{"id":52370,"date":"2025-04-28T13:02:07","date_gmt":"2025-04-28T17:02:07","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=52370"},"modified":"2025-08-01T11:18:11","modified_gmt":"2025-08-01T15:18:11","slug":"stella","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/stella\/","title":{"rendered":"Stella AI Loan Assistant"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1750854869764{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !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=&#8221;.vc_custom_1750852639869{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750998096513{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 58px; font-weight: 900; color: #6cc9f7; line-height: 66px; letter-spacing: -.2px;\">Stella Introduction Video<\/div>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750853794632{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 25px; font-weight: 400; color: #ffffff; line-height: 45px;\">Brought to you by our Loan Stars Referral Partner Program<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space][vc_row_inner content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1750852875587{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;7\/12&#8243; css=&#8221;.vc_custom_1750818144724{margin-top: 0px !important;margin-bottom: 0px !important;}&#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\/OTQbir-LulM?si=-kVeRiBB5XzkY_FI\"  poster=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/stella-video-laptop-background.jpg\" preload=\"none\"><\/video><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;42105&#8243; img_size=&#8221;84&#215;70&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750852730860{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221; link=&#8221;https:\/\/youtu.be\/OTQbir-LulM&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1750853394626{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Watch our video to discover how Stella can help you serve clients faster by automating the front-end application process.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;6px&#8221;][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;90&#8243; accent_color=&#8221;#999999&#8243; css=&#8221;.vc_custom_1654344400036{margin-top: 10px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1750187768207{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 20px; line-height: 24px; letter-spacing: 2px; color: #eeeeee;\">CREATED EXCLUSIVELY FOR OUR<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;3px&#8221;][vc_column_text css=&#8221;.vc_custom_1750189418709{margin-bottom: 3px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 30px; line-height: 38px; font-weight: bold;\">LOAN STARS PARTNERS<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;90&#8243; accent_color=&#8221;#999999&#8243; css=&#8221;.vc_custom_1654309298821{margin-bottom: 15px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1754061486620{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #ffffff; font-size: 19px; line-height: 28px;\"><em>View the recordings of our July Launch Party webinars below.<\/em><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1750092396265{margin-bottom: 0px !important;padding-bottom: 30px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/light-hundreds-bkg.jpg?id=42619) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;21px&#8221;][vc_column_text css_animation=&#8221;rotateIn&#8221; css=&#8221;.vc_custom_1750190492475{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 36px; font-weight: 900; color: #124680; line-height: 36px;\"><b>Stella&#8217;s Launch Party Webinars<\/b><\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1753978009201{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;]<\/p>\n<p style=\"font-weight: 400; text-align: center; color: #124680;\">We held four Webinar Launch Parties in July for Referral Partners to learn all about Stella. Use the buttons below to view the recording for the Webinar Launch Party or other recorded webinars.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;26px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;10&#8243; css=&#8221;.vc_custom_1750854456180{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1750261163177{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 3px !important;padding-right: 10px !important;padding-bottom: 3px !important;padding-left: 10px !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: #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;]<style type=\"text\/css\">.thegem-button-69e167aebaa12283 .gem-button svg {fill: #ffffff;}.thegem-button-69e167aebaa12283 .gem-button:hover svg {fill: #124680;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebaa12283    \"  ><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;color: #ffffff;\" onmouseleave=\"this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#124680';\" href=\"https:\/\/us02web.zoom.us\/rec\/share\/fvOVW2LQ_UV9cU7gtImvy40VEw51Ml08InJSANawtYgBaFKW6russyxx8759QiQ6.EytNQ4Mx8wRZkjuH\" target=\"_blank\">VIEW STELLA LAUNCH RECORDING<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1750261142606{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 3px !important;padding-right: 10px !important;padding-bottom: 3px !important;padding-left: 10px !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: #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;]<style type=\"text\/css\">.thegem-button-69e167aebaadb4490 .gem-button svg {fill: #ffffff;}.thegem-button-69e167aebaadb4490 .gem-button:hover svg {fill: #124680;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebaadb4490    \"  ><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;color: #ffffff;\" onmouseleave=\"this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#124680';\" href=\"https:\/\/www.arffinancial.com\/development\/webinar-library\" target=\"_blank\">VIEW OTHER PAST WEBINARS<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1718823969839{margin-right: 2% !important;margin-bottom: 0px !important;margin-left: 2% !important;}&#8221;][vc_column][vc_empty_space height=&#8221;36px&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750940483458{margin-top: -14px !important;margin-bottom: 12px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 43px; font-weight: 900; color: #124680; line-height: 48px;\">WHO IS STELLA?