Welcome Loan Stars Partners!

Capital Connections, just as it sounds, is the connection with you, our valued Referral Partners, and ARF Financial in order 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 partners. If it’s happening in our Loan Star Rewards Program, you can find out about it here.

INTRODUCING: STELLA – YOUR AI-POWERED APPLICATION ASSISTANT
WHO IS STELLA?
Stella is an innovative AI Assistant designed to revolutionize the way Referral Partners work, streamlining processes, and maximizing success. Built with cutting-edge technology and broker-centric features, Stella is here to empower Referral Partners with the instant insights they need to thrive in a competitive market.
Visit the Stella page to watch the video and learn more about this innovative offering available to increase your earnings for the rest of the year! You can also register for one of the FOUR webinars available in July on the Stella page!
ATTENTION LOAN STAR PARTNERS: TWO EXCITING NEW LOAN PRODUCT OFFERINGS
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Independence Bankroll Revolving Line of Credit

Independence Bankroll is a fully enhanced version of our Bankroll Revolving Line of Credit. With it, you can access up to 8 weeks of interest-only payments (that’s 67% lower), making it perfect for merchants who are ramping up for the summer or need to bridge the gap until a busier season.

INDEPENDENCE BANKROLL KEY BENEFITS
Low, Pro-Rata Interest Starting at .5192% Per Week
8 Weeks of Low, Interest-Only Payments – 67% Lower!
Choose from One 8-week Interest-Only Period or 2 Four-Week Periods
Larger Loan Amounts – Up to $1.5 Million for Summer Season Preparations
Repayment Terms Up to 3 Years and a Revolving Period Up to 1 Year
Unlimited Draws of $5,000 or More During the Revolving Period*
Unlimited Partial Principal Paydowns of $5,000 or More During Revolving Period*
*To qualify for the Independence Bankroll Revolving Line of Credit, must be a new merchant/guarantor (out of the program for 120 days or more). The 8 weeks of interest-only payments can be used once for an 8-week period or twice for a 4-week period, anytime during the revolving period with a minimum notification of 10 business days. 4 points are due at closing. Additional finance charges apply. Merchant may not draw or pay down during the interest-only period(s). ARF reserves the right to terminate this product at any time. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure merchant’s creditworthiness has not materially changed since the original loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF strives to fund all qualified draw requests within 2 business days of receipt.
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OnRamp Interest-Only Revolving Line of Credit

OnRamp is ARF Financial’s new interest-only revolver, structured as a bank loan making it the ideal short-term bridge for business owners seeking long-term SBA financing. While an SBA loan is processing, OnRamp delivers fast access to flexible and affordable working capital – without triggering ineligibility due to recent SBA refinancing restrictions.

ONRAMP IO-REVOLVER KEY BENEFITS
Bank originated and fully SBA refinance-compliant
Loan amounts up to $1.5 million
The minimum initial draw for OnRamp is only 25% of total approval
Low, interest-only payments for up to 12 months
Flexible repayment terms up to 36 months if needed
Unlimited draws and partial principal paydowns ($10,000 minimum)
Ability to pay off at any time with no prepayment penalties or fees
*To qualify, must be new merchant/guarantor (out of the program 120 days). Unlimited draws and partial principal payments are only available during the revolving period. If interest rate sold is discounted from standard rate, referral partner commission will be discounted – communicated by assigned loan xonsultant. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting ensuring the merchant’s creditworthiness has not materially changed since the original loan was initiated. Merchant is required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF strives to fund all qualified draw requests within 2 business days of receipt. OnRamp product is available through 9/30/2025.

With elevated upfront and residual commissions, generous performance bonuses, overrides from downstream partners, and exclusive access to superior products and promotions, there’s never been a better time to become a Loan Star Referral Partner! Check out the stellar new benefits that automatically come with this partnership.

Star-Powered Commissions

*The initial loan amount (draw) determines the commission tier percentage paid, as well as the percentage paid on all subsequent draws. For a draw amount (or portion there of) to be eligible, it must increase the outstanding loan balance above the initial loan (draw) amount.

Skyrocketing Performance Bonuses

*Eligible funded amount refers to the total of the initial loan funding or refinance, plus any subsequent draws that increase the outstanding loan balance above the initial loan funding.
REFERRAL PARTNERS EARN MORE IN JULY
Use Stella and Earn a 1% Bonus!
Referral Partners who submit their deals through Stella will earn a 1% bonus* on all first draws funded in July 2025. No cap. No catch. Just submit and fund!

*To qualify for the 1% July Referral Bonus powered by Stella, referral partner must have a validated Loan Stars agreement. All fees and compensation due for any Referral are subject to the terms of the Loan Stars Referral Partner Agreement including the Terms and Conditions (here-this would hyperlink to the updated Terms and Conditions). To qualify for the 1% bonus, deals must be submitted via the Stella Email Portal (stella@arffinancial.com) and conform to the requirements of the Stella Program Parameters as set forth in the Terms (e.g. the Referral shall attach a pdf copy of the client’s completed application along with the three most recent bank statements and be processed by the Stella AI Assistant and provide valid authorization by the client to share the application and supporting documents with ARF). The Referral must also result in a funded first draw between July 1 and July 31, 2025. The July Referral Bonus applies only on the initial draw amount of new loans submitted and does not apply to renewals, line increases, or subsequent draws. The bonus is calculated based on the funded amount of the first draw and will be paid in addition to standard referral commissions. Bonuses will be paid after funding and verification. ARF Financial reserves the right to modify, extend, or terminate this promotion at any time without prior notice.

