on that end…

Now let’s take a look back at that tree service example again…

The average tree service job is worth anywhere from $500-$2,000 and most contractors are generous with their referral fees, being known to pay out roughly 10-20% of the final ticket.

So now it’s time for some math…

Let’s say you build and rank one of these sites in a local area with very little competition and after 3 months, your site is at the top of page one locally.

And let’s say that worst cases scenario you only end of with just 10 calls.

On top of that, let’s say covid hit the tree service guy and his family extra hard this year and he can only pay you 10%.

Going off the lowest numbers possible here…that means that just one of these sites could bring you in $500 a month. Now let’s say you build 10 of these things…you’re looking at 5k a month and you’re generating literally 1/10th of the traffic you would need to make that much with affiliate marketing!

Sound too good too be true…?

It isn’t.

Where To Learn

We know that you’re not going to be able to just go off on your own and start killing the digital real estate game from the little we talked about it…

And you might be thinking to yourself…”Dang I don’t even know where to begin…”.

So our team at Scam Risk has taken the time to go out and find a program that we could recommend and give our Scam Risk seal of approval too.

We don’t take it lightly either.

After months of searching far and wide, we finally found one!

This course offers hands on training step by step going through exactly what you need to do to build and rank your new lead generation.

On top of that, they have live chat calls on zoom where you can all get together, hangout, and ask questions if you have any.

Even further, unlike most affiliate marketing courses you’ll see that we review, this program has a heavily monitored private Facebook group which means absolutely no spam!

This group is active 24/7 as well!

If this type of online business model sounds better to you than affiliate marketing…go ahead and watch those videos above!

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