Federal contractors
You won the award, but government payment terms lag mobilization by 30 to 60 days, and the first award is the hardest one to carry. Federal contractors →
How we make money: The Business Funding Club is a referral service, not a lender and not a broker. We refer members who ask for capital to ROK Financial, who make every funding decision. ROK pays us when a business we refer receives funding. It is free to you, and nothing here is an offer of credit. Read the full disclosure.
Capital for the work you’ve already done
You did the work. Now you wait to get paid for it.
Across every industry we serve the story is the same: the job is done and the invoice is out, but the money is 30 to 60 days behind the payroll, fuel, and materials that got it there. The Business Funding Club is a free membership that connects your business to ROK Financial for the capital that bridges the gap — and it starts with your industry.
A referral club, free to join. ROK Financial reviews every request and makes all funding decisions. How we’re compensated.
Industries we serve
Pick your industry. We speak your version of the gap.
The cash gap looks different in every line of work, so the Club does too. Start where your business lives — each path is tuned to how the money actually moves in that industry. More industries join as the Club grows.
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Trucking & freight
The load is delivered and the invoice is out, but the money is 30 to 60 days behind the fuel and payroll that moved it. Trucking carriers →
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More on the way
The Club is expanding to more industries where growing businesses carry the gap between doing the work and getting paid for it. Join the path that fits you today.
How it works
Three steps, and only one of them is yours.
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You join free, or apply when you’re ready
Some industries join the Club first and keep it in their pocket; others go straight to an application. Either way it’s a few minutes, business details not a pitch, and it costs nothing.
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We refer you to ROK Financial
When you want capital, ROK is our funding partner. They review your request, they decide what they can do, and they contact you directly. We are not in that conversation and we do not set the terms of it.
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You talk to a person at ROK
An advisor walks you through what’s available for a business like yours and what they’d need to see. You decide from there. Nothing is committed until you sign something.
Before you start
What ROK looks for.
Stated plainly so you don’t spend time on a form that isn’t built for your business yet. These are ROK’s published minimums to be considered — meeting them is the starting line, not a decision.
3 months
minimum time in business
$15,000
minimum monthly gross revenue
U.S.
based and operating
Credit history is one input among several, and a lower score does not end the conversation. ROK reviews the whole picture — revenue, deposits, time in business, and what the money is for.
Free to join or apply. ROK Financial reviews every request and makes all funding decisions. How we’re compensated.
Plainly
What we are, and what we are not.
We are a referral club. We introduce small businesses to ROK Financial. That’s the whole service, and it’s free to you.
We are not a lender and not a broker. We don’t fund anything, we don’t quote figures, and we don’t negotiate on your behalf. If someone tells you what your financing will look like before ROK has reviewed your file, that person is guessing.
We are paid by ROK, not by you. When a business we refer gets funded, ROK compensates us. You are never charged a membership fee or an application fee, by us or by anyone acting for us. Full disclosure here.