{"id":34149,"date":"2020-02-24T14:26:34","date_gmt":"2020-02-24T19:26:34","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=34149"},"modified":"2025-08-01T12:14:22","modified_gmt":"2025-08-01T16:14:22","slug":"capital-connections","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/capital-connections\/","title":{"rendered":"Capital Connections"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section full_width=&#8221;stretch_row_content&#8221;][vc_row gap=&#8221;5&#8243;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;48px&#8221;][vc_column_text css=&#8221;.vc_custom_1751471059702{margin-bottom: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 36px; color: #00659e; font-weight: bold; line-height: 48px;\">Welcome Loan Stars Partners!<\/p>\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_column_text]<\/p>\n<p style=\"text-align: center;\">Capital Connections, just as it sounds, is the connection with you, our valued Referral Partners, and ARF Financial in order to remain in the know on all the latest promotions, webinar information, contests, prospecting tips, product and underwriting changes as well as success stories from other partners. If it&#8217;s happening in our Loan Star Rewards Program, you can find out about it here.<\/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&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1751381177251{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 10px !important;background-color: #124680 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1720123242427{padding-top: -10px !important;padding-bottom: 10px !important;}&#8221;][vc_column_text css_animation=&#8221;rotateIn&#8221; css=&#8221;.vc_custom_1751545644751{margin-top: -3px !important;margin-bottom: 10px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; v-align: center; color: #ffffff; font-size: 28px; line-height: 30px; letter-spacing: 1px; font-weight: 600;\">INTRODUCING: STELLA &#8211; YOUR AI-POWERED APPLICATION ASSISTANT<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1751487956778{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-bottom: 15px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/stella-header-bkg2.jpg?id=52723) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1751487882231{margin-top: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;2\/6&#8243; css=&#8221;.vc_custom_1751488496824{margin-top: 30px !important;}&#8221;][vc_empty_space height=&#8221;20px&#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: 68.75%\"><video width=\"100%\" height=\"100%\" controls=\"controls\" src=\"https:\/\/youtu.be\/cP9AfhsNr7o\"  poster=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/laptop-stella-video-background.jpg\" preload=\"none\"><\/video><\/div><\/div>[\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;2\/6&#8243; css=&#8221;.vc_custom_1751487911052{margin-top: 20px !important;}&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">WHO IS STELLA?<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: left; font-size: 21px; line-height: 31px; color: #ffffff;\">Stella is an innovative AI Assistant designed to revolutionize the way Referral Partners work, streamlining processes, and maximizing success. Built with cutting-edge technology and broker-centric features, Stella is here to empower Referral Partners with the instant insights they need to thrive in a competitive market.<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"text-align: left; font-size: 22px; line-height: 32px; color: #ffffff;\">Visit the Stella page to watch the full video and learn more about this innovative offering available to increase your earnings for the rest of the year!<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;]<style type=\"text\/css\">.thegem-button-6a03a4c21b5e2542 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21b5e2542 .gem-button:hover svg {fill: #124680;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a03a4c21b5e2542 footerButton   \"  ><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: 3px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#124680';\" href=\"https:\/\/www.arffinancial.com\/development\/stella\/\" target=\"_self\">LEARN MORE ABOUT STELLA<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1751381211621{margin-top: 0px !important;margin-bottom: 10px !important;padding-bottom: 10px !important;background-color: #124680 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1720123242427{padding-top: -10px !important;padding-bottom: 10px !important;}&#8221;][vc_column_text css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1751545763915{margin-top: -3px !important;margin-bottom: 10px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; v-align: center; color: #ffffff; font-size: 28px; line-height: 30px; letter-spacing: 1px; font-weight: 600;\">ATTENTION LOAN STAR PARTNERS: TWO EXCITING NEW LOAN PRODUCT OFFERINGS<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=&#8221;20&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1720118361895{margin-bottom: -10px !important;padding-top: 16px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][\/vc_column][vc_column css_animation=&#8221;bottom-to-top&#8221; width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1720118352421{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 50px !important;padding-left: 50px !important;background-color: #eaeaea !