Welcome Circle of Rewards Members!
Capital Connections, just as it sounds, is the connection with you, our valued Circle Members, to remain in the know on all the latest promotions, webinar information, contests, prospecting tips, product and underwriting changes as well as success stories from other members. If it’s happening in our Circle of Rewards Membership Program, you can find out about it here.
Referral Partners have two exceptional opportunities to renew their CEO Circle Membership at no cost!
Don’t miss these exclusive opportunities to continue enjoying the benefits of your CEO Circle Membership for FREE!
ARF Financial wants all new and existing members to experience the benefits of a CEO Circle Membership, FREE for 90 days! That’s right. You can now sign up for a CEO Circle Trial Membership at no cost until 6/30/2024. During the90-day trial period, you’ll earn top-dollar commissions on new new and residual fundings, and be eligible for additional benefits and bonuses! Best of all, if you fund $500,000 or more during the free trial period, you’ll receive another 12 months Free!
Experience the benefits of our CEO Circle Membership and you’ll be hooked!
Current CEO Circle Members Can Earn a Free Membership
Current CEO Circle Members can also renew their membership without any fees if they fund $500,000 before their expiration date. This renewal pathway will now be a permanent benefit for all paid CEO Circle Members. Contact your assigned loan consultant for full details about this offer!
With today’s inflationary instabilities and supply chain debacles, now more than ever business owners must be financially prepared to pivot at any moment. That means quick access to the most affordable capital is essential to keep pace with the challenges they face. ARF Financial understands those changing needs and has recently introduced a new Interest-Only Revolving Line of Credit, IO-Bankroll, to help merchants maneuver as quickly as the market fluctuates.
With IO-Bamkroll, clients only pay the interest on their outstanding balance for up to a year and can draw funds or make partial principal payments as often as they need during the 11-month revolving period. This ensures the client is in complete control of their finances based on the franchises changing needs.
Introducing The Big Deal, ARF Financial’s new amortizing term loan. With loan approvals up to $1,000,000 and repayment terms up to 24 months, The Big Deal term loan is a great solution for clients seeking a significant boost in capital to expand and grow. Whether it’s to finance a large equipment purchase, inventory and raw materials, expanding to a second location, or facility renovations, this financing option is perfect for growing businesses.
Here’s where it gets even better. CEO Members can earn up to 10% commissions UPFRONT on an initial funding of $125,000 or more, as well as any line of credit drafts the client takes. Now, that’s what we call a Big Deal!*
CEO Circle vs. Founding Circle Membership Comparison
With elevated upfront and residual commissions, generous performance bonuses, overrides from downstream members, a loan investment program, and exclusive access to superior products and promotions, there’s never been a better time to become a CEO Circle Member! Check out all the valuable new benefits that automatically come with a CEO Circle Membership vs. Founding Circle.
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Top Loans Funded in March 2024
Restaurant
$500,000
Time in Business: 7 Years
Annual Revenue: $3.6 Million
State: Texas
Credit Score: 800+
Loan Product: Revolving Line of Credit
Term: 104 Weeks
Client’s First Draw Amount: $156,000
Total Commission: $12,500
Automotive Repair
$75,000
Time in Business: 10 Years
Annual Revenue: $1.3 Million
State: California
Credit Score: 650-699
Loan Product: Revolving Line of Credit
Term: 78 Weeks
Client’s First Draw Amount: $75,000
Total Commission: $6,000
Wholesale
$250,000
Time in Business: 5 Years
Annual Revenue: $8,000,000
State: Texas
Credit Score: 601-650
Loan Product: Revolving Line of Credit
Term: 78 Weeks
Client’s First Draw Amount: $75,000
Total Commission: $6,000
Manufacturing
$200,000
Time in Business: 5 Years
Annual Revenue: $3 Million
State: Alabama
Credit Score: 700-750
Loan Product: Revolving Line of Credit
Term: 104 Weeks
Client’s First Draw Amount: $63,000
Total Commission: $5,040
A Restaurant Survival Tool for Inflation: Cash Discounting
Cash discounting is growing in acceptance with more than 30,000 restaurants and businesses adopting cash discounting programs. Even large corporations like Hilton and Starbucks are coming on board. While a small number of consumers will opt to pay cash, there has been little to no negative effects on consumers choices or loss of business by the merchant.
