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Steve Ross

My name is Steve Ross and I am an Inbound Sales Development Representative for ARF Financial. I bring over 15 years’ experience in banking and finance to the company and am dedicated to helping my clients get the working capital they need to help grow their business. My professionalism along with a pragmatic approach to my client’s needs are what really set me apart. I value the traditional concept that the strongest foundations in business are built on trust and integrity. I welcome the opportunity to discuss our unique loan products and look forward to providing a winning financial solution for you.

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.

Contact me today and I’ll work hard to get you the funds you need to grow your business! I can be reached at (866) 702-4430, via email at sross@arffinancial.com or simply fill out the quote form to the right and I can get 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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  • Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.
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ARF Financial LLC is licensed by the California Department of Business Oversight as a California Finance Lender License No. 6037958.

Call us at 866-702-4430

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