John Cosentino

Servicing Kansas City and the Midwest Regional Area

John Cosentino- Kansas Loan Consultant

John Cosentino

I am John Cosentino, Vice President and Senior Loan Consultant serving Iowa, Kansas and Missouri. I have over 30 years experience in the restaurant and hospitality industry helping owners promote, market and obtain the funds necessary to grow their businesses. I know the challenges you face and have hassle-free loan products to fit your specific needs. I welcome the opportunity to learn more about your business and look forward to providing a winning financial solution for you.

I can offer straightforward options that feature fixed terms and payments with no collateral required. Whether you are looking to expand to a new location, renovate, purchase equipment or simply stabilize your cash flow, I’m here to help.

An Experienced Loan Consultant Gives You the Advantage
Restaurant owners call us first because we are not a cash advance or factoring company. We have nothing to do with your credit card transactions. The loan you receive is tax deductible resulting in lower overall cost of funds. The payments you make are fixed and will not change during the term of the loan – as your revenue grows you keep more of it.

Contact me at (913) 491-2926, email me, or click the apply button below and I can get you an immediate, customized loan proposal.

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Product Information

Line of Credit

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Flex Pay Loan

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Who We Are

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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 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.