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_single_image image=&#8221;52795&#8243; img_size=&#8221;396&#215;260&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1751461338341{margin-bottom: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1751382416219{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #000000; font-size: 30px; line-height: 33px; letter-spacing: -.1px; font-weight: bold;\">Independence Bankroll Revolving Line of Credit<\/span><\/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; css=&#8221;.vc_custom_1751382436215{padding-top: 19px !important;padding-bottom: 12px !important;}&#8221;][vc_column_text]<\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p style=\"text-align: left; font-size: 17px; line-height: 25px;\">Independence Bankroll is a fully enhanced version of our Bankroll Revolving Line of Credit. With it, you can access up to 8 weeks of interest-only payments (that\u2019s 67% lower), making it perfect for merchants who are ramping up for the summer or need to bridge the gap until a busier season.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1751461821628{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 30px; color: #124680; font-weight: 600; line-height: 46px; text-align: center;\">INDEPENDENCE BANKROLL KEY BENEFITS<\/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; css=&#8221;.vc_custom_1751382486196{padding-top: 15px !important;padding-bottom: 12px !important;}&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;padding-left: 10pxpx;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Low, Pro-Rata Interest Starting at .5192% Per Week<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">8 Weeks of Low, Interest-Only Payments \u2013 67% Lower!<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Choose from One 8-week Interest-Only Period or 2 Four-Week Periods<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Larger Loan Amounts \u2013 Up to $1.5 Million for Summer Season Preparations<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Repayment Terms Up to 3 Years and a Revolving Period Up to 1 Year<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Unlimited Draws of $5,000 or More During the Revolving Period*<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Unlimited Partial Principal Paydowns of $5,000 or More During Revolving Period*<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;12px&#8221;][vc_column_text css=&#8221;.vc_custom_1751471298268{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 12px; line-height: 17px; text-align: left; letter-spacing: -.2px;\">*To qualify for the Independence Bankroll Revolving Line of Credit, must be a new merchant\/guarantor (out of the program for 120 days or more). The 8 weeks of interest-only payments can be used once for an 8-week period or twice for a 4-week period, anytime during the revolving period with a minimum notification of 10 business days. 4 points are due at closing. Additional finance charges apply. Merchant may not draw or pay down during the interest-only period(s). ARF reserves the right to terminate this product at any time. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure merchant\u2019s creditworthiness has not materially changed since the original loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF strives to fund all qualified draw requests within 2 business days of receipt.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;6px&#8221;]<style type=\"text\/css\">.thegem-button-6a03a4c21be1a7871 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21be1a7871 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21be1a7871 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: #124680;\"><\/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: 3px;background-color: #124680;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#124680';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/rp-independence-bankroll\/\" target=\"_self\">LEARN MORE<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #124680;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;24px&#8221;][\/vc_column][vc_column css_animation=&#8221;bottom-to-top&#8221; width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1720276522316{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 48px !important;padding-left: 48px !important;background-color: #eaeaea !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;100px&#8221;][vc_single_image image=&#8221;52802&#8243; img_size=&#8221;500&#215;148&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1751461700919{margin-bottom: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1751382428780{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #000000; font-size: 30px; line-height: 33px; letter-spacing: -.1px; font-weight: bold;\">OnRamp Interest-Only Revolving Line of Credit<\/span><\/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; css=&#8221;.vc_custom_1751382444106{padding-top: 19px !important;padding-bottom: 12px !important;}&#8221;][vc_column_text]<\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p style=\"text-align: left; font-size: 17px; line-height: 25px; letter-spacing: -.1px;\">OnRamp is ARF Financial\u2019s new interest-only revolver, structured as a bank loan making it the ideal short-term bridge for business owners seeking long-term SBA financing. While an SBA loan is processing, OnRamp delivers fast access to flexible and affordable working capital \u2013 without triggering ineligibility due to recent SBA refinancing restrictions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1751545804965{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 30px; color: #124680; font-weight: 600; line-height: 46px; text-align: center;\">ONRAMP IO-REVOLVER KEY BENEFITS<\/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; css=&#8221;.vc_custom_1751382501900{padding-top: 19px !important;padding-bottom: 12px !important;}&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;padding-top: -2pxpx;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Bank originated and fully SBA refinance-compliant<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Loan amounts up to $1.5 million<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">The minimum initial draw for OnRamp is only 25% of total approval<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Low, interest-only payments for up to 12 months<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;padding-top: 