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.


You Deserve an Upgrade to 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.:

*Regular amortizing term 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.

Circle of Rewards Member Successes in February 2023


Total February 2023 Member Fundings: $4,123,982

We funded a total of 49 loans in February 2023 from our Circle of Rewards members. Our largest single Referral Partner funding was $500,000.


Industries Served:
48% Restaurants

Other funded industries: Brewery, Doctors, Dentist, Home Healthcare, Liquor Store, Lodging, Manufacturing, Nail Salon, and Wholesale.


Total Commissions Paid:

Our Top-Performing Referral Partner in February was a CEO Circle member who earned just over $40,000.00 from new fundings, residuals and overrides!


New Circle of Rewards
Members Added: 88

During February, we added 88 new Circle Members. There were 23 new CEO Circle and 65 Founding Circle Members added. We are thrilled to welcome them as new members!

Circle of Rewards Program Information, Updates & Webinars

Upgrade Now and Earning 8% vs 3%

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.

Review Past Webinars in our Library

New Client Reward up to $2,500!

During the month of March new clients can receive up to $2,500 in rewards. That’s right, a $100 Amex Gift Card for every $10,000 they borrow. Maximum reward is $2,500. Loans must fund  before March 31st, 2023 to qualify.*

Questions? Contact Your Loan Consultant.

*Gift card offer is only available to new merchants (out of the program 120 days or more). To qualify, merchant must borrow $50,000 or more on or before March 31st, 2023. Maximum gift card earnings is $5,000. Merchant’s must be approved 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 $50,000. Promotion is only valid on loans with terms of 39 weeks or longer. IO Flex Pay Loans are also excluded.


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 Rewards Overview Presentation


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!

How Do I Become a Circle of Influence Leader?

(Does not apply to Founding Circle Members)


$200 Amex
Receive a $200 Renewal Rebate!

Starting today, March 9th, CEO Circle Members whose membership is up for renewal in March can receive a $200 AMEX Gift Card if they renew and pay by March 31st* This rebate, which equates to a 20% discount, will be sent after the membership renewal fee is collected. Don’t wait. Take advantage of this one-time renewal offer today!

*To qualify for the $200 Amex Gift Card Rebate, CEO Circle Members must complete the renewal form via the button below or contact their loan consultant to confirm their renewal. Once the annual membership renewal fee is collected we will send out the $200 Amex Gift Card. ARF Financial reserves the right to terminate this rebate at any time. Offer ends 3/31/2023.

Industry News


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.


Personalized Landing Page
CEO Circle Members 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 tracks your client activity. Clients will be automatically assigned to you when they apply. View sample personalized landing page here: Sample Landing Page


Cobranded Marketing Materials
Another great benefit of partnering with ARF Financial is our cobranded marketing materials to support your sales efforts. Referral Partners will receive 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.


Dedicated URL
All Circle Members are assigned a dedicated URL designed to track in-bound application activity from your website, emails, social media and other marketing efforts. Members 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.


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 loan to funding. 

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.