Club Cash Fund Review – SCAM, Pyramid Scheme or Legit Business?

Important Notice: While some articles may discuss potential earnings, we do not make income guarantees or promises. Nor do we represent, endorse, or support exaggerated income claims. Please read our income claims disclaimer for realistic earning expectations.

Club Cash Fund Review Banner

Hi, welcome to my Club Cash Fund Review.

If you’ve been to Club Cash Fund’s sales page, you probably read their tagline about getting free money in your mailbox on autopilot. Yes, that's right! You barely need to lift a finger to earn money. The cash just ends up in your mailbox. 


You may have debts weighing you down and bills piling up, and a little extra money would go a long way. I get it. I'd love it if it were real too…

But is Club Cash Fund legit, or is it just a scam?

Club Cash Fund Review Official Site

At first glance, the Club Cash Fund compensation plan looks like a pyramid scheme to me, but I'll get more into that in a moment. For now, I have to be honest. I'm a little skeptical.  

I’m here to warn you about scams and to help you find legit opportunities to help earn you money. And I must admit, when I see “free money” or “autopilot”… I'm calling it BS.

But maybe I'm wrong. We'll see…

So in this review I'm going to explain what Club Cash fund is, how it works and whether it's a legit system that can help you, or if it's a scam. 

Here are the specific topics I’m going to discuss:

  • What is Club Cash Fund?
  • Is Club Cash Fund a Scam?
  • How Does Club Cash Fund Work?
  • Club Cash Fund Reviews and Complaints
  • What I Like About Club Cash Fund
  • What I Don’t Like
  • Where Do You Go From Here?

Please note, I am not a member or an affiliate for Club Cash Fund. This review has been researched with information and/or testimonials that are available online in the public domain. Any recommendations and/or conclusions are strictly opinions and may not apply to, or agree with, all persons or situations. See full disclaimer for more info

What Is Club Cash Fund?

Club Cash Fund’s introduction video (on their sales page) introduces a guy named Chad as the creator of the system (he also claims to be the narrator in the video).

Upon further investigation though (and looking at their contact information), I found that Chad’s full name is John Stalvey. The good news here is that John “Chad” Stalvey is a real person, and it's not uncommon for people to use a pseudonym online. 

But it also a reason to be a little more careful because more often than not, scam sites use fake names for their program creators, staff, testimonials, etc.

When you look at Club Cash Fund’s site, it's a bit of mystery. What is it?

Club Cash Fund Welcome Kit

To access their site, you first need a sponsor or a referral link (update: a sponsor is no longer required, you will be put into a rotation which assigns you a sponsor).

Before I get started, I'll share my opinion… Club Cash Fund to me looks like a cash gifting program and a pyramid scheme. 

I'll get more into my reasoning in a moment, but my the first clue is that their system mainly involves sending money in the mail, which is exactly what cash gifting scams like Impact Mailing Club and 30 Day Success Formula do. 

Furthermore… the Club Cash Fund compensation plan goes up (or down, depending on how your looking at it) three levels deep – which looks a lot like a pyramid.

Who is John “Chad” Stalvey?

John “Chad” Stalvey is not new in the Internet Marketing Business. He’s actually known for some of his online businesses with MLM's (multi-level-marketing).

Club Cash Fund Review Founder John Chad Stalvey
Source: Club Cash Fund

I want to make something clear.

I don't know John, and this review is not about John. He may be a solid person, a great friend and family man. I don't know, but I would certainly give him the benefit of the doubt.  

He obviously has a lot of marketing experience and knows what he's doing as well. 

Having said that, there are some other systems he's been involved with that don't have the best reviews. Mention of these other systems and his involvement is informational only, and not meant to be a reflection on him as a person. As I said, I don't know John personally and I'm in no way qualified to make that judgement.  

The first is Infinite Leverage, an MLM type pyramid, in which John (also known as Chad) was a co-founder. It was successful for some time, but has since collapsed (as pyramid type programs inevitably do).

He was also a co-founder of the Traffic Authority, another MLM type business.  

According to some, Traffic Authority (like Infinite Leverage) also collapsed when they ran out of people to recruit. And incidentally, I also found that Traffic Authority has a listing at the Better Business Bureau with a D- rating due to their failure to answer/resolve some of the significant complaints filed against them.

John Stalvey was also the co-founder of Finish Line Network, which is another MLM type pyramid scheme where members bought in at varous levels.