2pxpx;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Flexible repayment terms up to 36 months if needed<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Unlimited draws and partial principal paydowns ($10,000 minimum)<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf058;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<\/p>\n<div style=\"font-size: 18px; line-height: 22px; font-weight: 600; color: #00659e;\">Ability to pay off at any time with no prepayment penalties or fees<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1751471243706{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 12px; line-height: 17px; text-align: left; letter-spacing: -.2px;\">*To qualify, must be new merchant\/guarantor (out of the program 120 days). Unlimited draws and partial principal payments are only available during the revolving period. If interest rate sold is discounted from standard rate, referral partner commission will be discounted \u2013 communicated by assigned loan xonsultant. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting ensuring the merchant\u2019s creditworthiness has not materially changed since the original loan was initiated. Merchant is required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF strives to fund all qualified draw requests within 2 business days of receipt. OnRamp product is available through 9\/30\/2025.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;6px&#8221;]<style type=\"text\/css\">.thegem-button-6a03a4c21c4be1804 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c4be1804 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c4be1804 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: #124680;\"><\/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: 3px;background-color: #124680;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#124680';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/onramp-revolver-rp\/\" target=\"_self\">LEARN MORE<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #124680;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;24px&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;34px&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1720276777694{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/06\/arf-iimage-geo-background-soft-blue-1920&#215;870.jpg?id=43787) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row content_placement=&#8221;top&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1720276804852{margin-top: -20px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1705961031624{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1720196404239{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_single_image image=&#8221;50096&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1720143080095{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1720123743074{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/12&#8243; css=&#8221;.vc_custom_1705961031624{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;5\/6&#8243;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1720143129717{padding-bottom: 9px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1720143384683{padding-right: 25px !important;padding-left: 25px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; color: #124680;\">With elevated upfront and residual commissions, generous performance bonuses, overrides from downstream partners, and exclusive access to superior products and promotions, there\u2019s never been a better time to become a Loan Star Referral Partner! Check out the stellar new benefits that automatically come with this partnership.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #124680; font-size: 40px; line-height: 50px; font-weight: bold; letter-spacing: -.2px;\">Star-Powered Commissions<\/span><\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;51675&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221; css=&#8221;.vc_custom_1751463332012{padding-right: 16px !important;padding-left: 16px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1720143307704{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 12px; line-height: 17px; text-align: center; letter-spacing: -.2px;\">*The initial loan amount (draw) determines the commission tier percentage paid, as well as the percentage paid on all subsequent draws. For a draw amount (or portion there of) to be eligible, it must increase the outstanding loan balance above the initial loan (draw) amount.<\/div>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #124680; font-size: 40px; line-height: 50px; font-weight: bold; letter-spacing: -.2px;\">Skyrocketing Performance Bonuses<\/span><\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;50154&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221;][vc_column_text css=&#8221;.vc_custom_1720143524608{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"font-size: 12px; line-height: 17px; text-align: center; letter-spacing: -.2px;\">*Eligible funded amount refers to the total of the initial loan funding or refinance, plus any subsequent draws that increase the outstanding loan balance above the initial loan funding.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;36px&#8221;][vc_column_text]<\/p>\n<h5 style=\"text-align: center;\"><a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/rp-terms-and-conditions\/\">Referral Partner Program Universal Terms &amp; Conditions<\/a><\/h5>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1720379394015{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #002b59 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1720379383735{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1754061587036{margin-top: -16px !important;margin-bottom: 16px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 31px; letter-spacing: 5px; line-height: 30px;\">REFERRAL PARTNERS EARN MORE IN AUGUST<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1751463685801{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/5&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;52782&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;2\/5&#8243;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">Use Stella and Earn a 1% Bonus!