{"id":41341,"date":"2022-04-08T17:13:55","date_gmt":"2022-04-08T21:13:55","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=41341"},"modified":"2023-11-06T17:33:42","modified_gmt":"2023-11-06T22:33:42","slug":"windfall","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/broker-referral\/windfall\/","title":{"rendered":"Windfall Loan Investment Program"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1649624035067{margin-top: 16px !important;margin-bottom: 0px !important;padding-top: 3% !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1651077714909{margin-bottom: 5px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #00659e; font-size: 36px; font-weight: bold;\">WINDFALL &#8211; Loan Investment Program<br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1650570507986{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #00659e; font-size: 23px;\">CEO\u2008Circle Members can now invest in the loans they fund and reap the WINDFALL! <\/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; css=&#8221;.vc_custom_1528325816442{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651418512144{padding-right: 20px !important;padding-left: 20px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Where can you find an investment with IRR\u2019s in the 30% range today? If you did, it would certainly be a windfall! That\u2019s exactly what ARF Financial is now offering its Circle of Rewards CEO Members by allowing them to invest in the loans they fund! Welcome to the new WINDFALL Loan Investment Program designed to build wealth among our CEO Member partners! CEO Members can now invest an amount up to 10% of a loan a they fund and reap the WINDFALL!\u00a0 Here are some of the program&#8217;s advantages:<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;36px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1651435150267{margin-bottom: 0px !important;padding-bottom: 30px !important;background: rgba(153,153,153,0.6) url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(153,153,153) !important;}&#8221;][vc_column][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Benefits of the WINDFALL Loan Investment Program<\/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; gap=&#8221;25&#8243; css=&#8221;.vc_custom_1650584361148{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651435088162{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: 35px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;160&#215;160&#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;\">High Rate of Return<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_column_text]<\/p>\n<p style=\"text-align: center;\">Where can you find an investment these days with a return in the 30% range? Now you can! Based on ARF\u2019s average annualized rate and loan servicing fee, a member can expect a return rate of ~ 34%<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e2db53139 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e2db53139 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e2db53139    \"  ><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=\"#windfall-details\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651435096687{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: 35px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;160&#215;160&#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;\">In Addition to Commissions<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_column_text]<\/p>\n<p style=\"text-align: center;\">The yield on this investment is separate and distinct from the commission paid on the loan by ARF. The member\u2019s yield and principal will be pro ratably paid via ACH on a weekly basis.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e2ed54079 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e2ed54079 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e2ed54079    \"  ><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=\"#windfall-details\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651435106896{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: 30px !important;padding-left: 30px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_single_image image=&#8221;38199&#8243; img_size=&#8221;160&#215;160&#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;\">Use Your Commissions to Invest<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_column_text]<\/p>\n<p style=\"text-align: center;\">The CEO Member\u2019s investment may be funded by a redirection of the CEO Member\u2019s commission or by separate bank wire (or outgoing bank ACH) or a combination of both.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e2fc8931 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e2fc8931 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e2fc8931    \"  ><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=\"#windfall-details\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651435118158{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: 30px !important;padding-left: 30px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;160&#215;160&#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;\">Your Investment Mirrors Ours<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_column_text]<\/p>\n<p style=\"text-align: center;\">The investment return will mirror the loan\u2019s performance, less ARF\u2019s servicing fee. ARF\u2019s return and the member\u2019s return will be treated exactly the same, based upon their pro rata share of the loan amount.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e30a41714 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e30a41714 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e30a41714    \"  ><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=\"#windfall-details\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style type=\"text\/css\">.thegem-button-6a0fc2e8e31a97573 .gem-button svg {fill: #ffffff;}.thegem-button-6a0fc2e8e31a97573 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e31a97573     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='#002f65';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/windfall-terms-and-conditions\/\" target=\"_self\">WINDFALL TERMS &amp; CONDITIONS<\/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;]<style type=\"text\/css\">.thegem-button-6a0fc2e8e32881356 .gem-button svg {fill: #ffffff;}.thegem-button-6a0fc2e8e32881356 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e32881356     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='#002f65';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/Windfall-Program-Investment-Agreement.4.26.22.pdf\" target=\"_self\">WINDFALL INVESTMENT AGREEMENT<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1651250845761{margin-bottom: 0px !important;padding-bottom: 30px !