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.

Free tool

How much cash does the wait cost you?

The work is done, the invoice is out, and the money arrives later than the bills for doing it. Put in your own numbers to see how much cash your business carries while it waits. Nothing you type leaves this page.

Your numbers

Payroll, materials, fuel, parts, subcontractors: the costs you pay before the customer pays you.

Days of work before you can invoice, plus the days the customer takes to pay.

  • –cash tied up in the wait today
  • –with the extra work you picked
  • –more cash the growth needs

Enter your monthly costs and the days you wait to see the gap.

How the math works

If you spend money every day to do the work and get paid a set number of days later, you are always carrying that many days of costs. The calculator takes your monthly costs, turns them into a daily figure, and multiplies by the days you wait.

Gap = monthly costs ÷ 30 × days you wait. Take on more work and the gap grows by the same share, because the new jobs have to be paid for before they pay you.

This is the cash your business needs on hand, or from somewhere, to keep working at the pace you choose. It says nothing about what any lender would offer, cost or decide.

What owners usually do with this number

  • Shorten the wait. Deposits, progress billing, and invoicing the day the job closes all cut the days you carry.
  • Match the financing to the gap. A gap that comes back every month is a different problem from a one-time equipment buy. A line of credit and invoice financing are built around receivables; equipment financing is built around a purchase.
  • Know your industry’s version. Pick your industry to see where the cash goes and what a lender will want to see.

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 the minimums ROK lists on its partner application. Meeting them is the starting line, not a decision.

  • 4 monthsminimum time in business
  • $10,000minimum monthly gross sales
  • U.S.based and operating

Credit history is one input among several. ROK reviews the whole picture: revenue, deposits, time in business, and what the money is for. What to have ready.

Start your application

A referral club, free to apply. ROK Financial and its lenders review every request and make all funding decisions. How we’re compensated.

Prefer to go straight to the funder? You can apply on ROK's own site. It carries our referral ID.