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.
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.
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.
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
Skyrocketing Performance Bonuses
*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.
*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.
*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.
Top Approvals & Fundings in April 2025
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
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
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
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!
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.
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.
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.
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?
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.
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 575 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.
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 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.
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!