<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 31px; color: #00659e; line-height: 33px;\">Your AI-Powered Application Assistant<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;3px&#8221;][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_1750899854864{margin-top: 16px !important;margin-bottom: 10px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css=&#8221;.vc_custom_1749862293499{padding-right: 30px !important;padding-left: 30px !important;}&#8221;]<\/p>\n<p style=\"font-weight: 400; text-align: center;\">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.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_row_inner css=&#8221;.vc_custom_1635863110196{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1751030399653{margin-top: 0px !important;margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750189690530{margin-top: -14px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 36px; font-weight: 900; color: #124680; line-height: 46px;\"><b>How Stella Works<\/b><\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1750883125173{padding-right: 30px !important;padding-left: 30px !important;}&#8221;]<\/p>\n<p style=\"font-weight: 400; text-align: center;\">Stella simplifies front-end loan submissions by instantly evaluating applications using ARF\u2019s underwriting criteria. Available 24\/7, Stella responds within 60 seconds, helping you manage high volume deal flow anytime anywhere.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1751027426809{padding-right: 30px !important;padding-left: 30px !important;}&#8221;]<\/p>\n<div style=\"font-weight: 400; text-align: center; font-size: 21px; line-height: 29px; color: #124680;\">To get started, simply submit the necessary documents listed below via email to <a style=\"color: #29abe2;\" href=\"mailto:stella@arffinancial.com\">stella@arffinancial.com<\/a>.<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750904631057{margin-bottom: 0px !important;padding-top: 10px !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1751379483350{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#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-circle 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\">&#xf00c;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf00c;<\/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=\"color: #124680; font-size: 24px; font-weight: 600;\">Attach a completed loan application signed by the business owner(s).<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;8px&#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-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\">&#xf00c;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf00c;<\/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=\"color: #124680; font-size: 24px; font-weight: 600;\">Attach the most recent 3 months of business bank statements.<\/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; gap=&#8221;30&#8243; css=&#8221;.vc_custom_1750948232362{margin-top: -15px !important;padding-right: 28px !important;padding-left: 28px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1750947308198{margin-top: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1751028118246{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1750947323628{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"font-weight: 400; text-align: center; font-size: 21px; line-height: 29px; color: #124680;\">Once submitted, Stella will review your submission based on ARF\u2019s preliminary underwriting criteria and return one of the following responses via email:<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row gap=&#8221;20&#8243; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1751416121422{margin-top: 0px !important;margin-right: 5% !important;margin-bottom: 0px !important;margin-left: 5% !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1751031919739{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 16px !important;padding-right: 24px !important;padding-bottom: 16px !important;padding-left: 24px !important;background-color: #f2f2f2 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !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;52780&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221;][vc_column_text]<\/p>\n<p style=\"font-weight: 400; text-align: center;\">If the deal is viable, you will receive an email stating: &#8220;Based on the information submitted, this file appears to meet our minimum program requirements for underwriting review.&#8221;<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1751031593283{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 16px !important;padding-right: 24px !important;padding-bottom: 16px !important;padding-left: 24px !important;background-color: #f2f2f2 !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: 15px !important;}&#8221;][vc_single_image image=&#8221;52781&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221;][vc_column_text]<\/p>\n<p style=\"font-weight: 400; text-align: center;\">If the deal is viable, you will receive an email stating: &#8220;Based on the information submitted, this file does not appears to meet our minimum program requirements for underwriting review.&#8221; The reason for this decision will be included.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1751030462981{margin-top: -20px !important;margin-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;6px&#8221;][vc_column_text css=&#8221;.vc_custom_1750956443891{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"font-weight: 400; text-align: center; font-size: 21px; line-height: 29px; color: #124680;\">Stella reduces repetitive administrative tasks, so you can focus on client relationships and new opportunities.