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: left; font-size: 22px; line-height: 32px; color: #ffffff;\">Referral Partners who submit their deals through Stella will earn a 1% bonus* on all first draws funded by August 15th 2025. No cap. No catch. Just submit and fund!<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"line-height: 18px; font-size: 12px; color: #ffffff;\">*To qualify for the 1% August Referral Bonus powered by Stella, referral partner must have a validated Loan Stars agreement. All fees and compensation due for any Referral are subject to the terms of the Loan Stars Referral Partner Agreement including the Terms and Conditions (here-this would hyperlink to the updated Terms and Conditions). To qualify for the 1% bonus, deals must be submitted via the Stella Email Portal (stella@arffinancial.com) and conform to the requirements of the Stella Program Parameters as set forth in the Terms (e.g. the Referral shall attach a pdf copy of the client\u2019s completed application along with the three most recent bank statements and be processed by the Stella AI Assistant and provide valid authorization by the client to share the application and supporting documents with ARF). The Referral must also result in a funded first draw between August 1 and August 15, 2025. The August Referral Bonus applies only on the initial draw amount of new loans submitted and does not apply to renewals, line increases, or subsequent draws. The bonus is calculated based on the funded amount of the first draw and will be paid in addition to standard referral commissions. Bonuses will be paid after funding and verification. ARF Financial reserves the right to modify, extend, or terminate this promotion at any time without prior notice.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1720379394015{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #002b59 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1720379383735{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1754061675594{margin-top: -16px !important;margin-bottom: 16px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 31px; letter-spacing: 5px; line-height: 30px;\">CLIENTS RECEIVE BIG REWARDS IN AUGUST<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1751463735156{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;1\/5&#8243;][\/vc_column][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/5&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;46613&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1751472185601{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;2\/5&#8243;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">$Up to 1,000 Just for Using Independence Bankroll!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: left; font-size: 22px; line-height: 32px; color: #ffffff;\">Your clients can receive a $500 Amex E-Gift Card for every $50,000 they take on their intial draw up to a $1,000 maximum. Offer ends 8\/31\u00ad\u00ad\u00ad\u00ad\/2025.*<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"line-height: 18px; font-size: 12px; color: #ffffff;\">*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $500 Amex Gift Card for every $50,000 taken on their initial draw, up to a maximum of $1,000. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate this offer at any time.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;80px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1720186062679{margin-top: -36px !important;padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1751463920480{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #00659e !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1751472667072{margin-top: -14px !important;}&#8221;]<\/p>\n<p id=\"top-loans\" style=\"text-align: center; color: #ffffff; font-size: 40px; line-height: 40px; font-weight: 600;\">Top Approvals &amp; Fundings in April 2025<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;30&#8243; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1720186298185{margin-top: 24px !important;margin-right: 2% !important;margin-bottom: 24px !important;margin-left: 2% !important;}&#8221;][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1730479551853{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;background-color: #eaeaea !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-left-color: #cecece !important;border-left-style: solid !important;border-right-color: #cecece !important;border-right-style: solid !important;border-top-color: #cecece !important;border-top-style: solid !important;border-bottom-color: #cecece !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;46028&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Manufacturing &#8211; $500,000<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1751473315319{padding-left: 30px !important;}&#8221;]<\/p>\n<ul style=\"font-weight: 600; padding-left: 20px;\">\n<li style=\"text-align: left;\">Time in Business: \u00a08 Years<\/li>\n<li style=\"text-align: left;\">Annual Revenue: \u00a0$14 Million<\/li>\n<li style=\"text-align: left;\">State: Florida<\/li>\n<li style=\"text-align: left;\">Credit Score: \u00a0650-699<\/li>\n<li style=\"text-align: left;\">Loan Product: \u00a0Bankroll<\/li>\n<li style=\"text-align: left;\">Client&#8217;s Initial Draw:\u00a0 $418,765<\/li>\n<li>Commission Earned:\u00a0 $33,500<\/li>\n<li>Performance Bonus Earned: $1,250<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h5 style=\"text-align: center;\"><strong>Total Earnings: $34,750<\/strong><\/h5>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1720184740026{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;background-color: #ededed !