How we make money: The Business Funding Club is a referral service, not a lender and not a broker. We refer businesses that ask for capital to ROK Financial. ROK and the lenders it matches you with 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.

Sources

Sources we use

Every industry fact, program rule and legal statement on this site comes from one of these pages. We open each page before citing it and record the date.

PagePublisherCheckedUsed on
FAR 32.904 Determining payment due datesAcquisition.gov (General Services Administration)October 16, 2026Federal contractors
FAR 52.232-27, Prompt Payment for Construction ContractsAcquisition.gov (U.S. General Services Administration)October 16, 2026Construction
FAR 52.232-5, Payments Under Fixed-Price Construction ContractsAcquisition.gov (U.S. General Services Administration)October 16, 2026Construction
Alabama Administrative Code Rule 30-X-6-.05: Other Responsibilities and PracticesAlabama State Board of Public Accountancy (Alabama Administrative Code)October 16, 2026Accountants and bookkeepers
Brewer's NoticeAlcohol and Tobacco Tax and Trade Bureau (U.S. Treasury)October 16, 2026Restaurants
Dental Practice ResearchAmerican Dental Association Health Policy InstituteOctober 16, 2026Dental
AICPA Code of Professional Conduct (1.510 Contingent Fees; 1.520 Commissions and Referral Fees)American Institute of Certified Public AccountantsOctober 16, 2026Accountants and bookkeepers
AICPA General Ethics Questions: Disclosure of CommissionsAmerican Institute of Certified Public Accountants (hosted by the Texas Society of CPAs)October 16, 2026Accountants and bookkeepers
Office-based Physician Electronic Health Record AdoptionAssistant Secretary for Technology Policy / Office of the National Coordinator for Health IT (HealthIT.gov)October 16, 2026Medical
2025 Construction Workforce Survey AnalysisAssociated General Contractors of AmericaOctober 16, 2026Construction
Prompt PaymentBureau of the Fiscal Service, U.S. Department of the TreasuryOctober 16, 2026Federal contractors
DFPI's commercial financing disclosure regulations approved to become effective as of December 9, 2022California Department of Financial Protection and InnovationOctober 16, 2026Commercial financing disclosure laws
California Civil Code § 1799.300 (commercial financing: definitions, incl. broker)California Legislative InformationOctober 16, 2026Referral partners, Accountants and bookkeepers, Equipment dealers, Commercial insurance agents
California Financial Code section 22800 (Division 9.5, Commercial Financing Disclosures)California Legislative InformationOctober 16, 2026Commercial financing disclosure laws
California Financial Code section 22802California Legislative InformationOctober 16, 2026Commercial financing disclosure laws
California Financial Code § 22004 (definition of broker)California Legislative InformationOctober 16, 2026Referral partners
California Financial Code § 22602 (compensation for commercial loan referrals)California Legislative InformationOctober 16, 2026Referral partners, Accountants and bookkeepers, Equipment dealers
California Financial Code § 22800 (commercial financing disclosures, definitions)California Legislative InformationOctober 16, 2026Referral partners
California Financial Code, Division 9.5: Commercial Financing DisclosuresCalifornia Legislative InformationOctober 16, 2026Invoice and purchase order financing, Business line of credit, Term loans, Revenue-based financing
SB-1235 Commercial financing: disclosures (bill text)California Legislative InformationOctober 16, 2026Commercial real estate financing, Investment property loans
Commercial Financing Provider or Broker Registration InformationConnecticut Department of BankingOctober 16, 2026Commercial financing disclosure laws
Commercial Financing Provider or Broker Registration InformationConnecticut Department of BankingOctober 16, 2026Referral partners
Public Act 23-201: An Act Requiring Certain Financing DisclosuresConnecticut General AssemblyOctober 16, 2026Commercial financing disclosure laws
Public Act Summary, PA 23-201Connecticut Office of Legislative ResearchOctober 16, 2026Commercial financing disclosure laws
