{"id":25014,"date":"2018-01-08T20:11:50","date_gmt":"2018-01-08T20:11:50","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=25014"},"modified":"2023-11-06T16:59:32","modified_gmt":"2023-11-06T21:59:32","slug":"about-us","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/company\/about-us\/","title":{"rendered":"About Us"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1647198390646{margin-top: 25px !important;margin-bottom: 0px !important;padding-right: 5% !important;padding-bottom: 1% !important;padding-left: 5% !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb70e98 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69f514cb70e98\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Decades of Financing Opportunity<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;10px&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb70f06 {margin-top: 10px !important;}<\/style><div id=\"thegem-divider-69f514cb70f06\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: center;\">Backed by decades of experience, ARF Financial is a leading financial services company focused on providing easy to obtain business loans and lines of credit for merchants nationwide who otherwise may not be able to secure the funding they need. Our team of seasoned loan consultants have helped tens of thousands of restaurant, hospitality and retail business owners secure over $1 billion in funding.<\/p>\n<p style=\"text-align: center;\">ARF has forged exclusive relationships with state-chartered community banks across the country, so you can obtain the funds you need quickly with limited paperwork. It&#8217;s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You&#8217;ll receive the funds quickly, with fixed terms up to 36 months and affordable payments that won&#8217;t increase as revenue grows &#8211; maximizing your return on investment without interrupting your cash flow.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 15px; line-height: 19px;\">ARF Financial LLC is a California limited liability company licensed by the California Department of Business Oversight. License #603 7958.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1651340838817{margin-top: 25px !important;margin-right: 12% !important;margin-bottom: 0px !important;margin-left: 12% !important;background-color: #eaeaea !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1651343172668{margin-top: 65px !important;margin-right: 20px !important;margin-left: 20px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 55px !important;padding-bottom: 30px !important;padding-left: 55px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: rgba(0,101,158,0.25) !important;border-left-style: solid !important;border-right-color: rgba(0,101,158,0.25) !important;border-right-style: solid !important;border-top-color: rgba(0,101,158,0.25) !important;border-top-style: solid !important;border-bottom-color: rgba(0,101,158,0.25) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;42105&#8243; img_size=&#8221;84&#215;70&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1651517760237{margin-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1651343235462{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 44px; line-height: 50px; color: #00659e; font-weight: bold; letter-spacing: -.6px;\">Watch Our Company Video<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;8px&#8221;][vc_column_text css=&#8221;.vc_custom_1651340795014{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 22px; line-height: 28px;\">Find out more about ARF Financial from someone who has been around since the beginning.<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;90&#8243; accent_color=&#8221;#999999&#8243;][vc_empty_space height=&#8221;4px&#8221;][vc_column_text css=&#8221;.vc_custom_1651342941781{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 21px; line-height: 25px; letter-spacing: 2px;\">HOSTED BY OUR CHIEF SALES OFFICER<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;9px&#8221;][vc_column_text css=&#8221;.vc_custom_1651620672450{margin-bottom: 3px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #00659e; font-size: 34px; line-height: 39px; font-weight: bold;\">Celeste Deal-Maunoir<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;90&#8243; accent_color=&#8221;#999999&#8243;][vc_empty_space height=&#8221;3px&#8221;][vc_column_text css=&#8221;.vc_custom_1651517443782{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #00659e; font-size: 22px; line-height: 29px;\"><em>\u201cIt\u2019s our job to understand your business goals, your financing needs, and then customize a loan to meet those needs \u2013 especially one that maximizes your return on investment.\u201d<\/em><\/div>\n<p>[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb70f3a {margin-top: 8px !important;}<\/style><div id=\"thegem-divider-69f514cb70f3a\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column css_animation=&#8221;zoomIn&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1651620707345{padding-right: 7% !important;padding-left: 7% !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;]<div class=\"gem-video gem-wrapbox gem-wrapbox-style-no-style rounded-corners gem-wrapbox-position-below\" style=\"width: 100%;\"><div class=\"gem-wrapbox-inner video-block gem-ratio-style\" style=\"padding-top: 62.5%\"><video width=\"100%\" height=\"100%\" controls=\"controls\" src=\"https:\/\/www.youtube.com\/watch?v=QAcjGapVQ44\"  poster=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/03\/LaptopVideoCelesteGreyBkg.jpg\" preload=\"none\"><\/video><\/div><\/div>[vc_empty_space height=&#8221;16px&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1651620483764{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/dark-blue-cash-bkg.jpg?id=42276) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1645717887340{margin-top: 0px !important;margin-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-12&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Why Choose ARF Financial?<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;30&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1651603281006{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 2% !important;padding-left: 2% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/4&#8243; offset=&#8221;vc_col-xs-12&#8243; css=&#8221;.vc_custom_1651608453941{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-university&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Bank Loans<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1699307946061{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">ARF has forged exclusive relationships with banks across the country, so you can obtain the funds you need quickly and limited paperwork.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651608470580{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-hourglass&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Decades of Experience<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Since 2001, we\u2019ve supported tens of thousands of businesses nationwide of all shapes and sizes by helping them secure hassle-free working capital in excess of $1 billion.