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.
Upgrade Now and Earn Higher Commissions!
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! Check out the chart below for all the valuable upgrades.:
Circle of Rewards Member Successes in October 2022
Total November Fundings:
$2,209,396
We funded a total of 41 loans last month.
Our largest Referral Partner funding was $300,000.
Industries Served:
50% Restaurants
Other funded industries were Home Healthcare, Nail Salon, Wholesale, Commercial Cleaning Services, and Dentists.
Total Commissions Paid:
$132,123
Our Top-Performing Referral Partner
earned $24,000 in commissions.
New Circle of Rewards
Members Added: 67
During the month of November, we added
67 new CEO and Founding Circle Members.
Upgrade Now and Start Earning 8%
Valuable Upgrades for CEO Circle Members
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, it’s the perfect time to upgrade! Our upgraded CEO Circle Membership is designed to help you build wealth and earn a steady stream of income.
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.
New Client Offer!
For a limited time, we’re going big and rewarding our clients with gift cards of up to $3,000. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $3,000 Amex Gift Card!*
*New merchants only. Receipt of the $3,000 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer. Does not apply to IO Flex Pay, regular Flex Pay with initial term less than 39 weeks. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires December 31st, 2022.
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)
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”).
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 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!
Unsecured Lines of Credit
With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses pop up, 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 interest on the money they use!
Flex Pay Loans
Many business owners 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 gives your clients the ability 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 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.