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1751415871494{margin-top: 0px !important;padding-right: 16px !important;padding-left: 16px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 12px; line-height: 16px;\">*Referral Partners must have a compliant validated Referral Partner agreement before submitting deals to the Stella Application Portal. All Referrals through Stella are subject to the Referral Partner Agreement <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/rp-terms-and-conditions\">Terms and Conditions<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1750905032506{margin-bottom: 0px !important;}&#8221;][vc_column css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1750201690094{margin-top: 36px !important;margin-bottom: 36px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 25px !important;padding-right: 45px !important;padding-bottom: 25px !important;padding-left: 45px !important;background-color: rgba(0,101,158,0.07) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border-left-color: rgba(0,101,158,0.3) !important;border-left-style: solid !important;border-right-color: rgba(0,101,158,0.3) !important;border-right-style: solid !important;border-top-color: rgba(0,101,158,0.3) !important;border-top-style: solid !important;border-bottom-color: rgba(0,101,158,0.3) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1750097420178{margin-top: 0px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center; color: #124680;\">Compliant Loan Application Form<\/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_1719929460539{margin-top: 8px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1751032065370{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"font-weight: 400; text-align: center;\">Please contact your assigned Loan Consultant if you are uncertain whether your loan application meets the legal requirements for submission to Stella. We will review the legal language and inform you of any necessary revisions. Alternatively, you can access our current compliant loan application via the link below, available for white-label use. This version is fully editable, allowing you to incorporate your company information.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;29504&#8243; img_size=&#8221;105&#215;105&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/06\/ARF-Stella-UMCA.pdf&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1651334575465{margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;padding-top: 2% !important;background-image: 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;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1750883701213{margin-top: -14px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 36px; font-weight: 900; color: #124680; line-height: 46px;\"><b>Benefits of Using Stella<\/b><\/div>\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;8px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;30&#8243; css=&#8221;.vc_custom_1657803206162{margin-right: 4% !important;margin-left: 4% !important;padding-right: 28px !important;padding-left: 28px !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651336002032{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: 30px !important;padding-left: 30px !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;48242&#8243; img_size=&#8221;95&#215;95&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1750958717232{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Save Time<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1750957636249{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 23px;\">No more manual prescreening! Submit applications as they come in. Stella will handle the preliminary review.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651335263721{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;48242&#8243; img_size=&#8221;95&#215;95&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1750958702463{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Improve Efficiency<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1750957792715{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 23px;\">Stella reduces repetitive administrative tasks and allows you time to prospect for more business.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651335401844{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;48242&#8243; img_size=&#8221;95&#215;95&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1750958636569{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Accelerate Speed to Funding<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1750957892728{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 23px;\">Real-time feedback means you can move quickly to gather any needed documentation and keep deals moving.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651335373754{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;48242&#8243; img_size=&#8221;95&#215;95&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1750958729450{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Always Available<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1750958393814{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 23px;\">Stella is available day or night, weekday or weekend with no cap on how many files you submit.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1750884959853{background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,101,158) !important;border: 1px solid #cccccc !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;48242&#8243; img_size=&#8221;95&#215;95&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1750958747569{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Secure and Reliable<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1750958437855{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 23px;\">Stella was designed with data security and compliance in mind, your submissions are protected every step of the way.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;28px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;19px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1750202227197{margin-bottom: 0px !important;background-color: #124680 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1751394847921{margin-top: -12px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 32px; letter-spacing: 5px;\">YOU CAN EARN AN EXTRA BONUS!