I moved to a new set of Cloudflare nameservers with identical DNS records. There is no A record for the root. There is a CNAME for root and www and both are proxied (orange cloud). I can only reach the site with www.
What feature, service or problem is this related to?
I suspect your CNAME target provider may not be handling the apex domain cmfloan.com.
For a simple workaround, create a rule to let Cloudflare automatically redirect cmfloan.com to www.cmfloan.com. Select your domain in the Cloudflare dashboard, look for Rules in the left menu, and deploy the “Redirect from Root to WWW” template.