Is the Club Cash Fund a Scam – A Cash Gifting MLM Scam Exposed!

Welcome to our Club Cash Fund Review!

Is the Club Cash Fund a Scam?  There are definitely some red flags when you start digging into this cash gifting scheme.

We have recently reviewed a number of cash gifting programs and they all seem to follow a similar model, where they promise you easy money, but it isn’t actually as easy as they make out.

With a reliance on recruiting new people as the only way for you to make money, we suspect this program could actually be a Pyramid Scheme.  Read on to learn why we feel that way…

First off, it’s great to see that you’re doing your research before buying into any “seemingly good” product.

That is how you avoid scams and find only legitimate ways to make money online!

To be completely transparent with you, we’re not associated with The Club Cash Fund in any form.  We’re not here to pitch or sell you anything.

Instead, we just want to reveal to you all the red flags that we found out during our research…

Club Cash Fund Review Summary

Product Name: Club Cash Fund

Founder: John “Chad” Stalvey

Product Type: Cash Gifting MLM company (Pyramid Scheme)

Price: $80 to sign up

Best For: No One!


Summary:  Club Cash Fund is a cash gifting MLM business opportunity.  The sales pitch makes it look like it is really easy to earn money, but there are too many red flags about this product and as it is totally reliant on you recruiting new members and the lack of a product, we feel it is more like a Pyramid Scheme and a way for you to lose your money…

Rating: 10/100

Recommended? No!

Table of Contents

What is The Club Cash Fund?

In simple terms, the Club Cash Fund is an MLM or Multi-Level Marketing opportunity which works on the basis of a cash gifting system.

What this means if that members who join up send money or “cash” in the mail, hoping that they receive cash from other members who join after them.

This isn’t the first cash gifting scheme we have found; we have reviewed the 30 Day Success Club and we thought it constituted a scam. 

They may not be entirely illegal, but that doesn’t mean they are legit either or worthwhile, if you consider the other cash gifting schemes we have reviewed – we consider many of them scams and they lack any real chances of working in the long run.

Who's Behind The Club Cash Fund?

The landing page doesn’t tell you who is behind it, but if you dig long enough, we found out it was John Stalvey.

This website only launched in October 2018.

But John is an old hat at MLM, with programs like GiveOpp and Numis Network back in 2010.

He then came back on the scene with the Infinite Leverage System, which ran through Streamlined Marketing Systems.

But this collapsed in 2015 and then he launched Traffic Authority, but guess what happened?

Yep, it closed in 2017, but then got rebooted as the Finish Line Network.

Now, he has the Club Cash Fund.

I don’t know about you, but this is when I started questioning whether I could trust this guy in any way, and I hadn’t even got into the product yet…

How Does The Club Cash Fund Work?

Let’s first answer the question about whether it offers a product or service and the answer is… there is no product or service for you to sell or offer.

It is simply a system where you gift cash in the hope that you get some back if anyone else decides to believe the BS in these schemes and put money in too.

Does Club Cash Fund Work?

If you are asking me whether you could earn money through this scheme, I would be sceptical, but I would say yes.


If you were expecting to earn a full-time income with this program, then I would have to disappoint you and say that is not how it works!

They use the sales pitch that you will “get $100 in your mailbox on autopilot” But it doesn’t state when you will get it, or even if you will get it.

There is another important factor to consider too.  Cash Gifting via direct mail is not legit at all.

You will be earning money across multiple levels and that is why this business model looks more like an illegal pyramid scheme, and the FTC have closed down businesses for operating these schemes too.  

Not all MLM companies run a pyramid scheme.  99% of people lose money with MLMs, but at least most of them offer you products and services to promote. 

With this scheme, you are posting money in the hope that it comes back that they received it and that someone else will cough up in the same way so you can earn money too.

I cannot see why people would send money to a complete stranger, regardless of how good their sales pitch is.

Haven't Made Your First $1 Yet?

Studies have shown that more than 70% of the people who want to make money online have not made their first dollar yet. So, you’re not alone!