Comment for 1026.3: Exempt Transactions (Regulation Z)Consumer Financial Protection BureauOctober 16, 2026Investment property loans
Consumer Complaint DatabaseConsumer Financial Protection BureauOctober 16, 2026ROK Financial, explained
Official Interpretation of 1026.3, Exempt TransactionsConsumer Financial Protection BureauOctober 16, 2026Real estate investors
Regulation Z, 12 CFR 1026.3: Exempt transactionsConsumer Financial Protection BureauOctober 16, 2026Commercial financing disclosure laws
Submit a complaintConsumer Financial Protection BureauOctober 16, 2026ROK Financial, explained
12 CFR 1026.3, Exempt transactions (Regulation Z)Electronic Code of Federal Regulations (National Archives)October 16, 2026Real estate investors
16 CFR Part 436 Subpart C: Contents of a Disclosure DocumentElectronic Code of Federal Regulations (National Archives)October 16, 2026Franchise financing
24 CFR 203.37a, Sale of propertyElectronic Code of Federal Regulations (National Archives)October 16, 2026Real estate investors
29 CFR 5.5, Contract provisions and related matters (Davis-Bacon)Electronic Code of Federal Regulations (eCFR)October 16, 2026Construction
42 CFR 424.44, Time limits for filing claimsElectronic Code of Federal Regulations (eCFR)October 16, 2026Medical
42 CFR 424.521, Request for payment by certain provider and supplier typesElectronic Code of Federal Regulations (eCFR)October 16, 2026Medical
42 CFR 424.80, Prohibition of reassignment of claims by suppliersElectronic Code of Federal Regulations (eCFR)October 16, 2026Medical
Equipment Finance Industry Expands to More Than $1.3 Trillion (Horizon Report 2024)Equipment Leasing & Finance FoundationOctober 16, 2026Equipment dealers
FMCSA Company Census FileFederal Motor Carrier Safety AdministrationOctober 16, 2026Trucking
2025 Report on Employer Firms: Findings from the 2024 Small Business Credit SurveyFederal Reserve BanksOctober 16, 2026Business line of credit, Revenue-based financing, Accountants and bookkeepers, Commercial insurance agents
2026 Report on Employer Firms: Findings from the 2025 Small Business Credit SurveyFederal Reserve BanksOctober 16, 2026Auto repair, Restaurants
2025 Findings from the Diary of Consumer Payment ChoiceFederal Reserve Financial ServicesOctober 16, 2026Restaurants
A Consumer's Guide to Buying a FranchiseFederal Trade CommissionOctober 16, 2026Franchise financing
Franchise RuleFederal Trade CommissionOctober 16, 2026Franchise financing
31 CFR 1020.220: Customer identification program requirements for banksFinancial Crimes Enforcement Network (regulation text via Cornell LII)October 16, 2026Funding readiness
SB 90 status historyGeorgia General AssemblyOctober 16, 2026Commercial financing disclosure laws
Lost or misplaced your EIN?Internal Revenue ServiceOctober 16, 2026Funding readiness
Publication 527, Residential Rental PropertyInternal Revenue ServiceOctober 16, 2026Real estate investors
Publication 946 (2025), How To Depreciate PropertyInternal Revenue ServiceOctober 16, 2026Auto repair, Construction, Dental, Medical
Publication 946 (2025), How To Depreciate PropertyInternal Revenue ServiceOctober 16, 2026Equipment financing
K.S.A. 75-784: Commercial financing transactions; required disclosuresKansas LegislatureOctober 16, 2026Commercial financing disclosure laws, Referral partners
Kansas Statutes 75-786 (prohibitions on broker)Kansas LegislatureOctober 16, 2026Referral partners
Senate Bill 345 (2024), enrolled: Commercial Financing Disclosure ActKansas LegislatureOctober 16, 2026Commercial financing disclosure laws
Mobile Food Facility Inspection GuideLos Angeles County Department of Public HealthOctober 16, 2026Food trucks
Act No. 198 of the 2025 Regular Session (HB 470), enacting R.S. 9:3137.10Louisiana State LegislatureOctober 16, 2026Referral partners
HB 470 (2025 Regular Session) historyLouisiana State LegislatureOctober 16, 2026Commercial financing disclosure laws
La. R.S. 9:3137.10: Revenue-based financing transactionLouisiana State LegislatureOctober 16, 2026Commercial financing disclosure laws
ADAS Panel Discussion Notes and Highlights, Maryland CAV Working Group, August 10, 2022Maryland Department of TransportationOctober 16, 2026Auto repair