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][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; color: #ffffff; font-size: 37px; font-weight: bold;\">CEO Circle Program Benefits<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;24px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1649625301930{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1651251002439{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 30px !important;padding-right: 8% !important;padding-bottom: 12px !important;padding-left: 8% !important;background-color: rgba(255,255,255,0.8) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;36842&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Earn Higher Commissions<\/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;12px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><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-medium  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members now receive 8% up-front commissions on new fundings; plus 8% residual commissions on the &#8220;cash out&#8221; portion of all line of credit draws, refinances and renewals for the life of the client*<\/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-medium\" ><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-medium  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">Receive calendar-year performance bonuses equal to 1% ($5,000) for every $500,000 funded (up to $25,000).<\/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-medium\" ><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-medium  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">The prior cap of $36,000 on commissions earned on a loan funding has been eliminated.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><style type=\"text\/css\">.thegem-button-6a0fc2e8e366b734 .gem-button svg {fill: #ffffff;}.thegem-button-6a0fc2e8e366b734 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e366b734     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: 0px;background-color: #124680;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#124680';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"#you-can-sell-our-products\" target=\"_self\">Sign Me Up<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #124680;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1651250991175{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 30px !important;padding-right: 8% !important;padding-bottom: 12px !important;padding-left: 8% !important;background-color: rgba(255,255,255,0.8) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;36841&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Build Your Circle of Influence<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;12px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members will receive 50% of the Membership Network Fee collected when they recruit and sign a CEO Circle Member (1st tier only).<\/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-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members will receive a $5,000 bonus for every (50) CEO Circle Members they add to their Circle of Influence.<\/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-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members who become Circle Of Influence Network Leaders will receive a 1% override commission on fundings generated by downstream members from their COI Network.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><style type=\"text\/css\">.thegem-button-6a0fc2e8e39963168 .gem-button svg {fill: #ffffff;}.thegem-button-6a0fc2e8e39963168 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e39963168     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: 0px;background-color: #124680;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#124680';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"#you-can-sell-our-products\" target=\"_self\">Sign Me Up<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #124680;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1651250977078{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 30px !important;padding-right: 8% !important;padding-bottom: 12px !important;padding-left: 8% !important;background-color: rgba(255,255,255,0.8) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;36842&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Get Useful Tips to Help Fill Your Pipeline<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;12px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">Get tips on sales pitches, cold calling and prospecting best practices that work for ARF Financial.<\/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-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members will receive a co-branded landing page on the ARF Financial website to build trust with their clients.<\/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-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">Each member will receive a dedicated URL to track all online activity from their website and other online marketing efforts.<\/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-medium\" ><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-medium  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #124680;\"><span class=\"back-angle\">&#xf14a;<\/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: 17px; line-height: 23px;\">CEO Circle Members will receive a co-branded online application in the loan portal.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><style type=\"text\/css\">.thegem-button-6a0fc2e8e3d417451 .gem-button svg {fill: #ffffff;}.thegem-button-6a0fc2e8e3d417451 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e3d417451     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: 0px;background-color: #124680;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#124680';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"#you-can-sell-our-products\" target=\"_self\">Sign Me Up<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #124680;\"><\/div><\/div><\/div><\/div> [\/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; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1651688654546{margin-bottom: 12px !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1528139881173{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<h2 id=\"windfall-details\" style=\"text-align: center;\"><span style=\"color: #00659e;\">WINDFALL Program Details<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;][vc_empty_space height=&#8221;16px&#8221;][vc_row_inner gap=&#8221;25&#8243; css=&#8221;.vc_custom_1651688625642{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#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-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: 17px; line-height: 23px;\">Any CEO Member may invest up to 10% of a loan (face amount), that they submit and fund through ARF or an ARF Bank partner. A minimum investment of $2,000 is required.