<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1745855950473{margin-top: 0px !important;margin-bottom: 0px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2024\/06\/GalaxyBackground.jpg?id=50202) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1512077903050{padding-top: -35px !important;}&#8221;][vc_row_inner content_placement=&#8221;top&#8221; gap=&#8221;5&#8243;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1750261851429{padding-top: 24px !important;}&#8221;][vc_single_image image=&#8221;52782&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221; css=&#8221;.vc_custom_1751416166975{padding-top: 16px !important;padding-bottom: 16px !important;padding-left: 16px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1515439988120{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<div style=\"color: #00ccff; font-size: 35px; line-height: 45px; font-weight: bold;\">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 css=&#8221;.vc_custom_1754061056698{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"color: #ffffff; font-size: 21px; line-height: 29px;\">Referral Partners who submit their deals through Stella will earn a 1% bonus on all first draws funded BY August 15th 2025. No cap. Just submit and fund!<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1754061114406{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: left; font-size: 13px; line-height: 19px; color: #ffffff;\">*The August Referral Bonus Powered by Stella is valid only for referral partners registered with ARF Financial who have entered into a Referral Partner Membership Agreement which has been validated. All fees and compensation due for any Referral are subject to the terms of the Referral Partner Membership Agreement including the <a style=\"color: #00ccff;\" href=\"https:\/\/www.arffinancial.com\/development\/rp-terms-and-conditions\/\">Terms and Conditions<\/a>. 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 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. This offer is void where prohibited.<\/div>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1750998894609{margin-bottom: 0px !important;background-color: #124680 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1751394890158{margin-top: -14px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 32px; letter-spacing: 5px;\">YOUR CLIENTS CAN ALSO RECEIVE BIG REWARDS<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1745855950473{margin-top: 0px !important;margin-bottom: 0px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2024\/06\/GalaxyBackground.jpg?id=50202) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1512077903050{padding-top: -35px !important;}&#8221;][vc_row_inner content_placement=&#8221;top&#8221; gap=&#8221;5&#8243;][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;47121&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInUp&#8221; css=&#8221;.vc_custom_1751416192788{padding-top: 16px !important;padding-bottom: 16px !important;padding-left: 16px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1515439988120{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<div style=\"color: #00ccff; font-size: 35px; line-height: 45px; font-weight: bold;\">An Interstellar Promotion for the Stella Launch<\/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 css=&#8221;.vc_custom_1754061135839{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"color: #ffffff; font-size: 21px; line-height: 29px;\">For Stella&#8217;s epic launch, the following promotion will be available during August: Your clients will receive a $500 Amex Gift Card for every $50,000 funded up to a maximum of $1,000!*<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1754061175605{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: left; font-size: 13px; line-height: 19px; color: #ffffff;\">*To qualify, new and existing clients based upon their first draw amount, existing TLRP or IO-TLRP clients that draw $50,000 or more, refinance clients that draw cash out of $50,000 or more excluding their EPO. Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant\u2019s approval under ARF Financials\u2019 standard underwriting models and policies. Merchant\u2019s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 08\/31\/2025. ARF reserves the right to terminate the offer at any time. Expires 08\/31\/2025.<\/div>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1653760632763{margin-bottom: 0px !important;padding-bottom: 30px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/light-hundreds-bkg.jpg?id=42619) !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<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">New Loan Products for Stella Launch<\/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 height=&#8221;22px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;35&#8243;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1751158126932{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(255,255,255,0.5) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #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;16px&#8221;][vc_single_image image=&#8221;52795&#8243; img_size=&#8221;350&#215;209&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][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_1751156969158{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Give you clients the freedom to grow, and yourself the power to earn more with our newly enhanced Independence Bankroll Revolving Line of Credit. It is designed to support your clients with flexible access to capital right when they need it most, featuring 8 weeks of interest-only payments \u2013 a built in cushion, lowering payments by 67%.