CLIENTS RECEIVE BIG REWARDS IN JULY
$Up to 1,000 Just for Using Independence Bankroll!
Your clients can receive a $500 Amex E-Gift Card for every $50,000 they take on their intial draw up to a $1,000 maximum. Offer ends 7/31­­­­/2025.*

*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $500 Amex Gift Card for every $50,000 taken on their initial draw, up to a maximum of $1,000. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate this offer at any time.

$Up to 1,000 Just for Using OnRamp IO-Revolver!
Your clients can receive up to $1,000 just for using our OnRamp IO-Revolver! An initial draw of $150,000 or more qualifies for a $1,000 Amex E-Gift Card! Offer ends 7/31­­­­/2025.*

*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $1,000 Amex Gift Card for an initial draw of $150,000 or more. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate this offer at any time.

Top Approvals & Fundings in April 2025

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Manufacturing – $500,000

  • Time in Business:  8 Years
  • Annual Revenue:  $14 Million
  • State: Florida
  • Credit Score:  650-699
  • Loan Product:  Bankroll
  • Client’s Initial Draw:  $418,765
  • Commission Earned:  $33,500
  • Performance Bonus Earned: $1,250
Total Earnings: $34,750
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Pizza Franchise – $300,000

  • Time in Business:  2 Years
  • Annual Revenue  $6 Million
  • State:  Indiana
  • Credit Score:  650 – 699
  • Loan Product: Bankroll
  • Client’s Initial Draw: $300,000
  • Commission Earned:  $24,000
  • Performance Bonus Earned: $3,750
Total Earnings: $27,350
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Restaurant – $300,000

  • Time in Business:  2 Years
  • Annual Revenue:  $4 Million
  • State:  Florida
  • Credit Score:  700-750
  • Loan Product:  Bankroll
  • Client’s Initial Draw:  $269,743
  • Commission Earned:  $21,576
  • Performance Bonus Earned: $1,250
Total Earnings: $22,826
Loan Stars Rewards Program Information, Updates and Webinars
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Success Stories

We really enjoy hearing about the successes from our partners and, of course sharing them with others. There are many partners 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!

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Join the Program

Not a partner yet? Become a Loan Star and unlock unlimited earning potential simply by referring clients to ARF Financial. Referral Partners get exclusive access to new products and promotions with no annual memberships, expirations, or renewal fees. Visit our Loan Stars page to learn more.

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Network Leaders

As a Loan Star you’ll have the unique opportunity to recruit your own network of Loan Stars. The larger your network, the bigger the opportunity to earn override commissions from downstream fundings! You can also cash in on Recruiting Bonuses. For every 50 Loan Stars you recruit you’ll receive $2,500! Learn more about it below.

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Upcoming Training Webinars

The best way to be successful is to stay educated! We invite you to join 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.

Review Past Webinars in our Library

Industry News

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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.

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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.

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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?

Loan Stars can take advantage of the available marketing materials and customizations to help maximize their sales efforts. Whether you are focused on cold calling, digital marketing, email or direct mail, we provide support and resources to help you sell our unique loan products. Fully customized landing page, cobranded application and personalized marketing materials are available for $250.

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Personalized Landing Page & Cobranded Application

Loan Star partners can receive a personalized landing page promoting their business as an ARF Financial Preferred Partner. Your landing page will include your logo, head shot and company contact details. All links, including the APPLY NOW button, will contain your dedicated URL which sends clients to your cobranded application and tracks their activity. Clients will be automatically assigned to you when they apply. View sample personalized landing page here: Sample Landing Page.
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Cobranded Marketing Materials

Another great benefit of partnering with ARF Financial is access to marketing materials to support your sales efforts. Self-serve, downloadable PDFs are available here. Loan Stars can also request cobranded, personalized PDF files which cover our various lending products, competitive advantages and how to qualify. Perfect for sharing with clients during sales pitches or discovery calls. View sample marketing materials here.
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Dedicated URL

All Loan Star partners are assigned a dedicated URL designed to track in-bound application activity from your website, emails, social media and other marketing efforts. Partners are encouraged to insert their URL into email links, email signatures, social media links and website links. When your clients use this link to apply online, our application portal recognizes each link and assigns the loan application to you. See instructions on how to insert your dedicated URL into your links.
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Pipeline Tracking Emails

When one of your clients starts our online application, an automated email notification is triggered letting you know you have a loan in play. This is called a Pipeline Email and it includes the applicant’s name, email, phone, requested loan amount, and underwriting status. Your loan consultant is also alerted and will contact you before reaching out to the client to expedite the application. We welcome any assistance you’d like to provide to expedite the file.

Minimum Qualifications

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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.

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Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 575 or higher.

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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).

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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.

Our Unique Loan Products

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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!

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Interest-Only Bankroll Revolving Line of Credit

ARF Financial’s IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives your clients the flexibility to draw funds and pay down their principal balance as often as they need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool that Referral Partners can use to help fuel their client’s business growth.

WHY NOT GIVE YOURSELF A RAISE?

LOAN STARS PARTNER SIGN UP FORM

Become a Loan Star and Earn Up to 8% Commissions

Now’s the time to become a Loan Star Partner and take advantage of the BIG increases in commissions, performance bonuses and overrides!