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-left-color: #c6c6c6 !important;border-left-style: solid !important;border-right-color: #c6c6c6 !important;border-right-style: solid !important;border-top-color: #c6c6c6 !important;border-top-style: solid !important;border-bottom-color: #c6c6c6 !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;50643&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Pizza Franchise &#8211; $300,000<\/strong><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1751473223294{padding-left: 30px !important;}&#8221;]<\/p>\n<ul style=\"font-weight: 600; padding-left: 20px;\">\n<li>Time in Business: \u00a02 Years<\/li>\n<li>Annual Revenue\u00a0 $6 Million<\/li>\n<li>State: \u00a0Indiana<\/li>\n<li>Credit Score: \u00a0650 &#8211; 699<\/li>\n<li>Loan Product: Bankroll<\/li>\n<li>Client&#8217;s Initial Draw: $300,000<\/li>\n<li>Commission Earned:\u00a0 $24,000<\/li>\n<li>Performance Bonus Earned: $3,750<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h5 style=\"text-align: center;\"><strong>Total Earnings: $27,350<\/strong><\/h5>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1724328852609{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;background-color: #eaeaea !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-left-color: #cecece !important;border-left-style: solid !important;border-right-color: #cecece !important;border-right-style: solid !important;border-top-color: #cecece !important;border-top-style: solid !important;border-bottom-color: #cecece !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;44605&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Restaurant &#8211; $300,000<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1751473259125{padding-left: 30px !important;}&#8221;]<\/p>\n<ul style=\"font-weight: 600; padding-left: 20px;\">\n<li style=\"text-align: left;\">Time in Business: \u00a02 Years<\/li>\n<li style=\"text-align: left;\">Annual Revenue: \u00a0$4 Million<\/li>\n<li style=\"text-align: left;\">State:\u00a0 Florida<\/li>\n<li style=\"text-align: left;\">Credit Score: \u00a0700-750<\/li>\n<li style=\"text-align: left;\">Loan Product: \u00a0Bankroll<\/li>\n<li style=\"text-align: left;\">Client&#8217;s Initial Draw:\u00a0 $269,743<\/li>\n<li>Commission Earned:\u00a0 $21,576<\/li>\n<li>Performance Bonus Earned: $1,250<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h5 style=\"text-align: center;\"><strong>Total Earnings: $22,826<\/strong><\/h5>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1705960321731{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 16px !important;background: rgba(0,0,0,0.32) url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;}&#8221;][vc_row css=&#8221;.vc_custom_1659460249101{padding-top: 14px !important;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #124680; font-size: 40px; line-height: 49px; font-weight: bold; letter-spacing: -.5px;\">Loan Stars Rewards Program Information, Updates and Webinars<\/span><\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1659460291285{padding-top: 6px !important;}&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;35&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1720187603956{margin-right: 2% !important;margin-bottom: 0px !important;margin-left: 2% !important;padding-top: 20px !important;padding-right: 32px !important;padding-bottom: 20px !important;padding-left: 32px !important;}&#8221;][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1659455939988{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.6) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;44604&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Success Stories<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">We really enjoy hearing about the successes from our partners and, of course sharing them with others. There are many partners with unique, interesting and informative client success stories. You may read one that inspires you to try penetrating a new vertical. Maybe we&#8217;ll feature one of your stories here too!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21c5d75673 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c5d75673 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c5d75673 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/resources\/rp-success-stories\/\" target=\"_self\">SUCCESS STORIES<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1659455948323{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.6) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;40984&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Join the Program<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Not a partner yet? Become a Loan Star and unlock unlimited earning potential simply by referring clients to ARF Financial. Referral Partners get exclusive access to new products and promotions with no annual memberships, expirations, or renewal fees. Visit our Loan Stars page to learn more.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21c6e01969 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c6e01969 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c6e01969 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_blank\">JOIN 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][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1659455957608{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.6) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Network Leaders<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">As a Loan Star you&#8217;ll have the unique opportunity to recruit your own network of Loan Stars. The larger your network, the bigger the opportunity to earn override commissions from downstream fundings! You can also cash in on Recruiting Bonuses. For every 50 Loan Stars you recruit you&#8217;ll receive $2,500! Learn more about it below.