<\/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: 17px; line-height: 23px;\">Based upon ARF\u2019s average annualized rate, and after the ARF servicing fee, a member should expect a return on their investment of approximately 34%. The stated return may vary depending on the annualized rate, the type of loan product sold and payment performance of the merchant.<\/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: 17px; line-height: 23px;\">The yield on this investment is separate and distinct from the commission to be paid to the member by ARF.<\/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: 17px; line-height: 23px;\">The member will earn a yield equal to 67% of the loan\u2019s yield based upon their investment percentage (up to 10%), excluding points due at closing, over the term of the loan. The balance of the loan\u2019s yield will be allocated to ARF for the underwriting and on-going servicing of the loan.<\/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: 17px; line-height: 23px;\">For example, if a CEO Member submitted a $100,000 loan that funded with a 78-week term and a loan payback multiple of 1.45, the CEO Member could invest up to $10,000. After ARF&#8217;s servicing fee, the member would earn a net multiple of 1.30 (67% of the original multiple on the loan) on their $10,000 investment over 78 weeks. The CEO Member would earn $3,000 as long as the borrower made their payments in accordance with their loan terms. Since the CEO Member\u2019s investment (principal) and yield is returned weekly, the annualized IRR on their investment is approximately 34%!<\/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: 17px; line-height: 23px;\">Based upon the example above, the CEO Member could earn $8,000 in commissions and $3,000 on their investment for a total of $11,000 or 11% on the $100,000 funded loan. If in the example the loan funded amount was $500,000, then potentially $55,000 could be earned! ARF\u2019s average loan size is over $120,000, and we will lend up to $500,000 without submitting tax returns and financials on a single location and up to $750,000 on multiple locations.<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#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-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: 17px; line-height: 23px;\">The CEO Member\u2019s yield and principal will be pro ratably returned via ACH on a weekly basis based upon the prior week\u2019s activity.<\/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: 17px; line-height: 23px;\">The CEO Member\u2019s investment may be funded by a redirection of their commission, by separate bank wire, (or outgoing bank ACH) or a combination of both.<\/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: 17px; line-height: 23px;\">The CEO Member\u2019s investment must be committed within one week of a loan\u2019s funding and will be documented by a WINDFALL Investment Agreement.<\/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: 17px; line-height: 23px;\">Payment of the CEO Member\u2019s investment must occur within one week of a WINDFALL Investment Agreement being executed. A redirection of a CEO Member\u2019s commission paid up front (excluding CDOT or rollover commissions), in payment or partial payment of their investment, will be deemed paid when a member signs a WINDFALL Commission Redirection Agreement. Failure to pay the entire investment on time will result in the voiding of the WINDFALL Investment Agreement and a return of the funds, if any, that had been paid prior to the voided agreement.<\/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: 17px; line-height: 23px;\">The CEO Member\u2019s investment yield will mirror the loan\u2019s performance and the CEO Member will sit side-by-side with ARF i.e. ARF\u2019s return and the CEO Member\u2019s return will be treated exactly the same, based upon their pro rata share, and based upon the loan\u2019s performance. If the loan defaults or restructures, the CEO Member RP\u2019s investment is at risk, no different than ARF.\u00a0 The CEO Member shall receive their pro rata share of any default recoveries, after ARF\u2019s collection costs.<\/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: 17px; line-height: 23px;\">ARF shall have the sole authority to approve and fund a loan application (whether new or a refinance), submitted by a CEO Member, and any subsequent restructuring that may be required. The CEO Member shall have the right to invest or decline to invest in any loan that they originally invested in, if it refinances (this specifically excludes restructurings which will require their continued investment).<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1651688673846{margin-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style type=\"text\/css\">.thegem-button-6a0fc2e8e46779680 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e46779680 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e46779680     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/windfall-terms-and-conditions\/\" target=\"_self\">WINDFALL TERMS &amp; CONDITIONS<\/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;]<style type=\"text\/css\">.thegem-button-6a0fc2e8e47639979 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e47639979 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e47639979     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/Windfall-Program-Investment-Agreement.4.26.22.pdf\" target=\"_self\">WINDFALL INVESTMENT AGREEMENT<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1649624879709{margin-bottom: 0px !important;padding-top: 1% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/03\/getting-qualified1.jpg?id=41010) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<h2 id=\"you-can-sell-our-products\" style=\"text-align: center;\">Not a Circle Member yet? Complete the Form Below to Sign Up!<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1650655942379{padding-top: 2% !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: rgba(0,101,158,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 10px !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a0fc2e8e47c3 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-6a0fc2e8e47c3\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMmY2YmRlYmU3LTg5YmEtNGFlZS04ODQ5LWU4NmFkYzY3MjY5MCUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1650570464687{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 10px !important;background: #00659e 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][vc_column_text css=&#8221;.vc_custom_1651418982566{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 29px;\">When choosing the right business lender to partner with, it\u2019s important to compare loan size and repayment terms because&#8230;<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 80px; font-weight: bold;\">Size Matters!