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Sebastian Rios

Hello. I’m Sebastian Rios, Loan Consultant with ARF Financial and a 19-year financial services veteran. I take pride in building lasting relationships with my clients by obtaining a thorough understanding of their needs and tailoring a solution to help them achieve their goals. Throughout my career, I’ve earned the trust of business owners like yourself by helping them obtain the working capital they need to build and sustain a successful business.

Business owners call us first because we are not a cash advance or factoring company. We have nothing to do with your credit card transactions. The loan you receive is tax deductible resulting in lower overall cost of funds. The payments you make are fixed and will not change during the term of the loan – as your revenue grows you keep more of it!

Our loan products feature affordable, fixed repayment terms up to 36 months with no collateral required. Whether you need financing for expansion, renovation, new equipment, or simply to improve your cash flow, don’t hesitate to contact me and I will work hard to find the right solution for you!

Contact me at (917) 561-0464, email me, or fill out the quote form and I can provide you an immediate, customized loan proposal.

Loan Calculator

* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy

ARF Financial LLC is a direct lender and a third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

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ARF Financial LLC is licensed by the California Department of Business Oversight as a California Finance Lender License No. 6037958.

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