Circle of Rewards Referral Partner Membership Program

At the core of ARF Financial’s Referral Program is its ongoing commitment to provide the highest loan amounts (up to $1M), over the longest terms (up to 36 months) to your clients, while paying top dollar commissions that build wealth and steady income for you. We call it our Circle of Rewards and Circle of Influence. This new program, re-imagined to touch every referral partner hot button issue, goes far beyond any other program by providing the following valuable benefits:


Higher upfront commissions


Higher residual commissions for the life of the client


Generous milestone bonuses for volume funding


Ability to recruit other Circle Members your (Circle of Influence)


Earn override commissions on downstream member fundings


Earn a share of your recruited member’s network fees


Co-branded online application, landing page and marketing materials


Full access to new products and promotions

We are Proud to Offer One Premium and One Entry-level Membership


CEO Circle Membership

By joining the CEO Circle Membership Program you will receive the highest up-front and residual commissions, share of the Circle of Influence Network fees and override commissions from downstream members. CEO Members receive a dedicated link to the online application, co-branded marketing materials, plus a personalized landing page and co-branded online application.


Founding Circle Membership

By partnering with us and joining our Founding Circle Membership, you will receive the standard level of up-front and residual commissions. No access to Circle of Influence Network Fees or Overrides are offered at this level. A dedicated online application link and co-branded marketing materials are provided.


Become a CEO Circle Member and Earn Higher Commissions!

It’s the perfect time to become a CEO Circle Member with increased upfront and residual commissions, performance bonuses, overrides from downstream members and a new Loan Investment Program! Check out the valuable new benefits that come with a CEO Circle Membership vs. Founding Circle.
*To qualify for the 8% commissions, must be regular amortizing loan or Flex Pay loan with terms of 39 weeks or longer. To retain the Circle of Rewards benefits detailed above, CEO member must maintain an active membership which requires payment of an annual membership fee.

When considering which business lender to partner with, it’s important to compare loan size and repayment term because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

ARF Financial provides loan amounts over six times larger and repayment terms more than three times longer than a Merchant Cash Advance. Larger loan amounts mean more commissions for you, and longer terms mean lower payments for your clients. It’s definitely a win-win. Check out the comparison below:

Complete the Form Below and You Can Sell Our Products!

By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.

Frequently Asked Questions

in addition to elevated commissions, volume funding bonuses, and overrides from downstream partners, there are many other great benefits to our membership programs. To provide a thorough overview, we’ve assembled the answers to some of the most frequently asked questions. We look forward to working together!

Ongoing Training Webinars

To ensure we are providing our brokers and referral partners, new and veterans, with the proper training they need to be successful in our program, we are hosting biweekly training webinars for anyone who would like to learn more about our program and get all the latest updates to our lending criteria. We are also hosting monthly, topical breakout sessions to assist veteran partners with additional product information, prospecting tips and ways to fill their pipeline.


Full training webinars will be held the first and third Tuesday of every month 11:00am ET.


Topical breakout webinars will be held monthly on the second Tuesday of every month at 11:00am ET.


To register for any of our upcoming training webinars or topical breakout sessions, visit

Membership Has Its Rewards


Membership Re-imagined

You’ve heard the old adage “membership has its rewards”, well get ready to be impressed by ARF’s exciting new Circle of Rewards Referral Partner Membership Program! The new program, re-imagined to cover every referral partner hot button, goes far beyond other programs by providing: higher commissions, higher residuals, volume bonuses, and for the first time, overrides and on downstream referral partner fundings.


Circle of Rewards

Why become a member? For starters, to gain access to our industry-leading loan products. Our average loan size is six times larger with terms over 3 times longer than a merchant cash advance! Larger loan amounts mean higher commissions for you, and longer terms mean your clients will enjoy affordable payments that won’t wreck their cash flow. We call these member benefits, your “Circle of Rewards.”


Circle of Influence

The program doesn’t stop there. For the first time, CEO Circle Members have the unique ability to recruit downstream partners, generating network fee revenue plus long-term override commissions from their new network of members. By simply getting others to join, a member can monetize their circle of business associates and build a strong revenue stream. We call these network member benefits, your “Circle of Influence” (COI).


Loan Investment Program

Where can you find an investment with a return rate in the 30% range today? If you did, it would certainly be a windfall! That’s exactly what ARF is now offering its CEO Members by giving them an opportunity to invest up to 10% in the loans they fund. This new WINDFALL loan investment program is designed to build wealth among our CEO Members.

Loan Program Advantages

ARF Financial is a financial services company that has cultivated relationships with banks around the country so your clients can acquire a bank loan fast with limited paperwork. That means the interest is tax deductible, rates are fixed, and the terms are transparent. Your clients receive the financing they need fast, with affordable payments that won’t increase as revenue grows.


Loan amounts from $5,000 to $750,000


No tax returns or financials requirements on loans up to $500,000


Terms from 12 to 36 months with low fixed payments


Preliminary approvals in 24 hours and fundings in as little as 3 days


Repayment is not tied to credit card transactions


Simple underwriting process and low documentation


The interest paid is tax deductible and early pay-off options are available

Business Types We Lend To

From restaurants to liquor stores, to pharmacies, veterinary practices, medical professionals, and more; ARF Financial has loan products to keep a wide variety of small businesses growing and profitable. Here are a few of the business types we can help with our loans:


Restaurants, Bars, Caterers, Bakeries, Specialty Food, Liquor Stores


Doctors, Dentists, Psychiatrists, Psychologists, Chiropractors, Veterinarians


Drug Stores, Pharmacies, Grocery Stores, Hardware Stores, Pet Stores & Grooming


Barber Shops, Salons, Spas


Automotive Repair and Service


Wholesale and Manufacturing


Many other retail establishments

Our Unique Loan Products


BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you 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 additional funds on an unlimited basis!


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 you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.


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.

Complete the Form Below to Sign Up!

By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.