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Name: Club Cash Fund
Website: clubcashfund.com
Price: One time payment of $100
Owners: John “Chad” Stalvey

Training Quality: 2/10
Mentorship/Support: 5/10
Websites Included: YES
Free Trial: NO

Overall Rank: 3/10

If you’ve been looking to make money from home mailing postcards, chances are you’ve come across Club Cash Fund. It’s one of those programs that claims you can earn money on autopilot. No mailing, no selling, just sit back and watch the money roll in. While this may sound like a lazy man’s dream come true, is it really that simple, or just a cheap marketing gimmick meant to suck you in? In this Club Cash Fund review, I’ll break down how the program really works, the benefits, drawbacks, and what they don’t tell you upfront.

I’ve tested similar mailbox flyer programs before, and while they all promised ‘easy money’ with very little work involved, they conveniently left out the part about costly advertising, and the MLM style-structure of the program. I’ve learned the hard way these programs aren’t as simple as they seem.

Club Cash Fund caught my attention because of its bold claims and while I’m not an active member, I requested the free starter kit to learn more, which I’ll be sharing in this review.

Alright, let’s dive in!

Club Cash Fund: An Overview

What Is Club Cash Fund?

Club Cash Fund is an online cash-gifting program that claims to provide a way for members to earn passive income. The system operates by inviting people to join, sending an upfront payment, and recruiting others to do the same. Unlike traditional affiliate marketing or e-commerce, Club Cash Fund does not sell physical products or services, its main selling point is the opportunity itself.

While it’s marketed as a simple way to make money, it follows a structure commonly seen in pyramid schemes. The Federal Trade Commission (FTC) warns that programs relying primarily on recruitment, over actual products struggle with long-tern sustainability. 

One of Club Cash Fund’s standout features is its automated traffic rotator, which distributes names of potential recruits among members. While this may sound appealing, the frequency of your name being recycled through the system is unpredictable, and cannot be something you can rely on for consistent income.

Just like other direct mail programs such as Postcard Tycoon and Cash Building System Unlimited, the program’s earnings still depend entirely on bringing in new members rather than selling a product or service.

If you’re curious about how Club Cash Fund compares to similar programs, check out my in-depth review of  Postcard Tycoon

Brief History of Club Cash Fund

Club Cash Fund was launched in 2019 by John (Chad) Stalvey

Upon further research, John (Chad) has been involved with multi-level marketing programs in the past going back to 2010

Numis Network, Giveopp, and Infinite Leveraged Systems to name a few.

Infinite Leveraged Systems was rebranded to Traffic Authority in 2018 which he co-owns with Greg Chambers, and Doug Wellens.

Club Cash Fund appears to be his main flagship program, and is headquartered in Tallahassee, Florida.

The Inner Workings of Club Cash Fund

How Club Cash Fund Works: A Step-By-Step Breakdown

Below is a step-by-step breakdown of how Club Cash Fund works. 

Step 1: Requesting A Free Starter Kit

To join Club Cash Fund, prospective members request a free starter kit through the company’s website. This kit is sent via mail and contains:

• An explanation of how the system works
• A pre-written sales letter to help with recruiting
• Instructions on where and how to send the required payment

The starter kit if free, but joining the system requires a cash payment.

Step 2: Paying The Membership Fee

To become an active member, you must send in a one-time $100 cash payment via. The payment is then distributed through a 5-tier compensation system. This means the money is split among multiple levels of existing members.

• $20 goes to your direct sponsor (Level 1)
• $20 goes to your sponsor’s sponsor (Level 2)
• $20 goes to the next level above that (Level 3) 
• $20 goes to a random “PRO Member” (Level 4)
• $20 goes to the company itself  (Level 5)

Once your payment is received, you’re officially a member and can start referring others.

Step 3: Recruiting New Members

After joining, members receive access to an online back office and capture page to promote Club Cash Fund. The system claims to use an “automated rotator” to help members get referrals, but ultimately, success will depend your personal marketing efforts. Ways you can promote the program include:

• Sharing your capture page link on social media, forums, and online ads
• Sending pre-written emails to potential recruits
• Using paid traffic methods (Google ads, Facebook ads, or Club Cash Fund’s own traffic source – Traffic Authority)
• Distributing physical postcards and mail flyers (similar to other direct mail programs)

Step 4: Earning Commissions

Members earn commissions when they successfully refer others who join and make the $100 payment. This only allows you to personally earn commissions on the first 3 levels. 