Commercial Disclosure Laws Create Legal Challenges for Referral Partners
You may be aware that new commercial financial product disclosure laws have been adopted in several states, but did you know that these laws impose significant obligations on both the providers of these products and the referral partners who source the customers for these providers? Are you and your funders ready for these changes? Here’s what to do.
MCA Funders in Legal Jeopardy Due to New Court Decisions
The merchant cash advance (MCA) industry has often walked a “legal” tight rope in its product offerings. Recent decisions by the U.S. District Court for the Southern District of NY (in Manhattan) have called certain MCA practices into question in upholding legal challenges to these practices as a legal sham which may violate the Racketeering and Corrupt Practices Act (“RICO”).
Free 90-Day CEO Circle
Offer Extended till June 30th, 2024
With increased upfront commissions, performance bonuses, share of network fees from recruited CEO members, override commissions from downstream members, and a new Loan Investment Program, Referral Partners can definitely earn more in 2024! And, for a limited time, Referral Partners an be part of this exclusive club for FREE! Click below to see all the additional benefits.
WINDFALL Loan Investment Program
Where can you find an investment with IRR’s in the 30% range today? If you did, it would certainly be a windfall! That’s exactly what ARF is now offering its Circle of Rewards CEO Members by allowing them to invest in the loans they fund with ARF! Welcome to the new WINDFALL program designed to build wealth among our CEO Member Partners! CEO Members can now invest an amount up to 10% of a loan a they fund and reap the WINDFALL!
Upcoming Training Webinars
The best way to be successful is to stay educated! We invite you to join us on one of our webinars to learn more about our program. Full training webinars are held twice a month and a topical breakout session webinar is scheduled once a month on a variety of topics.
Success Stories
We really enjoy hearing about the successes from our members and, of course sharing them with others. There are many members with unique, interesting and informative client success stories. You may read one that inspires you to try penetrating a new vertical. Maybe we’ll feature one of your stories here too!
Join the Circle of Rewards
Not a member yet? If you’re thinking about joining our Circle of Rewards Membership Program we have lots of information to share. Learn about all the details by viewing the presentation below or by visiting our Circle of Rewards page.
Circle of Influence
Are you growing your Circle of Influence? The larger your circle, the more money you’ll earn on override commissions from downstream fundings for as long as your an active CEO member!
(Does not apply to Founding Circle Members)
Need Help with Marketing ARF Financial?
Circle of Rewards members can take advantage of the available marketing materials and customizations to further maximize their sales efforts. Whether you are focused primarily on cold calling, digital marketing, email or direct mail, we provide support and resources to help you sell ARF Financial loan products.
Our Unique Loan Products
BANKROLL – Revolving Line of Credit
Businesses are always evolving. Wouldn’t it be great to have a financial product that’s flexible enough to evolve with them? Now we do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!
Interest-Only Bankroll Revolving Line of Credit
ARF Financial’s IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives your clients the flexibility to draw funds and pay down their principal balance as often as they need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool that Referral Partners can use to help fuel their client’s business growth.
Interest-Only Flex Pay Loan
We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows clients to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited loan drafts for up to a year!
Minimum Qualifications
Industry Type
We lend to more than just restaurants. Over the years we’ve expanded to include many more industry types. Click here to see the full list.
Credit Score
We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.
CEO CIRCLE MEMBERSHIP SIGN UP FORM
It’s the perfect time to become a CEO Circle Member and take advantage of the BIG increases in commissions, performance bonuses, Circle of Influence override commissions, and a new Loan Investment Program!