Annette Bridges

Servicing the State of Arizona

Annette Bridges- Senior Loan Officer

Annette Bridges

My name is Annette Bridges, Senior Loan Officer for ARF Financial. I have over 20 years of B2B sales experience supporting local businesses in the state of Arizona. I am very passionate about helping my clients achieve their goals. I can offer customized loan products that help clients grow their business and increase profits. Experience counts, so consider me your personal banker who can tailor a short-term loan or line of credit specific to your needs.

Through relationships with several community banks, I am able to provide working capital loans and lines of credit to accelerate growth and increase the value of your business. Our lending products are not a cash advance, but a commercial bank loan without any collateral on your end – because we provide it for you! As a Senior Loan Officer, I can deliver straightforward loan options based on your needs that feature fixed terms, low rates, and affordable payments.

On a personal note, I am dedicated to volunteering as a courier for the National Marrow Donor Program, and have traveled the world delivering bone marrow, as well as donating in 2008 & 2012. I cherish the time spent with my family, husband of 26 plus years, 2 grown children, and 3 grandchildren.

Contact me at (602) 672-6393, send me an email, or click the apply button below and I’ll work hard to get you the funds you need with loan terms that make sense!

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Product Information

Who We Are

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Line of Credit

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Flex Pay Loans

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Loan Calculator

Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy

TERMS AND CONDITIONS

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.