• If you recruit someone, you earn $20 (Level 1 commission)
• If your recruit refers someone, you earn $20 from their recruit (Level 2 commission)
• If that person refers someone, you earn $20 from their recruit (Level 3 commission)

Since there is no actual products being sold or services rendered, the only way to make money is by continuously bringing in new members. If recruitment slows down, your earnings stop.

The Sustainability Issue

The table below illustrates how Club Cash Fund’s structure grows over time. As more people join, finding new recruits becomes harder, making it nearly impossible for later members to earn consistently.

The Traffic Trap

Now, here’s where the trouble starts for most people, because once you’ve joined, you’ll quickly realize that getting people to join under you isn’t as easy as they make it sound.

Your back office conveniently includes an affiliate link urging you to buy traffic from Traffic Authority. A company that just happens to be co-owned by the same guy who owns Club Cash Fund, John Stalvey.

So let’s recap:

• You pay $100 + to join
• You make money only if other people join
• You’re highly encouraged to buy expensive traffic from the owner’s other business
• If people stop signing up, your business falls apart.

What Club Cash Fund Doesn’t Tell You

Now that you understand how the program actually works, let’s talk about what they don’t tell you upfront.

No Recruitment = No Income

While Club Cash Fund promotes an ‘automated income system,’ in truth success will depend entirely on your own marketing efforts. The system may sound hands-free, but in practice, it’s a clever marketing tactic designed to encourage upfront payments before members realize that making money requires constant recruiting.

No Refunds

Once you send in your payment, there’s no getting it back. Since Club Cash fund requires payments to be made in cash through the mail, there’s no official refund policy set in place. If you change your mind after joining, there’s no way to recover your money.

Another major downside is the lack of a support community. Unlike other online business models that rely on structured training, Club Cash Fund leaves you relying on your sponsor. The digital products that you’ll have access to wont actually teach you how to market effectively, making it difficult for beginners to succeed.

The Traffic Authority Sales Funnel. 

Remember how I mentioned Traffic Authority? This is a classic upsell trap.

Once you’re inside Club Cash Fund, you’re encouraged to buy paid traffic from Traffic Authority, which is the same person who owns Club cash Fund. 

Upsell traps like this aren’t exclusive to Club Cash Fund where you’re only paying for traffic, it’s common in similar programs where, once you’re in, they conveniently push their affiliate links to tools, software, and training courses, things you supposedly ‘need’ to succeed. Rather than teach real marketing skills, they profit by getting you to spend more money on their recommended (and often overpriced) services. 

How Does Club Cash Fund Rotator System Work?

Club Cash Fund claims you can make money thanks to their “traffic rotator system.”

Here’s how it works:

• When you join, your name is added to a rotating list of members.
• When the company generates traffic, it distributes leads randomly among members.

In theory, this means you can get sign-ups without doing any marketing yourself.

How Often Does Your Name Cycle?

That’s the million dollar question, and there’s no clear answer. Club Cash Fund doesn’t provide details on:

• How many people are in the rotator at any given time.
• How much traffic is actually being generated.
• How frequently your name will be picked.

Can you see where this is a problem?

If you’re relying on the rotator alone, don’t expect to be quitting your 9-5 job anytime soon. The idea of lounging in a Lazy-boy, munching on popcorn while having your mailbox stuffed with cash sounds convenient, just not realistic. 

Can You Make Money On Autopilot?

Technically, yes. But you’re not going to be pulling in thousands of dollars a month just sitting around. At best, the rotator might bring in a few sign-ups here and there. But if you want consistent income, you’ll have to market and recruit yourself, just like with any MLM style program.

How Much Is It To Join Club Cash Fund?

At the standard level, Club Cash Fund requires a one-time payment of $100 (plus a $10 admin fee) Once inside, you have the option of upgrading to the pro level where you can supposedly earn bigger commissions of up to to $500 -$1000 per sale.

Bigger commissions are always better, right? But here’s what they don’t emphasize:

• Pro level comes with recurring monthly fees
• You’re not really buying a real product, you’re just paying for a higher earning tier in a recruitment system.