How to Make Money with Club Cash Fund

Let us go through how you are supposed to make money with the Club Cash Fund and see what you think after that.

To make money with Club Cash Fund, you will have to:

  1. Sign up to qualify for cash gifts
  2. Recruit other people to join under you
  3. Help people recruit under them to earn commissions

The bulk of any money you earn will come from recruiting new people into the program, which is a red flag for this being a pyramid scheme under the FTC guidelines.

We have no proof it is a pyramid scheme, but I do believe the FTC would agree.

Getting Started with The Club Cash Fund

To join Club Cash Fund, you need to pay $80.  This just gets you into the gifting system.

Then every time you recruit someone who pays the $80, you will get a $20 commission.

The remaining $60 goes to the person who recruited you and so on.

It might sound really easy, get a few mates to join and you are earning some money.  But, like anything like this, it is nowhere near as easy as they make out…

The Club Cash Fund Compensation Plan

The owner, John Stalvey coordinates the compensation through the website rotator system.  This system is designed to take all of the members referral links and then divide them by everyone within the rotator.

The idea is this give everyone equal opportunity to earn money within the system.

SO, every direct and indirect referral gets you $20.

The plan works out like this:

Position 1: This is your current level, and you will get $20

Position 2: Your sponsor would get $20.00

Position 3: Your sponsor has a sponsor too. So, they’ll get paid $20.00

Position 4: Sponsors of your sponsors’ sponsors get $20

Position 5: The company receives $20.00

Still confused? So, Am I.

What We Liked About The Club Cash Fund

There’s nothing we liked about the Club Cash Fund…

What We Didn't Like About The Club Cash Fund

Here is what we didn’t like about the Club Cash Fund:

#1 Are You Ready to Recruit a Lot of People to Make it Worthwhile?

You are going to need to recruit at least 4 people to be able to make up for your initial $80.  But you are going to need to recruit more people to start making any profit.

For us, this is simple not worth the hassle.  Added to that is the fact that you are not on a fixed schedule as to whether you will get paid $20 every time you recruit someone.

All that work for $20, no thanks…

#2 It is Simply Not Sustainable

Like most cash gifting schemes, it is simply not sustainable because you only get paid once you have signed someone else up.  As, most would describe this as a pyramid scheme rather than an MLM, it begs the question of whether anyone else would sign up with such a program

#3 All the Signs of a Pyramid Scheme

The FTC may not have found this scheme and classified it as one, but we think it has all the signs of one:

  • No actual product or service
  • You income is based only on recruiting new members
  • Paying for something you don’t want or need

You are very likely to lose your money whether you feel this is an MLM or a Pyramid scheme.

Either way our advice is to avoid this at all costs.

Haven't Made Your First $1 Yet?

Studies have shown that more than 70% of the people who want to make money online have not made their first dollar yet. So, you’re not alone!

Is Club Cash Fund A Scam?

We have reviewed a number of these cash-gifting schemes and in our opinion, they are all scams.  There is no real evidence that they will make you any money, or that they are doing via legit manners. 

The business model is not sustainable either way, and it has all the signs of a Pyramid Scheme and that is enough for us to not recommend this and even call it is a possible scam.

How We Make Money Online

We are not a fan of MLM.  Not all of them are illegal, but stats show that 99% of people lose money from them.  They are normally expensive to get started in and have loads of restrictions.

We feel Affiliate Marketing is the ultimate alternative… It is our top recommended business model for anyone looking to make money online.

The reasons are simple…

  • You don’t have to recruit anyone to make money
  • You will have the freedom to promote any products you want
  • You will have no restrictions to only promote the products from one MLM company
  • It is FREE to get started.

We think that Affiliate Marketing is 100x better than any MLM, and if you want to learn more about how you can get started, then read more about our top recommended program to help you GET STARTED.

