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.
How the Club works
The long version, including the part about money.
Most of this category is built on evasion about who gets paid and how. Here is the whole arrangement, in order.
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You submit an application
One form on this site. Business details, contact information, and a short description of what the capital is for. It is free, it takes a few minutes, and it is the only thing we ask you to do.
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We pass it to ROK Financial with our referral ID attached
ROK is our funding partner. The referral ID is how they know the application came from us. That is the mechanism by which we are paid, and it costs you nothing — it does not change your file, your review, or anything ROK does with it.
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ROK reviews it and contacts you
An advisor at ROK reviews the application against their own criteria and reaches out directly. They will ask for documentation — typically recent bank statements and business formation details. What they can offer, on what structure, is entirely theirs to determine and communicate.
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You decide
You talk to a person, you read what they send you, and you decide. Nothing binds you until you sign something with ROK. If it’s not right, it’s not right, and you owe no one anything.
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If you get funded, ROK pays us
That is the entire business model. We are compensated by ROK when a business we referred receives funding. We are never compensated by you.
Boundaries
What we will not do.
- We will not quote you anything. Not a rate, not a term, not a payment, not an amount. We are not the funder and any figure we gave you would be invented. ROK tells you what ROK can do.
- We will not tell you your odds. We don’t know them. Anyone who says they do, before a file has been reviewed, is selling you confidence rather than capital.
- We will not charge you. No membership fee, no application fee, no “processing” anything. If you are ever asked to pay The Business Funding Club money, it is not us — tell us.
- We will not chase you. One unsubscribe click ends contact from us. No re-add, no separate list, no second brand.
- We will not target distress. We do not buy or use lien, judgment, or default data to find businesses. This is capital for growth, and we’d rather reach you before things are urgent than after.
Common questions
Straight answers.
Is the Club actually free?
Yes. ROK compensates us on funded referrals. You are never billed by us for anything, at any stage.
Does going through you change what ROK offers me?
No. Your file is reviewed on its own merits under ROK’s criteria. The referral ID tells them where the application came from; it does not price anything.
What kind of financing is this?
ROK works across several products — lines of credit, equipment financing, contract and invoice financing, and others. Which one fits, if any, is a conversation to have with their advisor once they have seen your file. We are not qualified to tell you, and we won’t pretend to be.
What if my credit isn’t strong?
Credit is one input among several. Revenue, deposit history, time in business, and what the money is for all matter. ROK will tell you where you stand; we can’t and won’t predict it.
How did you get my information?
If we contacted you about a federal contract, we read the public award record on USAspending.gov and found a business contact from public sources. Nothing was purchased from a data broker and no credit inquiry was made. More on that here.
What happens to my data?
It goes to ROK Financial so they can review your application, and it stays with us for follow-up on that application. We do not sell it. Privacy details.
That’s the whole arrangement.
If it reads fairly to you, the next step is the application.
Applications are reviewed by ROK Financial, our funding partner. Free to apply. How we’re compensated.