Circle of Rewards Referral Partner Program
Membership Has its Rewards

Circle of Rewards

At the core of ARF Financial’s Referral Program is its ongoing commitment to provide industry-leading loan products to your clients. Our loans deliver the highest loan amounts (up to $1,000,000), over the longest terms (up to 36 months) with low, fixed payments that won’t interfere with cash flow, all while paying top-dollar commissions that build wealth and a steady income for you. We call it our Circle of Rewards and Circle of Influence. This program was designed to touch every partner/broker hot button issue, and goes far beyond any other program by providing the following valuable benefits:

Up to 8% commissions on new fundings
Residual commissions up to 8% for the life of the client
Milestone bonuses for volume funding up to $25K/year
Create a Circle of Influence by recruiting other members
Exclusive access to new products and promotions
50% share of recruited member’s network fees
Earn overrides from downstream member fundings
Ability to sell our new Interest-Only Bankroll product
Earn big returns with our loan investment program
Co-branded application, landing page and marketing materials

We are Proud to Offer One Premium and One Entry-level Membership


CEO Circle Membership

By joining our CEO Circle Membership Program, you will receive the highest up-front and residual commissions (up to 8% for the life of the client), a 50% share of the network fees collected from your Circle of Influence and override commissions from your downstream members. CEO Circle Members also receive exclusive access to new products and promotions, a dedicated link to the online application, co-branded marketing materials, plus a personalized landing page and co-branded online application.


Founding Circle Membership

By partnering with us and joining our original Founding Circle Membership Program, you will receive the standard level of up-front and residual commissions (3% for 3 years). There is no access to the Circle of Influence Network, its fee sharing, or override commissions at this entry level. You will receive a dedicated link to our online application and self-serve, personalized marketing materials are provided.


With elevated upfront and residual commissions, generous performance bonuses, overrides from downstream members, a loan investment program, and exclusive access to superior products and promotions, there’s never been a better time to become a CEO Circle Member! Check out all the valuable new benefits that automatically come with a CEO Circle Membership vs. Founding Circle.

**To qualify, regular Amortizing Term Loans, Flex Pay Loans and Revolving Lines of Credit must have repayment terms of 39 weeks or longer. Elevated upfront commissions on The Big Deal Term Loan are for new clients only (out of the program at least 120 days) and is available for a limited time. Contact your loan consultant for full details. To retain the Circle of Rewards benefits detailed above, CEO member must maintain an active membership which requires payment of an annual membership fee.

Complete the Form Below and You Can Sell Our Products!

By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.

When considering which business lender to partner with, it’s important to compare loan size and repayment term because…
Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

ARF Financial provides loan amounts over six times larger and repayment terms more than three times longer than a Merchant Cash Advance. Larger loan amounts mean more commissions for you! And longer terms mean lower payments for your clients. Check out the comparison below:

Frequently Asked Questions

in addition to elevated commissions, volume funding bonuses, and overrides from downstream partners, there are many other great benefits to our membership programs. To provide a thorough overview, we’ve assembled the answers to some of the most frequently asked questions. We look forward to working together!

Ongoing Training Webinars

To ensure we are providing our brokers and referral partners, new and veterans, with the proper training they need to be successful in our program, we are hosting biweekly training webinars for anyone who would like to learn more about our program and get all the latest updates to our lending criteria. We are also hosting monthly, topical breakout sessions to assist veteran partners with additional product information, prospecting tips and ways to fill their pipeline.


Training presentation webinars will be held the first and third Tuesday of every month 11:00am ET.


Topical breakout webinars will be held monthly on the second Tuesday of every month at 11:00am ET.


To register for any of our upcoming training webinars or topical breakout sessions, visit

Membership Has Its Rewards


Membership Re-imagined

You’ve heard the old adage “membership has its rewards”, well get ready to be impressed by ARF’s exciting Circle of Rewards Referral Partner Membership Program! This amazing program, covering every referral partner hot button, goes far beyond other programs by providing: higher commissions, higher residuals, volume bonuses, access to exclusive products and promotions – and for the first time, overrides and on downstream referral partner fundings.


Circle of Rewards

Why become a member? For starters, to gain access to our industry-leading loan products. Our average loan size is six times larger with terms over 3 times longer than a merchant cash advance! Larger loan amounts mean higher commissions for you, and longer terms mean your clients will receive affordable payments that won’t wreck their cash flow. We call these member benefits, your “Circle of Rewards.”


Circle of Influence

The program doesn’t stop there. For the first time, CEO Circle Members have the unique ability to recruit downstream partners, generating network fee revenue plus long-term override commissions from their new network of members. By simply getting others to join, a member can monetize their circle of business associates and build a strong revenue stream. We call these network member benefits, your “Circle of Influence” (COI).


Loan Investment Program

Where can you find an investment with a return rate in the 30% range today? If you did, it would certainly be a windfall! That’s exactly what ARF is now offering its CEO Members by giving them an opportunity to invest up to 10% in the loans they fund. This new WINDFALL loan investment program is designed to build wealth among our CEO Members.

Loan Program Advantages

ARF Financial is a California licensed lender that has forged relationships with banks around the country that are committed to work with your clients so they can acquire a bank loan fast, without endless paperwork. That means the interest is tax deductible, rates are fixed, and the terms are transparent. Your clients receive the financing they need fast, with affordable payments that won’t increase as revenue grows.

Loan amounts from $5,000 to $1,000,000
No tax returns or financials required on loans up to $500,000
Repayment terms up to 36 months with low, fixed payments
Preliminary approvals in 24 hours and fundings in under a week
Repayment is not tied to your client’s credit card transactions
Streamlined underwriting with low documentation
The interest your clients pay is tax deductible

Business Types We Lend To

From restaurants to liquor stores, to veterinary practices, financial solutions from ARF Financial help keep a wide variety of small businesses growing and profitable. Here are a few of the business types we can help with our loans:

Restaurants, Bars, Caterers, Bakeries, Specialty Food, Liquor Stores
Doctors, Dentists, Psychiatrists, Psychologists, Chiropractors, Veterinarians
Drug Stores, Pharmacies, Grocery Stores, Hardware Stores, Pet Stores & Grooming
Barber Shops, Hair Salons, Nail Salons, Spas
Automotive Repair Shops, Auto Service Centers, Body Shops
Wholesale and Manufacturing
Many other retail establishments

Our Unique Loan Products


Interest-Only Bankroll

Exclusive new product just released: Think of it as Bankroll on steroids. This product works just like our current Bankroll Revolving Line of Credit with the added benefit of interest-only payments for up to a year! This amazing new product also pays 4% upfront and 4% over 12 months, just like our Bankroll Revolver.


Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you 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 Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!


Flex Pay Loans

Many merchants 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 allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Complete the Form Below to Get Started.

By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.

Minimum Qualifications


Industry Type

We lend to more than just restaurants. We have expanded to include many more approved industries. Click here to see the full list.


Credit Score

Your clients don’t need perfect credit to qualify. Applicants with an Equifax credit score of 551 or higher are acceptable.


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 sales ($200,000 annually) from both credit card and cash.


Quick & Easy Way to Apply

If you you have a client / business owner in need of working capital, simply have them complete our online application today. Every Circle Member receives a dedicated link to our online application for tracking purposes. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so their credit will not be affected. Clients may also speak to your assigned loan consultant who is knowledgeable about the market, which loan product is the right fit, and will work with you and your client throughout the process.