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.:

*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 May 2022


Total Funded Loans:

We funded a total of 20 deals last month.
Our largest Referral Partner funding was $400,000.


Industries Served:
30% Restaurants

Other funded industries were Home Healthcare,
Medical Services and Wholesale.


Total Commissions Paid:

Our Top-Performing Referral Partner
earned $48,000 in commissions.


New Circle of Rewards
Members Added: 130

During the month of May, we added
130 new Circle of Rewards Members.

Circle of Rewards Program Information, Updates & Webinars


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.

Review Past Webinars in our Library


Success Stories

We love to see our Referral Partner Members succeed and share their successes with others. Maybe we’ll feature one of your funded deals here next!


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?

Circle of Influence Benefits

(Does not apply to Founding Circle Members)

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 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.