Are There Products Tied To Club Cash Fund?

At the $100 level, you’ll have access to these two digital products that are located in your back office:

• Email Profit’s Bootcamp by Darren Hanser
• Domination with Free Facebook Strategies by Chiara Francica.

 It’s important to note, as a member, your focus wont primarily be on promoting these products. Instead, you’ll be leading with the opportunity to make money through the mail, positioning the business model itself as the main draw. Any digital products offered function more as an add-on rather than the central selling point making them irrelevant.

Club Cash Fund Compensation Plan

After paying the $100 fee, you become eligible for cash gifts by getting others to join as well. The comp plan operates on a 3-tired system. Here’s how it works:

• Level 1: You make $20 for every person you directly refer
• Level 2: You make $20 when someone your referral brings in joins
• Level 3: You make $20 when a referral from your Level 2 referral joins

Essentially, you’re having cash sent to you not just from your direct referrals, but also from the people they refer, and the people those referrals bring in creating leverage for you to make passive income.

Club Cash Fund Benefits & Potential Drawbacks

Benefits:

No Mailing Required

Unlike other mailbox programs, Club Cash Fund employs a fully automated system that manages the mailings for you, eliminating the need of ever having to send out a single postcard or flyer yourself.

Anytime someone requests their free Club Cash Fund starter kit from your website, the owner himself (John Stalvey) will mail it on your behalf absolutely free of charge. This has the potential to save you thousands of dollars in marketing costs.

Sales Automation

The Traffic Rotator makes it possible for you to generate sales without you having to do anything. While this feature is handy, keep in mind nobody knows how often your name will rotate among visitors who are requesting starter kits.

Hybrid Program

Club Cash fund by provides you with a capture page and a back office to track sign-ups allowing for greater marketing flexibility. Whether you decide the traditional advertising route of postcards and flyers, or go with online marketing, the choice is yours. You can even combine both online and offline methods to maximize your chances for success.

Drawbacks:

Uncertain Rotator Frequency

Although Club Cash Fund features a traffic rotator to help distribute leads among members, the frequency with which your name appears, and how often you receive leads will be highly unpredictable, making it difficult to rely on for consistent sales.

Training & Support

A major drawback of Club Cash Fund is the lack of an official online community or forum where members can connect, ask questions, and share strategies for marketing and business growth. Without this kind of support system, your success may heavily depend on your sponsors involvement with the program.

This is a big concern because If your sponsor becomes inactive, you could find yourself struggling to get the help you need in order to navigate challenges and build momentum in your business.

Focus On Recruitment

Most flyer programs, including Club Cash Fund emphasize recruiting others rather than selling a unique product or service, which as I’ve stated before, aligns with multi-level marketing (MLM) models.

Comparing Club Cash Fund To Other Similar Programs

Here’s how Club Cash Fund stacks up against other similar programs like Postcard Tycoon and Cash Building System Unlimited. While these programs all focus on direct mail marketing, there are some key differences in cost, automation, and marketing flexibility that could affect your success.

The table below provides a quick comparison of these programs to help you see how each one differs. 

Final Thoughts: Is Club Cash Fund Worth It?

Club Cash Fund may sound like an easy way to make money, but its cash gifting model relies exclusively on recruiting new members. Without continuous sign-ups, the system will slow down and eventually collapse, making it unstable over the long run. 

Can you make money with Club Cash Fund? Technically, yes you can. But the better question is: How likely is it? For most people, the odds aren’t in their favor.  

Another key concern is the lack of a refund policy. Once you send in your payment, there’s no way to get it back. Always be cautious of programs that don’t offer a money-back guarantee or a free trial. A legitimate opportunity should give you a chance to explore what you’re paying for before committing. If a program requires an upfront payment with no way to get your money back, consider it a red flag.

In the end, I highly suggest you give Club Cash Fund a hard pass. It has all the hallmarks of an MLM and a cash gifting scheme, where making money depends entirely on recruiting others. 

What do you think about Club Cash Fund?

Have you tried it or a similar program? Was it worth it?

I’d like to hear your thoughts! Drop a comment below and let’s discuss!

My #1 Recommendation

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