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651608487104{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-map-marker&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Local Financial Consultants<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Being local matters. We live and work in your area and understand the local marketplace. We are committed to work side-by-side with you to obtain the capital you need to grow.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651608503966{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-graduation-cap&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Experts in Your Industry<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Whether you\u2019re a single-unit or multi-unit operator, or a nationally recognized chain, we will provide you access to the right loan products for your individual business situation.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;30&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1651602980911{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 2% !important;padding-left: 2% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/4&#8243; offset=&#8221;vc_col-xs-12&#8243; css=&#8221;.vc_custom_1651608528184{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-line-chart&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Maximize Your Profits<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">We make sure our clients get the funds they need quickly, with fixed payments that won\u2019t increase as revenue grows \u2013 maximizing their return on investment.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651604067558{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 30px !important;padding-bottom: 25px !important;padding-left: 30px !important;background-color: rgba(0,0,0,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-money&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Flexible Loan Products<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">It\u2019s our job to understand your business&#8217;s unique circumstances, your goals, your financing needs, and then customize a loan with the flexibility to meet those needs.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651608553339{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-magic&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Quick Approvals<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Our online application is simple and takes about ten minutes to complete. It requires minimal documentation, and loan approvals are granted within 24 to 48 hours.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651608569774{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-bottom: 25px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.75) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.75) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.75) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.75) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-calendar&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Transparent Terms<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">We offer fixed repayment terms up to 36 months that are clearly spelled out ahead of time, so you know exactly how much you will pay back and when your loan will be paid off.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1645723687330{margin-top: 0px !important;}&#8221;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-69f514cb717e07386 .gem-button svg {fill: #ffffff;}.thegem-button-69f514cb717e07386 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69f514cb717e07386 footerbutton    gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='rgba(255,255,255,0.01)';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=AboutUsPage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><\/div><\/div> [vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 15px; line-height: 19px;\">&#8220;&gt;Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1645723052222{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1651611818652{margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1651612271856{margin-right: 5% !important;margin-left: 5% !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1650331551675{margin-right: 5% !important;margin-left: 5% !important;}&#8221;][vc_column_inner][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1651611735171{margin-bottom: 4px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 22px; line-height: 30px; color: #00659e;\">When choosing the right business lender, it\u2019s important to compare loan size and repayment terms because\u2026<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1651612026763{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 60px; line-height: 66px; color: #00659e; font-weight: 900;\">Size Matters!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css=&#8221;.vc_custom_1651620542350{padding-right: 8% !important;padding-left: 8% !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 23px; line-height: 31px; color: #00659e; font-weight: 600;\">Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance.<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1647142968503{padding-right: 20px !important;padding-left: 20px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">\u00a0Expansion projects, renovations, and additional locations are all big decisions that can bring big returns. But, big projects usually mean big upfront investments, something you can&#8217;t get from a merchant cash advance. If you&#8217;re ready to take the plunge and go BIG this year, we have financing that&#8217;s the perfect fit. 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. 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\u2019t interfere with your cash flow!<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;20px&#8221;][vc_row_inner content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1647184521191{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243; css=&#8221;.vc_custom_1645472727040{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1647184544037{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1645472687910{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1645472727040{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1645472743156{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69f514cb718c09425 .gem-button svg {fill: #00659e;}.thegem-button-69f514cb718c09425 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69f514cb718c09425     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;color: #00659e;\" onmouseleave=\"this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=SizeMattersPage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1645645596688{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 15px;\">Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1645723446376{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #00659e !