Again, like the other products, Finish Line Network doesn't have the best reviews, with some labeling it a pyramid scheme.

That brings us to Club Cash Fund, which is also a pyramid like system that requires you to recruit more members, and they have to recruit more members and so on… 

In other words, Club Cash Fund appears to be a continuation of those other multi-level-pyramids, which are no longer around.

And here's the problem… 

When a pyramid scheme collapses, the people on the bottom get crushed. Those who buy in near the end, who can't find any more people to recruit, lose there money. More on this in a moment, but there is a reason that pyramid schemes (unlike legit MLM's where the product and business opportunities are decoupled) are illegal.  

If you're not certain recruiting others or if Club Cash Fund is your thing but still want to make a little extra money online, survey sites like and Inbox Dollars won't make you rich, but they're an easy way to get started online.

They can also be a stepping stone to something more serious like an online business

You may be at home because of difficulties with your health for example, or young ones to look after. 

If that’s the case and a full-time income online is what you want, knowing how and where to get started is what you need in order to get what you want.

Now, I'm going to give you a free step by step beginner's guide to making money online and you can get it by Clicking Here

Is Club Cash Fund a Scam?

Honestly, it’s not that easy to say if Club Cash Fund is legit or a scam…

Pyramid scams usually don’t have products to sell, whereas Club Cash Fund has some kind of training materials for their members/affiliates. The question here is whether their “product” has value in it.

So, I'll talk about some of the more trivial red flags I noticed when researching Club Cash Fund, as well as the structural issues that come with these types of systems.

Red Flag #1 – Hidden Information

If you go directly to Club Cash Fund’s official website, you won’t find anything. They won’t allow you access to their site information unless you enter your sponsor’s name or get there through your sponsor’s referral link.

The red flag here is that hiding information is not common among legit money-making sites unless they have something to hide. 

Club Cash Fund Review Red Flags

This is not proof they're a scam by any means, but when it comes to getting involved with or buying anything, it's good to have transparency. 

Red Flag #2 – Connected to Controversial Programs

As I mentioned earlier, this is not a review on the founder or creator of Club Cash Fund. For all I know, maybe he had a falling out with the co-founders of those other programs because he wasn't a fan either. 

Maybe Club Cash Fund was his way of creating something better. Something he believed would really help people. 

Having said that, there is a history with Infinite Leverage, Traffic Authority, and Finish Line Network which are all no longer here and left a number of people with less money in their pockets than when they joined. 

Club Cash Fund is very much the same basic system as those other programs and in my opinion, is a red flag. 

Red Flag #3 – More Pyramid Scheme than Legit MLM

You're familiar with legit MLM's. Something like J Hilburn or Chalky and Company.

Of course, Amway and Mary Kay would be two other obvious multi-level-marketing companies you're probably familiar with. 

The thing with all of those companies is that they sell a product that has nothing to do with the business opportunity. 

With Chalky and Company for example, their business is built around a signature craft kits and tools, like a painter's powder that gives furniture a vintage look. 

There is a legitimate retail business here. 

Club Cash Fund on the other hand is not out there selling retail products that have nothing to do with the business opportunity. The only reason people are getting involved with Club Cash Fund is because of the business opportunity. 

The marketing and sales video for Club Cash Fund is selling you the business opportunity. 

In fact, it requires some real research to find out what Club Cash Fund's products even are. 

As it turns out, they are a bunch of training modules that teach you how to promote Club Cash Fund. 

Club Cash Fund Products
Club Cash Fund Products

I can't count how many times I've seen this, and it's NOT a legitimate business model. Even some high profile brands have been shut down by the FTC for paying people to sell the business model rather than the products. 

For example, here a quote from the FTC regarding it's shut down of Vemma Nutrition… 

The FTC alleged that the program operated as a pyramid scheme that compensated participants mainly for recruiting others rather than for retail sales based on legitimate consumer demand for the products.”

No one is buying Club Cash Fund products as a retail product.

The money they are spending on Club Cash Fund is to buy an opportunity of promoting the program to others. 

And here is why this is important… 

A product (like Amway soap for example) can sell forever. Amway soap has been selling for decades, and it'll probably continue to sell for decades.

You can own your own Amway business, and sell Amway products to your heart's content. There is no end in sight.  