Thanks for checking out our Club Cash Fund review.  If you still have any questions or maybe you have some experience with this or other cash gifting schemes and want to share your experiences, we would love to hear from you.  Write us a comment below and we will get back to you as soon as we can 😉

Thanks for checking out our Club Cash Fund Review!  If you have any questions or comments to add, then please write them in the comments section below. 😉

Club Cash Fund






Money Making Opportunity


Overall Rating



  • Nothing


  • High Levels of Recruitment
  • Not a Sustainable Business Model
  • All the Signs of a Pyramid Scheme

12 thoughts on “Is the Club Cash Fund a Scam – A Cash Gifting MLM Scam Exposed!”

  1. Thanks for reviewing the club cash fund, really comprehensive and good review on it. This was one of the programs and platforms I was about to invest when I was seeking opportunities to make money online. Thankfully I found something better. Thanks, sites like yours and people like you, there are lots of information for people to avoid getting scammed and able to make money online. 

    • Hey Jesse,

      we are glad we were able to save you a lot of hassle.  It might only be $80, but there is little chance you would even recoup that, let alone make a full-time income with it…

      All the best


  2. firstly, thank you for sharing this review about another MLM business model company as this club cash fund. To me, this is nothing better than a normal pyramid scheme that is simply hell bent on getting other people to signup and the means of doing that is to coerce us into bringing more people into the system before we get paid. That is not very okay with me and for this reason, ‘m not thrilled with joining such a platform.

    • Hey Roger,

      it is clearly a pyramid scheme – I know the FTC haven’t come out and said that, but it doesn’t matter.  The fact there is no product or anything of value, worries me.  I am not sure about the post in the US, but in the UK they clearly advise you to never post cash anyway and from my research it is illegal to do do a mail cash gifting scheme anyway…

      Clearly enough to say – Stay Clear!



  3. Its obviously that this type of company is just another MLM scam trying to trick people in joining them. After that you are usually given all the hype and well known instructions to recruit and recruit and recruit again. This only leads to making the people on the top of the pyramid get even more rich. Cash Club Fund should be definitely avoided at all cost.

    Thank you for exposing them.

    • Hey Strahinja,

      You said it, all hype to make the owner more money.  It is really suspicious when he has had a number of programs that have had to be stopped or relaunched.  Tells me that the FTC was getting too close for comfort.



  4. Hi,

    Thank you for writing this valuable post on club cash fund valuable because for people that read it will give them some perspective on this club cash fund. Personally I wouldn’t go near a scheme like this because there is no product or service to sell, the whole idea of gifting cash in the hope that you will make money on the back of someone else gifting money to you is absurd. Imagine getting into a scheme like this then maybe the whole operation could be closed down by the ftc, you are correct it just isn’t sustainable.

    Well done on pointing out all of this stuff to people.


    • Hey Fintan,

      these guys are clever in the way they word it, and unless you do some research newbies get caught up in the hype around it being easy money.  It is a shame, but it is also a fact around the online world…


  5. Thankfully that I am yet to waste my money on signing up on a platform as this. Though I was very skeptical towards this platform at first but then, I decided to make more research before joining and I am glad you confirmed my suspicions about this platform for me. wow! This is really another MLM scam. I’m surely going to share this out to all my friends so that they can be wary of platforms like this.

    • Hey Bella,

      they promise easy money and that is simply not the case and the so-called system to even it out, means that the owner can make most of it go to them.  Why would they have a system that doesn’t pay them?

      It doesn’t make sense at all.


  6. Hello,

    Thanks very much for this review, a successful online business starts with finding the right community around it.

    some of these, are just after people’s money, with out delivering any value to their members. this is the very reason why I decided to stick on wealthy affiliate, hence this success.

    the only is that newbie fall prey for these malicious programs, its great hindrance in this online world

    • Hi Mugulu,

      it is unfortunately the nature of the online world, that people get sucked in by the fake promises these people have with this schemes.

      Some will have to get their fingers burnt before realising, there isn’t an easy way of waking up and finding money in your bank without doing any hard work.

      Communities like Wealthy Affiliate offer a safe environment for people to learn how to earn successfully, and if people can benefit from it that is much better deal than a scammy product like this one.




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