Powerful Benefits for CEO Circle Members


You might be asking, “what is COREight?” Well, it stands for Circle of Rewards (COR) now offers 8% commissions! At the core of ARF Financial’s Circle of Rewards Membership Program is its ongoing commitment to pay top-dollar commissions, residuals, milestone bonuses, and overrides that build wealth and steady income for our member partners, while providing the highest loan amounts (up to $1,000,000) over the longest terms (up to 36 months) to member clients. To further our commitment, we are proud to continue adding powerful upgrades to our CEO Circle Membership!


CEO Circle Members Can Now Take Advantage of these Powerful Upgrades

Commissions have increased to 8% for new loan fundings and any residual fundings on loans with terms of 39 weeks or longer! All loans regardless of size now qualify for the increased commissions!
We’ve removed the time limit on residual commissions. They no longer expire after 3 years with an active, ongoing CEO Circle membership!
Commissions are now unlimited. The prior cap of $36,000 on larger loans has been eliminated! Commissions will be paid within 2 weeks of funding.
Commissions on our BANKROLL Revolving Line of Credit and new IO-Bankroll Revolving Line pay 4% up front and 4% over time (8% total)!
Commissions on ARF’s Interest-Only Flex Pay Loan are now 4% upfront and 4% if the loan rolls over into the extended term (8% total)!
CEO Members can now invest in the loans they fund through our new WINDFALL Loan Investment Program. It allows them to earn a return of more than 30% on their investment.
COREight Video Presentation Hosted By:
Celeste Deal-Maunoir

Celeste covers all the powerful upgrades that come with our CEO Circle Membership.

CEO Circle Member Benefits

With increased upfront and residual commissions, performance bonuses, overrides from downstream members and a new Loan Investment Program, it’s the perfect time to become a CEO Circle Member! Check out all the valuable new benefits that come with a CEO Circle Membership vs. Founding Circle.

*To qualify for the 8% commissions, must be regular amortizing 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.

Complete the Form Below and Start Earning 8%!

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.


We Now Offer One Enhanced and One Entry-Level Membership


CEO Circle Membership

By joining our CEO Circle you receive the highest up-front and residual commissions (8%), a share of the network fees and override commissions on fundings from your Circle of Influence, plus a dedicated link to our online application, personalized ARF landing page, co-branded online application, and co-branded marketing materials.


Founding Circle Membership

By partnering with us and becoming a Founding Circle Member, you receive the standard level of up-front and residual commissions (3%). There are no Circle of Influence network fees or override commissions offered at this level. A dedicated link to our online application and co-branded marketing materials will be provided.

Circle of Rewards Referral Partner Membership Program Updates

CEO Circle Members

Our CEO Circle Members will be paid top-dollar commissions (up to 8%) on every new loan they fund, plus up to 8% residual commissions on subsequent fundings as long as they remain an active CEO Member. Here’s a list of all the valuable benefits that come with a CEO Membership:

Up-front commissions paid on new loan fundings have increased to 8%!
Residual commissions are now 8% for the life of the client you refer.*
The prior commission cap of $36,000 on larger loans has been eliminated!
$5,000 performance bonus for every $500,000 funded (up to $25K per calendar year).
50% share of the network fees from the CEO Circle members you recruit.
$5,000 bonus for every 50 new CEO Circle members you add to your Circle of Influence.
1 % override commissions on all fundings from your paid Circle of Influence members.
Commissions on BANKROLL Revolving Line of Credit are 4% upfront and 4% over time (8% total).
Commissions on our new IO-Bankroll Revolver are 4% upfront and 4% if the loan rolls over to the extended term.

Founding Circle Members

The Founding Circle Membership is a continuation of our previous Referral Partner program. There are no annual membership fees. As before, this program pays 3% commission at funding and 3% commission on residual fundings for up to three years.

Up-front commissions on new loan fundings will pay 3%.
Residual commissions on the “cash out” portion of subsequent fundings will be 3% for 3 years.
Commissions will continue to be paid within 2 weeks of funding!
Commissions paid on ARF’s new BANKROLL Revolving Line of Credit are 3% up front.
Commissions paid on ARF’s Interest-Only Flex Pay Loan are 3% up front.

WINDFALL – Loan Investment Program

ARF Financial’s new Loan Investment Program, WINDFALL is designed to build wealth and provide a steady income among our CEO Members. Any active CEO Circle Member now has the option to invest up to 10% of a loan they fund and reap the WINDFALL!

CEO Circle members may invest up to 10% of the face amount on any loan they fund.
Based on ARF’s annualized rate and servicing fee, a CEO Circle member can expect a return of approximately 34%.
The yield on this investment is separate and distinct from the commission paid.
The member’s yield and principal will be pro ratably paid via ACH on a weekly basis.
The member’s investment may be funded by a redirection of their commission, separate bank wire, outgoing bank ACH, or a combination of both.
The return will mirror the loan’s performance. ARF’s return and the member’s return will be treated the same, based on their pro rata share, and the loan’s performance.
Visit our WINDFALL information page for more details about this exciting new investment program!
When choosing a business lender to partner with, it’s important to compare loan amounts and repayment terms because…
Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below:

Our Unique Loan Products


BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial 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 additional 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 you 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 draws for up to a year!


Interest-Only Bankroll Revolving Line of Credit

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.


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!

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years we’ve expanded to include many business 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.

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.