RSMo section 427.300: Commercial Financing Disclosure LawMissouri Revisor of StatutesOctober 16, 2026Commercial financing disclosure laws, Referral partners
Mobile Food Vending Commissary Agreement (form)NYC Department of Health and Mental HygieneOctober 16, 2026Food trucks
Mobile Food VendorsNYC Department of Health and Mental HygieneOctober 16, 2026Food trucks
Driver Assistance TechnologiesNational Highway Traffic Safety AdministrationOctober 16, 2026Auto repair
Persistent Cost Increases and Enduring Demand Will Shape the Restaurant Industry in 2026National Restaurant AssociationOctober 16, 2026Restaurants
23 NYCRR 600: Disclosure Requirements for Certain Providers of Commercial Financing TransactionsNew York State Department of Financial ServicesOctober 16, 2026Term loans, Revenue-based financing, Referral partners
Superintendent Adrienne A. Harris adopts updated regulation for disclosure requirements for commercial financingNew York State Department of Financial ServicesOctober 16, 2026Commercial financing disclosure laws
Active Corporations: Beginning 1800, entity record for ROKFI LLC (DOS ID 4628589)New York State Department of State, Division of CorporationsOctober 16, 2026ROK Financial, explained
New York Financial Services Law Section 801: Definitions (Commercial Financing)New York State SenateOctober 16, 2026Invoice and purchase order financing, Equipment financing, Business line of credit, Term loans, Revenue-based financing
New York Financial Services Law Section 803: Sales-based financing disclosure requirementsNew York State SenateOctober 16, 2026Revenue-based financing
New York Financial Services Law Section 806: Factoring transaction disclosure requirementsNew York State SenateOctober 16, 2026Invoice and purchase order financing
New York Financial Services Law section 803: Sales-based financing disclosure requirementsNew York State SenateOctober 16, 2026Commercial financing disclosure laws, ROK Financial, explained
New York Financial Services Law section 812: PenaltiesNew York State SenateOctober 16, 2026Commercial financing disclosure laws
New York Financial Services Law § 801 (definitions)New York State SenateOctober 16, 2026Referral partners
New York Financial Services Law, Article 8: Commercial FinancingNew York State SenateOctober 16, 2026Commercial financing disclosure laws
Mobile Food Unit Commissaries (Session Law 2012-187, G.S. 130A-248(c1))North Carolina Department of Health and Human Services, Division of Public HealthOctober 16, 2026Food trucks
Uniform Commercial Code SectionNorth Carolina Department of the Secretary of StateOctober 16, 2026Funding readiness
N.C. Gen. Stat. 143-134.1, Interest on final payments due to prime contractors; payments to subcontractorsNorth Carolina General AssemblyOctober 16, 2026Construction
N.C. Gen. Stat. 58-3-225, Prompt claim payments under health benefit plansNorth Carolina General AssemblyOctober 16, 2026Medical
N.C. Gen. Stat. 58-63-15, Unfair methods of competition and unfair or deceptive acts or practices definedNorth Carolina General AssemblyOctober 16, 2026Auto repair
N.C. Gen. Stat. Chapter 22C, Payment to SubcontractorsNorth Carolina General AssemblyOctober 16, 2026Construction
Comptroller's Handbook: Accounts Receivable and Inventory FinancingOffice of the Comptroller of the CurrencyOctober 16, 2026Invoice and purchase order financing, Business line of credit
Comptroller's Handbook: Commercial Real Estate LendingOffice of the Comptroller of the CurrencyOctober 16, 2026Commercial real estate financing
Senate Bill 90 (2023), as passed and signedOffice of the Governor of GeorgiaOctober 16, 2026Commercial financing disclosure laws, Referral partners
Accounts Receivable Financing For Your Small BusinessROK FinancialOctober 16, 2026Invoice and purchase order financing, ROK Financial, explained
Business Financing application (ROK Financial partner page)ROK FinancialOctober 16, 2026Agriculture, Auto repair, Construction, Dental, Invoice and purchase order financing, Commercial real estate financing, Equipment financing, Franchise financing, Investment property loans, Business line of credit, SBA loans, Term loans, Revenue-based financing, Food trucks, Funding readiness, Federal contractors, Medical, Referral partners, Accountants and bookkeepers, Equipment dealers, Commercial insurance agents, Real estate investors, Restaurants, ROK Financial, explained
