Annette Bridges- Senior Loan Officer

Annette Bridges

My name is Annette Bridges, Vice President and Senior Loan Consultant for ARF Financial. I bring over 20 years experience in B2B lending 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 your clients.

Contact me at (602) 672-6393, send me an email, or or fill out the form below to find out how a Referral Partnership can be mutually beneficial.

Let’s Connect!

I’m always looking for partners with a common goal of providing affordable financial solutions for their clients, while growing their own business and profits. Let’s connect. Coffee is on me!

PROGRAM DOCUMENTS

Program Overview

PDF

Referral Agreement

PDF

W-9

PDF

PARTNER WITH ME

Referral Partner Meeting Request

Please use any of the contact information provided (via phone, email or text) to discuss my interest in the referral partnership program.

Referral Partner Benefits

  1. We will pay a 3% referral fee, based upon the principal amount of the initial new loan and the “cash out” portion of all additional advances, including line of credit draws, renewals, or re-financings that are made for a period of 3 years from the date of the initial loan.
  2. You can help insure the success of the business that you refer.
  3. You become a trusted resource for those you refer, strengthening your own business relationships.

Contact me at (602) 672-6393, send me an email, or fill out the form on the left to start earning up to 3% for every qualified referral that you provide.

Continuous Revenue Stream

We will pay a 3% referral fee, based upon the principal amount of the initial new merchant loan and the “cash out” portion of all additional advances, including line of credit draws, renewals, or re-financings that are made for a period of 3 years from the date of the initial loan. Here’s an example of the income opportunity:

Earning Potential

TYPICAL FUNDING SCENARIO:
Merchant borrows $400,000 without review of their tax returns and financials. Referral fee earned by broker is $12,000! Average loan size is $82,589. Most loans refinance after 50% paid.

WHY REFER US

For over 18 years, ARF Financial has helped thousands of business owners capitalize on their potential – and we can do it fast. Our quick loan approval process means they can obtain a working capital loan, line of credit, or bridge loan in a matter of days without the need for collateral.

We have built relationships with banks around the country so our clients can acquire a bank loan fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and the terms are spelled out ahead of time. Our clients get the financing they need rapidly, with affordable payments that won’t increase as revenue grows. In fact, we’ve helped thousands of merchants obtain approvals on more than 17,000 loans with proceeds in excess of $890,000,000.

Use our Business Loan Calculator to Find Out How Much Your Client Qualifies For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy

TERMS AND CONDITIONS

ARF Financial LLC is an exclusive 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.