What you can't do though, is sell the business opportunity to your heart's content because there not enough people. It's an unsustainable pyramid that will collapse. 

It's not a “possibility”. It's a mathematical certainty. And when that happens… everyone on the bottom loses their money. 

Pyramid Schemes
Source: Wikipedia (Pyramid Scheme)

If the FTC were to investigate Club Cash Fund, what would they find?

It would NOT be a network of distributors with a retail business selling products.It would be a recruitment program to make money with a mailing system that will ultimately collapse and leave everyone at the bottom holding the bag.

Red Flag #4 – Cash Gifting

Club Cash Fund works by sending untraceable cash through the mail. 

Then you get people to send you cash through the mail. The people who send you cash, get other people to sent them cash. 

You can see where this is going, and I don't need to mention the risks of sending cash in the mail. 

Red Flag #5 – False Scarcity

You will find a counter on Club Cash Fund’s sales page if you successfully access it through your sponsor. However… the purpose of these counters is to create a sense of urgency.

That doesn't make it a scam of course, and there are a lot of legit programs that use timers fro various reasons.

But it's the reason they're using the timer that makes the difference.

Club Cash Fund Review Fake Scarcity Red Flag
Source: Club Cash Fund

To be honest, I think this is just a generic countdown that's harmless. It doesn't say X number of spots left or anything fake like that. 

I just thought it was worth mentioning, specifically because it's on a page that also says “free money” and “autopilot”… and I've already given my thoughts on that. 

How Does Club Cash Fund Work?

In a nutshell, Club Cash Fund works as a cash gifting system where people mail their money to the company where it get's dispersed between various people in your “upline”.

Your job it to get others to send in money so a portion of it goes to you. 

Here are the steps to joining Club Cash Fund…

  1. Call the number on their site (you will hear testimonials from other members/affiliates on how legit the site is).
  2. Request for your Club Cash Fund kit by giving them your name, email, and address.
  3. Pay $80 to join their program as an affiliate.
Club Cash Fund Review How It Works
Source: Club Cash Fund

When you get accepted into the program (simply paying will get you accepted), you'll be required to refer other people to their site (pretty much repeat what your sponsor did to get you to sign up to their program).

They’ll give you a cookie-cutter website for this (like your sponsor’s sales page) and your goal is to build your “downline”.  

If you've heard this sales pitch before, I'm not surprised. I've heard it too. 

Recruiting people into a scheme is not my thing, but that doesn't mean it won't work for some people. I'm sure you're aware very few people ever make money in these pyramids, but certainly some will. 

If you do join, they’ll send you some training materials on how to send traffic to your sales page which includes things like sending out emails (with links to your referral page) and posting your referral link on social media.

Processing incoming affiliates and sending out starter kits are all done by the company (or Chad himself).

Club Cash Fund Compensation Plan

As you can see in this Club Cash Fund review, they’re doing what they can to simplifying things for their affiliates. Getting traffic to your promotion though, is not easy. And if you use “paid” traffic, it'll quickly run you into the hundreds, if not thousands of dollars. 

To pay for that traffic, you'll need to make more than what you spend, so I'll explain their basic compensation plan. 

Remember, you need to pay $100 to join their program. They will disperse your $80 four ways:

  • $20 – for your sponsor
  • $20 – for your sponsor’s sponsor
  • $20 – for the sponsor of your sponsor’s sponsor
  • $20 – for the Pro Rotator (new referrals without a sponsor go to the next member in the rotation)
  • $20 – for Chad/Club Cash Fund (the company)

And when someone signs up under you, you'll earn $20 from them (along with their referrals and their referral's referrals)  

The company of course is earning $20 from every member. 

There are also pro level memberships which are paid monthly or over various intervals. These allow you to earn higher commissions (on each respective pro member level you sell).

Pro Member Levels

  • 1 month – $150/month (commissions = $50)
  • 3 months – $400/3 months (commission = $150)
  • 6 months – $700/6 months (commission = $250)
  • 9 months – $900/9 months (commissions = $350)
  • 12 months – $1000/12 months (commissions = $500)

An opportunity to earn higher commissions is always welcome, but I will let you in on a little secret here. 

As I explained earlier, these pyramid type systems eventually run out of eligible candidates. You can only recruit for so long until the rate of people who are not interested or have already heard about it gets so high, no one will join. 