Business Line of CreditROK FinancialOctober 16, 2026Business line of credit, ROK Financial, explained
Commercial Real Estate FinancingROK FinancialOctober 16, 2026Real estate investors
Commercial Real Estate FinancingROK FinancialOctober 16, 2026Commercial real estate financing, Investment property loans, ROK Financial, explained
Franchise FinancingROK FinancialOctober 16, 2026Franchise financing, ROK Financial, explained
Get Equipment Financing For Your Small BusinessROK FinancialOctober 16, 2026Agriculture, Equipment financing, Food trucks, Equipment dealers, Restaurants, ROK Financial, explained
ROK Financial: business financing productsROK FinancialOctober 16, 2026ROK Financial, explained
Residential Investment Property LoansROK FinancialOctober 16, 2026Real estate investors
Residential Investment Property Loans For Your BusinessROK FinancialOctober 16, 2026Investment property loans
Revolving Business Line of CreditROK FinancialOctober 16, 2026Agriculture, Food trucks, Real estate investors, Restaurants
SBA LoansROK FinancialOctober 16, 2026SBA loans, ROK Financial, explained
Small Business LoansROK FinancialOctober 16, 2026Business line of credit, Term loans, ROK Financial, explained
Terms of Use (ROKFI LLC)ROK FinancialOctober 16, 2026ROK Financial, explained
Working capital product page (revenue-based)ROK FinancialOctober 16, 2026Revenue-based financing, ROK Financial, explained
ROK Exclusive Partnership Program: referral partner applicationROKFI LLC (ROK Financial)October 16, 2026Referral partners, Accountants and bookkeepers, Equipment dealers, Commercial insurance agents
Texas Finance Code Chapter 398: Commercial Sales-Based FinancingTexas LegislatureOctober 16, 2026Referral partners
HB 700 (89th Legislature), enrolled versionTexas Legislature OnlineOctober 16, 2026Commercial financing disclosure laws
Commercial Sales Based FinanceTexas Office of Consumer Credit CommissionerOctober 16, 2026Commercial financing disclosure laws, Referral partners
Recent and Upcoming RulesTexas Office of Consumer Credit CommissionerOctober 16, 2026Commercial financing disclosure laws
Texas Register, July 3, 2026: Adopted Rules, 7 TAC Chapter 86, Subchapter CTexas Secretary of StateOctober 16, 2026Referral partners
Florida Statutes section 559.9612: Scope of this partThe Florida SenateOctober 16, 2026Commercial financing disclosure laws
Florida Statutes section 559.9613: DisclosuresThe Florida SenateOctober 16, 2026Commercial financing disclosure laws
Florida Statutes section 559.9614: Prohibited actsThe Florida SenateOctober 16, 2026Commercial financing disclosure laws, Referral partners
Florida Statutes section 559.9615: EnforcementThe Florida SenateOctober 16, 2026Commercial financing disclosure laws
Florida Statutes § 559.9611 (definitions, incl. broker)The Florida SenateOctober 16, 2026Referral partners
Food Services and Drinking Places: NAICS 722 (Industries at a Glance)U.S. Bureau of Labor StatisticsOctober 16, 2026Restaurants
Occupational Outlook Handbook: Automotive Service Technicians and MechanicsU.S. Bureau of Labor StatisticsOctober 16, 2026Auto repair
Occupational Outlook Handbook: ChiropractorsU.S. Bureau of Labor StatisticsOctober 16, 2026Medical
Occupational Outlook Handbook: Dental HygienistsU.S. Bureau of Labor StatisticsOctober 16, 2026Dental
Occupational Outlook Handbook: DentistsU.S. Bureau of Labor StatisticsOctober 16, 2026Dental
Occupational Outlook Handbook: Heating, Air Conditioning, and Refrigeration Mechanics and InstallersU.S. Bureau of Labor StatisticsOctober 16, 2026Construction
Occupational Outlook Handbook: Medical AssistantsU.S. Bureau of Labor StatisticsOctober 16, 2026Medical
Occupational Outlook Handbook: Physical TherapistsU.S. Bureau of Labor StatisticsOctober 16, 2026Medical
Fast-Growing Food Truck Industry Can Operate Amid COVID-19 Social Distancing Rules, No Indoor Seating OrdersU.S. Census BureauOctober 16, 2026Food trucks
HUD and Census Bureau Release Findings of 2021 Rental Housing Finance SurveyU.S. Department of Housing and Urban DevelopmentOctober 16, 2026Real estate investors