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21c8099288 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c8099288 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c8099288 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2024\/07\/Loan-Stars-Recruiting.pdf\" target=\"_self\">LEADER BENEFITS<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][vc_column width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1719523974937{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.5) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;37125&#8243; img_size=&#8221;210&#215;210&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Upcoming Training Webinars<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The best way to be successful is to stay educated! We invite you to join one of our webinars to learn more about our program. Full training webinars are held twice a month and a topical breakout session webinar is scheduled once a month on a variety of topics.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.arffinancial.com\/development\/webinar-library\"><strong>Review Past Webinars in our Library<\/strong><\/a><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21c8f92639 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c8f92639 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c8f92639 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/webinar-schedule\" target=\"_self\">SIGN UP FOR A WEBINAR<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;25&#8243; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1660437800516{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 8% !important;padding-left: 8% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/06\/arf-iimage-geo-background-soft-blue-1920&#215;870.jpg?id=43787) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner][vc_column_text css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1680752579883{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #124680; font-size: 43px; line-height: 40px; font-weight: bold;\">Industry News<\/span><\/p>\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_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1660437786581{padding-top: 12px !important;padding-bottom: 12px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1660437539762{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;44756&#8243; img_size=&#8221;230&#215;230&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">A Restaurant Survival Tool for Inflation: Cash Discounting<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Cash discounting is growing in acceptance with more than 30,000 restaurants and businesses adopting cash discounting programs. Even large corporations like Hilton and Starbucks are coming on board. While a small number of consumers will opt to pay cash, there has been little to no negative effects on consumers choices or loss of business by the merchant.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21c9f58870 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21c9f58870 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21c9f58870 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/a-restaurant-survival-tool-for-inflation-cash-discounting\/\" target=\"_self\">READ MORE<\/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\/3&#8243; css=&#8221;.vc_custom_1660437519772{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;44755&#8243; img_size=&#8221;230&#215;230&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Commercial Disclosure Laws Create Legal Challenges for Referral Partners<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You may be aware that new commercial financial product disclosure laws have been adopted in several states, but did you know that these laws impose significant obligations on both the providers of these products and the referral partners who source the customers for these providers?\u00a0 Are you and your funders ready for these changes?\u00a0 Here&#8217;s what to do.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21cac63956 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21cac63956 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21cac63956 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/commercial-disclosure-laws-create-legal-challenges-for-referral-partners\/\" target=\"_self\">Read More<\/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\/3&#8243; css=&#8221;.vc_custom_1660437506484{margin-bottom: 0px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 45px !important;padding-bottom: 10px !important;padding-left: 45px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(255,255,255,0.5) !important;border-left-style: solid !important;border-right-color: rgba(255,255,255,0.5) !important;border-right-style: solid !important;border-top-color: rgba(255,255,255,0.5) !important;border-top-style: solid !important;border-bottom-color: rgba(255,255,255,0.5) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;44754&#8243; img_size=&#8221;230&#215;230&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">MCA Funders in Legal Jeopardy Due to New Court Decisions<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The merchant cash advance (MCA) industry has often walked a \u201clegal\u201d tight rope in its product offerings. Recent decisions by the U.S. District Court for the Southern District of NY (in Manhattan) have called certain MCA practices into question in upholding legal challenges to these practices as a legal sham which may violate the Racketeering and Corrupt Practices Act (\u201cRICO\u201d).