So, you can either let the pyramid collapse and abandon it, starting up a new one with a different. 

Or… you can create additional levels and promote those new levels to existing members

Of course, it quickly gets expensive when you start buying into these higher levels, and to be honest… Club Cash Fund isn't too bad, yet.

I've seen some of the systems get as high as $20,000. For now though, the pro level members listed above are your current options. 

Club Cash Fund doesn't cost $20,000, thankfully. But, it will cost money, and if your financial situation is tight right now, you can also earn some extra cash with “free” online survey sites.

Market research companies like Survey Junkie are a simple way to get paid for your opinion. Inbox Dollars is another site that pays for doing things you may be doing online anyway, like searching the web, watching videos and visiting websites. 

Of course, you won't be able to retire by doing online surveys, but if you've never made money online before, they can be a good place to start.

For something more significant, an online business may be what you're looking for.

Making money from home might be something you need because of medical issues, children to look after, or maybe you're just tired of working for a boss. 

If that’s the case, knowing how (and where) to get started is what you need in order to get what you want.

Now, I'm going to give you a free step by step beginner's guide to making money online and you can get it by Clicking Here

Club Cash Fund Reviews and Complaints

At the time of this review, I didn’t see many complaints about Club Cash Fund. But I did see quite a few other reviews (as you may have).

There are also quite a few complaints about the previous programs John “Chad” Stalvey is associated with, such as Traffic Authority.  

Cash Club Fund Sister Program Complaints
Source: BBB

Now I know these are not directly related, but there is a pattern here in my opinion.

Having said that, I'm not sure what John “Chad” Stalvey's involvement is with Traffic Authority today, but he is still listed at the Better Business Bureau as a co-owner.

Club Cash Fund owner Chad Stavely Traffic Authority
Source: BBB

At any rate, if I'm sending money in the mail, I'd rather it not be to a company that's associated with one known for taking money and refusing refunds, and unfortunately, Club Cash Fund is associated with one such company.  

What I Like About Club Cash Fund

  • Admittedly, some people will make money with Club Cash Fund.
  • I don't doubt there are many good people associated with Club Cash Fund. 

What I Don't Like

  • It's a pyramid scheme and according to the FTC's own rules, it's not legit… “They promise consumers or investors large profits based primarily on recruiting others to join their program, not based on profits from any real investment or real sale of goods to the public” – FTC
  • Sending cash in the mail is sketchy. ​
  • A lot of people will lose their money when the Club Cash Fund pyramid saturates. 

Where Do You Go From Here?

Personally, I’m not even into legit MLM's, never mind shady pyramid schemes. And the way Club Cash Fund is structured, it's a shady cash gifting pyramid scheme in my opinion. 

If I'm wrong, I'd be happy to revise my review. 

I know you want to make money online. You may have bills stacking up or debts collectors calling, a little extra money would go a long way. I understand. 

But sending money in the mail and recruiting others to send money to you is not a strategy I can recommend. I'm not saying you should or shouldn't, only you can decide that. 

You should be aware though, that even if you do make money with a pyramid scheme, at some point it will saturate and people you've encouraged to join (or you referrals encouraged to join) will lose their money.

That's not an opinion. It's a mathematical certainty. 

The good news is, pyramid schemes are not the only way you can make money online. 

You might be a student in school or a single parent at home. You may have health challenges that make regular work difficult, or maybe you just hate your job and you’re desperate for a way out.

If that's the case, an online business is what you want. 

With all the scams and schemes out there though, knowing how and where to get started the right way is what you need in order to get what you want

Now, I'm going to give you a free step by step beginner's guide to making money online and you can get it by Clicking Here

If you're just looking for a simple way to make some extra spending money, online survey and get-paid-to sites are good way to get started. 

Sites like Survey Junkie will pay you for your opinion and Inbox Dollars offers rewards for doing things like watching videos, visiting websites and searching the web.  

Of course they won't make you rich, but if you've never made money online before, they can be a good first step.

I hope my Club Cash Fund review has been helpful and if you have any comments, questions, or experience with Club Cash Fund, please share in the comments section below.

Important Comment Disclaimer: 
The views, information and opinions expressed in the blog comments are solely those of the individuals involved  and do not necessarily represent those of Gig Hustlers, its owners, employees, or writers. Gig Hustlers is not responsible for, nor does it verify the content provided by individual commenters.

Leave a Comment