You start spending
Hiring, material deposits, equipment, bonding, insurance riders, possibly a second location or a yard.
How we make money: The Business Funding Club is a referral service, not a lender and not a broker. We refer applications 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.
For federal contract winners
The award is public. The payment lag is the part nobody warns you about.
You mobilize on your own money. Crews, materials, bonding, equipment — all of it goes out the door before the government’s first payment comes in, and on a first award that gap is wider than most operators plan for. The Business Funding Club connects you to ROK Financial to cover it.
Applications are reviewed by ROK Financial, our funding partner. Free to apply. How we’re compensated.
Why we reached out
We read the award record. That’s all we know about you.
Federal award data is public. We watch it, and when a small business wins work at a size that usually strains cash flow, we say so. We don’t buy distress data, we don’t pull liens or judgments, and we don’t run a credit check to send you a message. If that isn’t useful to you, one click and we stop.
Public award record — example
recipienta small business, U.S.awarding agencyfederal department
award datewithin the last 30 days
place of performancestated on the record
sourceUSAspending.gov, public
That is the entire basis of the outreach. No purchased list, no distress signal, no inference about your finances.
The math
Mobilization is front-loaded. Payment is not.
WEEK 0
WEEK 4–8
You invoice
After the work is performed and documented, and after the contracting officer’s process runs its course.
WEEK 8+
You get paid
Meanwhile payroll has run four or five times. That’s the gap, and it’s structural — not a sign anything is wrong with your business.
This is a growth need, not a rescue. It is also the most predictable capital need in small business, which is why it’s worth lining up before it bites rather than during.
Before you start
What ROK looks for.
3 months
minimum time in business
$15,000
minimum monthly gross revenue
U.S.
based and operating
ROK Financial reviews every application and makes all funding decisions. We refer; they decide. Nothing on this page is an offer of credit and no figure here is specific to your business.
Applications are reviewed by ROK Financial, our funding partner. Free to apply. How we’re compensated.