<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21cb633835 .gem-button svg {fill: #ffffff;}.thegem-button-6a03a4c21cb633835 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21cb633835 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: #cd9d2f;\"><\/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: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/mca-funders-in-legal-jeopardy-due-to-new-court-decisions\/\" target=\"_self\">Read More<\/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_row_inner][vc_empty_space height=&#8221;8px&#8221;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1660412952494{margin-top: 0px !important;}&#8221;][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1655513524731{margin-right: 5% !important;margin-bottom: 0px !important;margin-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Need Help with Marketing?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Loan Stars can take advantage of the available marketing materials and customizations to help maximize their sales efforts. Whether you are focused on cold calling, digital marketing, email or direct mail, we provide support and resources to help you sell our unique loan products. Fully customized landing page, cobranded application and personalized marketing materials are available for $250.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;15&#8243; css=&#8221;.vc_custom_1705961151527{margin-top: 0px !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;5\/12&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1720291740319{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h4>Personalized Landing Page &amp; Cobranded Application<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1737332182481{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"color: #00659e; font-size: 17px; line-height: 24px;\">Loan Star partners can receive a personalized landing page promoting their business as an ARF Financial Preferred Partner. Your landing page will include your logo, head shot and company contact details. All links, including the APPLY NOW button, will contain your dedicated URL which sends clients to your cobranded application and tracks their activity. Clients will be automatically assigned to you when they apply. View sample personalized landing page here: <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/trinity-capital\" target=\"_blank\" rel=\"noopener no-referrer\">Sample Landing Page<\/a>.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;15px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1720291810613{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h4>Cobranded Marketing Materials<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"color: #00659e; font-size: 17px; line-height: 24px;\">Another great benefit of partnering with ARF Financial is access to marketing materials to support your sales efforts. Self-serve, downloadable PDFs are available <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/referral-partner-flyers\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>. Loan Stars can also request cobranded, personalized PDF files which cover our various lending products, competitive advantages and how to qualify. Perfect for sharing with clients during sales pitches or discovery calls. View sample marketing materials <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/LOCCeleste.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column][vc_column width=&#8221;5\/12&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1720293389909{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h4>Dedicated URL<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"color: #00659e; font-size: 17px; line-height: 24px;\">All Loan Star partners are assigned a dedicated URL designed to track in-bound application activity from your website, emails, social media and other marketing efforts. Partners are encouraged to insert their URL into email links, email signatures, social media links and website links. When your clients use this link to apply online, our application portal recognizes each link and assigns the loan application to you. See <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2024\/06\/LoanStars-DedicatedLinkInstructions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">instructions<\/a> on how to insert your dedicated URL into your links.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;15px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1720293779810{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h4>Pipeline Tracking Emails<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"color: #00659e; font-size: 17px; line-height: 24px;\">When one of your clients starts our online application, an automated email notification is triggered letting you know you have a loan in play. This is called a Pipeline Email and it includes the applicant&#8217;s name, email, phone, requested loan amount, and underwriting status. Your loan consultant is also alerted and will contact you before reaching out to the client to expedite the application. We welcome any assistance you&#8217;d like to provide to expedite the file.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1654543838987{margin-top: 16px !important;margin-bottom: 0px !important;padding-top: 2% !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Minimum Qualifications<br \/>\n<\/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; css=&#8221;.vc_custom_1629898192816{margin-bottom: 30px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1653759982597{margin-right: 3% !important;margin-left: 3% !important;padding-right: 26px !important;padding-left: 26px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759163835{margin-bottom: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;44758&#8243; img_size=&#8221;120&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Industry Type<\/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; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1660506655376{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We lend to more than just restaurants. Over the years we&#8217;ve expanded to include many more industry types. <a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here<\/a> to see the full list.