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebad119 .gem-button svg {fill: #ffffff;}.thegem-button-69e167aebad119 .gem-button:hover svg {fill: #124680;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebad119    \"  ><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;color: #ffffff;\" onmouseleave=\"this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#124680';\" href=\"https:\/\/www.arffinancial.com\/development\/rp-independence-bankroll\/\" target=\"_blank\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1751158116629{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(255,255,255,0.5) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #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;20px&#8221;][vc_single_image image=&#8221;52794&#8243; img_size=&#8221;480&#215;142&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][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_1751156477310{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Due to new SBA restrictions that prohibit using loan proceeds to refinance or consolidate existing merchant cash advances (MCAs), ARF Financial has introduced the OnRamp IO-Revolver\u2014a strategic alternative offering larger loan amounts, longer terms, and a one-year interest-only period. It delivers fast access to working capital with manageable payments, giving business owners the time, flexibility, and funding they need to move forward.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;6px&#8221;]<style type=\"text\/css\">.thegem-button-69e167aebadac8842 .gem-button svg {fill: #ffffff;}.thegem-button-69e167aebadac8842 .gem-button:hover svg {fill: #124680;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebadac8842    \"  ><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;color: #ffffff;\" onmouseleave=\"this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#124680';\" href=\"https:\/\/www.arffinancial.com\/development\/onramp-revolver\" target=\"_blank\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1750201766663{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #124680 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1718802165126{margin-top: 0px !important;}&#8221;][vc_column_text css_animation=&#8221;rotateIn&#8221; css=&#8221;.vc_custom_1750098319574{margin-top: -14px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #ffffff; font-size: 40px; font-weight: bold; line-height: 44px;\">STELLA&#8217;S KEY FEATURES<\/div>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1719929361176{margin-top: -20px !important;}&#8221;][vc_column][vc_empty_space height=&#8221;20px&#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\">&#xe033;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe033;<\/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=\"color: #00659e; font-size: 21px; font-weight: 600;\"><strong>Quick Front-End File Review:<\/strong> <span style=\"color: #333333; font-size: 17px; line-height: 23px;\">Designed to streamline the review process, Stella quickly and efficiently analyzes loan files, saving valuable time and ensuring accuracy. With an intuitive interface and real-time feedback, Stella enhances decision-making and empowers you to focus on delivering exceptional service to your clients.<\/span><\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;12px&#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\">&#xe033;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe033;<\/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=\"color: #00659e; font-size: 21px; font-weight: 600;\"><strong>Improved Speed to Funding:<\/strong> <span style=\"color: #333333; font-size: 17px; line-height: 23px;\">Stella&#8217;s instant insights allow referral partners to work efficiently with their clients on what is needed to move the loan forward through the underwriting process ensuring the best possible outcomes.<\/span><\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;12px&#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\">&#xe033;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe033;<\/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=\"color: #00659e; font-size: 21px; font-weight: 600;\"><strong>Customized Loan Products:<\/strong> <span style=\"color: #333333; font-size: 17px; line-height: 23px;\">With Stella&#8217;s viability insights, Referral Partners can access ARF Financial\u2019s tailored loans and lines of credit to better serve their clients. Recognizing that no two clients are the same, even within the same industry, ARF Financial offers customized financing solutions designed to meet their diverse needs. These personalized options empower Referral Partners to support merchant success effectively while fostering lasting and strong client relationships.<\/span><\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;12px&#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\">&#xe033;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe033;<\/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=\"color: #00659e; font-size: 21px; font-weight: 600;\"><strong>Secure and Flexible:<\/strong> <span style=\"color: #333333; font-size: 17px; line-height: 23px;\">Data privacy and security are at Stella&#8217;s core, ensuring partners can trust the submission process.<\/span><\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;12px&#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\">&#xe033;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe033;<\/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=\"color: #00659e; font-size: 21px; font-weight: 600;\"><strong>Continuous Improvements:<\/strong> <span style=\"color: #333333; font-size: 17px; line-height: 23px;\">Staying ahead of industry trends and constantly improving the technology, Stella is committed to providing the best possible service to our Referral Partners. Regular updates and enhancements ensure that Referral Partners have access to the latest technology for a smooth loan submission process.\u00a0<\/span><\/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_1751415871494{margin-top: 0px !important;padding-right: 16px !important;padding-left: 16px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 12px; line-height: 16px;\">*Referral Partners must have a compliant validated Referral Partner agreement before submitting deals to the Stella Application Portal. All Referrals through Stella are subject to the Referral Partner Agreement <a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/rp-terms-and-conditions\">Terms and Conditions<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1718803825261{margin-bottom: 0px !important;background-color: #e1ecf8 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1654198121481{margin-bottom: 0px !important;padding-top: 6px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1745859534456{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center; color: #124680;\">Star-Powered Commissions<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1735841899311{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Take advantage of Loan Stars increased earning power with our 8% commissions on initial fundings, residuals and refinances!