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1552320258208{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2><span style=\"color: #ffffff;\">Meet Our Management Team<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#c89c1f&#8221; css=&#8221;.vc_custom_1531154287130{margin-bottom: 30px !important;}&#8221;][vc_column_text]<span style=\"color: #ffffff;\">ARF Financial has flourished for decades under the guidance of some of the most experienced financial experts in the industry. Together, they have put this knowledge to work on behalf of business owners nationwide who have struggled to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward.<\/span>[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb71904 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69f514cb71904\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-69f514cb719959348 .gem-button svg {fill: #c89c1f;}.thegem-button-69f514cb719959348 .gem-button:hover svg {fill: #174989;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69f514cb719959348    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #ffffff;color: #c89c1f;\" onmouseleave=\"this.style.borderColor='#ffffff';this.style.backgroundColor='transparent';this.style.color='#c89c1f';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#174989';\" href=\"\/company\/our-team\/management\" target=\"_self\">Meet The Team<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1552320297282{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-about-us-image-group-standing-961&#215;641.jpg?id=26154) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb719d7 {margin-top: 150px !important;}#thegem-divider-69f514cb719d7 {margin-bottom: 150px !important;}<\/style><div id=\"thegem-divider-69f514cb719d7\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1645723470210{margin-bottom: 0px !important;background-color: #dfdfdf !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1551712842500{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-about-us-image-woman-on-laptop-960&#215;643.jpg?id=26156) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb71a0f {margin-top: 150px !important;}#thegem-divider-69f514cb71a0f {margin-bottom: 150px !important;}<\/style><div id=\"thegem-divider-69f514cb71a0f\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1528475242170{padding: 10% !important;}&#8221;][vc_column_text]<\/p>\n<h2><span style=\"color: #00659e;\">Start Your Career With ARF Financial<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528475389862{margin-bottom: 30px !important;}&#8221;][vc_column_text]Do you understand the many challenges that restaurant owners and entrepreneurs face every day? Are you passionate about empowering small businesses? Then ARF Financial might be the perfect place for you to grow. We are always looking to expand our team of personal financial consultants, so visit our careers page for any current career listings![\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69f514cb71a37 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69f514cb71a37\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-69f514cb71abf7254 .gem-button svg {fill: #174989;}.thegem-button-69f514cb71abf7254 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69f514cb71abf7254    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174989;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174989';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/company\/our-team\/careers\" target=\"_self\">View Careers<\/a><\/div> [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1647185248769{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 20px !important;background: #eeeeee url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/5&#8243; offset=&#8221;vc_col-xs-12&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Answers to Common Questions<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;50px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1647204097061{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1650330757282{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3>Who Is ARF Financial?<\/h3>\n<p>[\/vc_column_text][vc_column_text]ARF Financial is a California limited liability company and a finance lender licensed by the California Department of Corporations. Since 2001, we\u2019ve been providing short-term working capital loans and lines of credit to restaurant\/hospitality businesses and retailers nationwide. We\u2019ve helped thousands of businesses receive approvals on more than 18,000 loans with proceeds in excess of $1 billion. [\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; style=&#8221;dotted&#8221; border_width=&#8221;2&#8243; el_width=&#8221;70&#8243; accent_color=&#8221;#999999&#8243;][vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1647185635279{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1650330871334{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3>Why Use ARF Financial?<\/h3>\n<p>[\/vc_column_text][vc_column_text]As a licensed lender, with decades of experience working with FDIC Insured banks, you can be assured that we adhere to the highest level of business standards and transparency. In addition, since we are a licensed lender, the interest you pay is tax deductible further reducing your cost of funds.[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; style=&#8221;dotted&#8221; border_width=&#8221;2&#8243; el_width=&#8221;70&#8243; accent_color=&#8221;#999999&#8243;][vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1647185635279{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1650330808411{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3>How much can I qualify for and how does the process work?<\/h3>\n<p>[\/vc_column_text][vc_column_text]You may qualify for loan amounts up to 33% of your business\u2019s gross annual sales from $5,000 to $750,000. Once we\u2019ve determined how much you qualify for, you can choose the amount and repayment term (up to 36 months) that works best for your business. Repayment is simple! Once a week an ACH\u2008debit is processed on the authorized business checking account for the amortized payment until the loan is paid off. Any funds that are not used can be quickly accessed via a line of credit.[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; style=&#8221;dotted&#8221; border_width=&#8221;2&#8243; el_width=&#8221;70&#8243; accent_color=&#8221;#999999&#8243;][vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1647185635279{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1650330890329{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3>What Can I Use the Money For?<\/h3>\n<p>[\/vc_column_text][vc_column_text]Merchants can use our funds for any business related expense. 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