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759184436{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;44402&#8243; img_size=&#8221;120&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Credit Score<\/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; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1751463970013{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 575 or higher.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759281991{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;44401&#8243; img_size=&#8221;120&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Time in Business<\/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; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337171442{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759218983{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;44766&#8243; img_size=&#8221;120&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Annual Sales<\/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; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1653760196838{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1720379337986{margin-bottom: 0px !important;padding-bottom: 30px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/hundreds-bkg-light.jpg?id=42837) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Our Unique Loan Products<\/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;#c89c1f&#8221;][vc_empty_space][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1720187776890{margin-right: 4% !important;margin-left: 4% !important;padding-bottom: 16px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1720187900135{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 39px !important;padding-left: 39px !important;background-color: rgba(0,0,0,0.05) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;14px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120X120&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">BANKROLL &#8211; Revolving Line of Credit<br \/>\n<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text css=&#8221;.vc_custom_1654217390281{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Businesses are always evolving. Wouldn\u2019t it be great to have a financial product that&#8217;s flexible enough to evolve with them? Now we do! Our new Revolving Line of Credit &#8211; BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment \u2013 plus the flexibility to pay down or draw funds on an unlimited basis!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21cf4d6888 .gem-button svg {fill: #002f65;}.thegem-button-6a03a4c21cf4d6888 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21cf4d6888    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/revolving-line-of-credit\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1720187890595{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 39px !important;padding-left: 39px !important;background-color: rgba(0,0,0,0.05) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;14px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120X120&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Interest-Only Bankroll Revolving Line of Credit<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text css=&#8221;.vc_custom_1710367281169{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">ARF Financial\u2019s IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives your clients the flexibility to draw funds and pay down their principal balance as often as they need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool that Referral Partners can use to help fuel their client&#8217;s business growth.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a03a4c21d04a9406 .gem-button svg {fill: #002f65;}.thegem-button-6a03a4c21d04a9406 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a03a4c21d04a9406    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/interest-only-bankroll-revolving\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;8px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1720379394015{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #002b59 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1720379383735{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1720379499378{margin-top: -6px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #ffffff; font-size: 22px; line-height: 29px; letter-spacing: 5px;\">WHY NOT GIVE YOURSELF A RAISE?<\/div>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 43px; line-height: 60px; font-weight: bold; letter-spacing: 1px;\">LOAN STARS PARTNER SIGN UP FORM<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1720188026283{margin: 0px !important;background: rgba(0,101,158,0.3) url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-fnancial-ourteam-bankpartners-image-geo-background-1920&#215;457.png?id=26476) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_column][vc_empty_space height=&#8221;18px&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1735844591289{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Become a Loan Star and Earn Up to 8% Commissions<\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][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;9px&#8221;][vc_row_inner css=&#8221;.vc_custom_1650575862189{margin-bottom: 0px !important;}&#8221;][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; line-height: 26px;\">Now&#8217;s the time to become a Loan Star Partner and take advantage of the BIG increases in commissions, performance bonuses and overrides! <\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;16px&#8221;][vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMmY2YmRlYmU3LTg5YmEtNGFlZS04ODQ5LWU4NmFkYzY3MjY5MCUyMiU1RA==[\/vc_raw_html][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section full_width=&#8221;stretch_row_content&#8221;][vc_row gap=&#8221;5&#8243;][vc_column 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