<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1650467455552{margin-top: 20px !important;margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a0fc2e8e4808 {margin-top: 24px !important;}<\/style><div id=\"thegem-divider-6a0fc2e8e4808\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: center; font-size: 26px; color: #00659e; line-height: 33px;\"><strong>Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/strong><\/p>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial provides loan amounts over <strong>six times larger<\/strong> and repayment terms more than <strong>three times longer<\/strong> than a Merchant Cash Advance. Larger loan amounts mean more commissions for you! And longer terms mean lower payments for your clients. Check out the comparison below.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1650467518751{margin-right: 2% !important;margin-bottom: 0px !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1645472727040{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1645472743156{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;12px&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1651263306557{margin-bottom: 0px !important;padding-bottom: 40px !important;background: #dedede url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][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;25&#8243; css=&#8221;.vc_custom_1651693486284{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651419199867{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: 35px !important;padding-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;40984&#8243; img_size=&#8221;145&#215;145&#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_column_text css=&#8221;.vc_custom_1651419719266{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business is always evolving. Wouldn\u2019t it be great to have a financial product flexible enough to evolve with it? Now you 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, plus the flexibility to pay down or draw more funds on an unlimited basis!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e48a5374 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e48a5374 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e48a5374    \"  ><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\/4&#8243; css=&#8221;.vc_custom_1651419214632{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: 35px !important;padding-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;145&#215;145&#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 Flex Pay Loan<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_column_text css=&#8221;.vc_custom_1699310015899{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We believe growing your business shouldn\u2019t mean sacrificing your cash flow, and with ARF&#8217;s new Interest-Only Flex Pay Loan it doesn\u2019t. It now allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e49577615 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e49577615 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e49577615    \"  ><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\/interest-only-flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651419230043{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: 30px !important;padding-bottom: 10px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;145&#215;145&#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;\">Lines 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_column_text css=&#8221;.vc_custom_1651419751772{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses pop up, your clients will be ready. Our Line of Credit gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e49f42984 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e49f42984 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e49f42984    \"  ><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=\"\/loans-by-product\/lines-of-credit\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651693622081{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: 35px !important;padding-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(0,101,158,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;145&#215;145&#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;\">Flex Pay Loans<\/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_column_text css=&#8221;.vc_custom_1651419761035{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Many merchants simply don\u2019t dream big because they believe they can\u2019t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a0fc2e8e4aa58804 .gem-button svg {fill: #002f65;}.thegem-button-6a0fc2e8e4aa58804 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a0fc2e8e4aa58804    \"  ><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\/flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1651419670758{margin-top: 40px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">What Our Customers Are Saying<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_single_image image=&#8221;32318&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1648223576720{margin-bottom: 0px !important;}&#8221;][vc_raw_html]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[\/vc_raw_html][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1651419525862{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 2% !important;padding-bottom: 2% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/03\/getting-qualified1.jpg?id=41010) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;12px&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Latest News from Our Blog<\/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; css=&#8221;.vc_custom_1528305924912{margin-bottom: 35px !important;}&#8221;][vc_row_inner][vc_column_inner]<div class=\"preloader\"><div class=\"preloader-spin\"><\/div><\/div><div id=\"style-a4f26b3\" data-style-uid=\"a4f26b3\" class=\"blog blog-style-3x clearfix blog-style-masonry item-animation-move-up pagination-disable\" data-next-page=\"2\" data-pages-count=\"380\"> <article id=\"post-53206\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53206 post type-post status-publish format-standard has-post-thumbnail category-small-business-financing tag-affordable-business-loans tag-affordable-small-business-growth tag-business-expansion tag-business-growth tag-business-line-of-credit tag-business-loans tag-equipment-leasing tag-flex-pay-loans tag-line-of-credit tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-the-arf-advantage-regulatory-stability-for-small-businesses tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025C-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"The ARF Advantage: Regulatory Stability for Small Businesses\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <span class=\"post-meta-author\">By Robert Whited<\/span> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\" rel=\"bookmark\">02 Sep: <span class=\"light\">The ARF Advantage: Regulatory Stability for Small Businesses<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> 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