USAspending.gov: federal spending dataU.S. Department of the TreasuryOctober 16, 2026Federal contractors
Dental Cone-Beam Computed TomographyU.S. Food and Drug AdministrationOctober 16, 2026Dental
FDA Food CodeU.S. Food and Drug AdministrationOctober 16, 2026Restaurants
Loan DocumentationU.S. Minority Business Development AgencyOctober 16, 2026Funding readiness
504 loansU.S. Small Business AdministrationOctober 16, 2026Commercial real estate financing, Investment property loans, SBA loans, Real estate investors, Restaurants
7(a) loansU.S. Small Business AdministrationOctober 16, 2026Commercial real estate financing, SBA loans, Restaurants
Lender Match connects you to lendersU.S. Small Business AdministrationOctober 16, 2026Funding readiness
SBA Form 1919: Borrower Information FormU.S. Small Business AdministrationOctober 16, 2026Funding readiness
SBA Form 413: Personal Financial StatementU.S. Small Business AdministrationOctober 16, 2026Funding readiness
SBA Franchise DirectoryU.S. Small Business AdministrationOctober 16, 2026Franchise financing, SBA loans
SBA lender resources: Partnering with SBA loan programsU.S. Small Business AdministrationOctober 16, 2026Auto repair, Construction, Dental, Commercial real estate financing, Franchise financing, Investment property loans, Business line of credit, SBA loans, Medical
13 CFR 120.160: Loan conditions (personal guarantees)U.S. Small Business Administration (regulation text via Cornell LII)October 16, 2026Funding readiness
13 CFR 120.191: The contents of a business loan applicationU.S. Small Business Administration (regulation text via Cornell LII)October 16, 2026Funding readiness
Social Security Act, Section 1842 (Part B administration; prompt payment of claims)U.S. Social Security AdministrationOctober 16, 2026Medical
Cattle & Beef: Sector at a GlanceUSDA Economic Research ServiceOctober 16, 2026Agriculture
Farm Sector Income & Finances: Assets, Debt, and WealthUSDA Economic Research ServiceOctober 16, 2026Agriculture
Farm Sector Income & Finances: Highlights from the Farm Income ForecastUSDA Economic Research ServiceOctober 16, 2026Agriculture
Farm Loans Overview (fact sheet, October 2025)USDA Farm Service AgencyOctober 16, 2026Agriculture
Farm Operating LoansUSDA Farm Service AgencyOctober 16, 2026Agriculture
U.S. Farm Production Expenditures, 2024 (Highlights)USDA National Agricultural Statistics ServiceOctober 16, 2026Agriculture
UCC 9-502: Contents of financing statementUniform Commercial Code Article 9 (via Cornell LII)October 16, 2026Funding readiness
UCC 9-513: Termination statementUniform Commercial Code Article 9 (via Cornell LII)October 16, 2026Funding readiness
Commercial FinancingUtah Department of Financial InstitutionsOctober 16, 2026Commercial financing disclosure laws
Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure ActUtah State LegislatureOctober 16, 2026Commercial financing disclosure laws
Utah Code section 7-27-202: Disclosure requirementsUtah State LegislatureOctober 16, 2026Commercial financing disclosure laws
Utah Code § 7-27-101 (definitions)Utah State LegislatureOctober 16, 2026Referral partners
Utah Code § 7-27-102 (scope and exemptions)Utah State LegislatureOctober 16, 2026Commercial financing disclosure laws
Utah Code § 7-27-201 (registration requirements)Utah State LegislatureOctober 16, 2026Referral partners
Code of Virginia Title 6.2, Chapter 22.1: Sales-Based Financing ProvidersVirginia Legislative Information SystemOctober 16, 2026Commercial financing disclosure laws
Code of Virginia § 6.2-2228 (definitions)Virginia Legislative Information SystemOctober 16, 2026Referral partners
Code of Virginia § 6.2-2230 (registration)Virginia Legislative Information SystemOctober 16, 2026Referral partners
Dealing with delayed dental claims: What Washington dentists should knowWashington State Dental AssociationOctober 16, 2026Dental
WAC 284-170-431, Provider contracts: Terms and conditions of paymentWashington State LegislatureOctober 16, 2026Dental
Supply Chain Finance by Development Banks and Public Entities: HandbookWorld Bank GroupOctober 16, 2026Invoice and purchase order financing
NC Food CodeYadkin County, North CarolinaOctober 16, 2026Restaurants