Mike Westerman

Servicing Colorado

Mike Westerman- Colorado Loan Consultant

Mike Westerman

I am is Mike Westerman, Colorado Loan Consultant with ARF Financial. We specialize in helping businesses obtain unsecured Lines of Credit, Bridge or Gap loans, and Cash Flow Loans. A former East coast native, I’ve lived in Colorado for over 25 years, and I look forward to helping you with your business financial needs and opportunities.

Whether you want to open a new location, purchase new equipment, renovate, expand or simply want to smooth out your cash flow, I’ve got the products to help you reach your goals.

A Colorado Loan Consultant Gives You the Advantage

Business owners bank on us. We are not a cash advance or factoring company. In fact, we have nothing to do with your credit card processing. Our loans are tax deductible which helps lower your overall costs. Weekly payments are fixed and there are no pre-payment penalties. The entire process from application to funding often takes from 7-10 business days.

Our Colorado loan consultant can help you understand the many financing programs that best fit merchants who are expanding and growing their business as well as merchants who need a line of credit for working capital and cash flow stabilization.

Contact me at (720) 550-1367, email me, or click the apply button below and I can get you an immediate, customized loan proposal.

Product Information

Line of Credit


Flex Pay Loans


Who We Are


Meet The Rest of Our Loan Consulting Team

    Business Loan Calculator

    Use our loan calculator to determine your potential loan amount:

Loan amounts may be increased with with the review of tax returns and financials.

* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy


ARF Financial LLC is a direct lender and a 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.