<\/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;][vc_column_text css=&#8221;.vc_custom_1735841856088{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; color: #124680; font-size: 12px; line-height: 16px;\">*Referral Partner Commissions are 4% upfront and 4% over 12 months on initial fundings and residual fundings (revolving line of credit draws and refinances). For a draw amount (or portion there of) to be eligible, it must increase the outstanding loan balance above the initial loan (draw) amount.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;40&#8243; accent_color=&#8221;#999999&#8243; css=&#8221;.vc_custom_1718826198174{margin-top: 8px !important;margin-bottom: 24px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1654198121481{margin-bottom: 0px !important;padding-top: 6px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text css=&#8221;.vc_custom_1718826444121{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center; color: #124680;\">Skyrocketing Performance Bonuses<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1735842403538{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Performance bonuses will be calculated using eligible fundings beginning January 1st, 2025<\/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; css=&#8221;.vc_custom_1718824439448{margin-top: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1718826281610{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; color: #124680; font-size: 12px; line-height: 16px;\">*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.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb15e7621 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb15e7621 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb15e7621     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 title=\"Loan Stars Form\" 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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_blank\">SIGN ME UP<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1737330395032{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}&#8221;]<\/p>\n<h4 style=\"text-align: center; color: #124680;\"><a style=\"text-decoration: underline;\" href=\"https:\/\/www.arffinancial.com\/development\/rp-terms-and-conditions\">Click Here for 2025 Loan Stars Terms and Conditions<\/a><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;6px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1650654591740{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\/2019\/01\/broker_program_background.jpg?id=31350) !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\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Not Yet A Loan Star?<br \/>\nComplete the Form Below to Get Started<\/span><\/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;\"><span style=\"color: #ffffff;\">By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant long-term income! Fill out the form below to get started.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243; css=&#8221;.vc_custom_1650654611209{padding-top: 2% !important;padding-right: 4% !important;padding-bottom: 0px !important;padding-left: 4% !important;background-color: rgba(255,255,255,0.56) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(255,255,255) !important;border-radius: 10px !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebb1c6 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e167aebb1c6\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMmY2YmRlYmU3LTg5YmEtNGFlZS04ODQ5LWU4NmFkYzY3MjY5MCUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1719498456440{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\/2018\/07\/arf-iso-brokers-agents-page-image-navy-background-1920&#215;584.jpg?id=28601) !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;\"><span style=\"color: #ffffff; font-size: 33px; line-height: 40px; font-weight: bold;\">Complete the Form Below and You Can Sell Our Products!<\/span><\/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;\"><span style=\"color: #ffffff;\">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.<\/span><\/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\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243; css=&#8221;.vc_custom_1662508418597{padding-top: 2% !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: rgba(255,255,255,0.6) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(255,255,255) !important;border-radius: 10px !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebb1fc {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e167aebb1fc\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMmY2YmRlYmU3LTg5YmEtNGFlZS04ODQ5LWU4NmFkYzY3MjY5MCUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1719929620773{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 9px !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=&#8221;.vc_custom_1656769389174{margin-top: 0px !important;margin-right: 10% !important;margin-bottom: 0px !important;margin-left: 10% !important;padding-bottom: 20px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 23px; color: #ffffff; line-height: 23px; font-weight: 500;\">When considering which business lender to partner with, it\u2019s important to compare loan size and repayment term because\u2026<\/div>\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_1656768847930{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 20px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/06\/cash-background-faded-bw.jpg?id=43249) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1512077903050{padding-top: -35px !important;}&#8221;][vc_column_text css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1656774812220{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 16px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 60px; font-weight: 900; color: #124680; line-height: 65px;\">Size Matters!<\/div>\n<p>[\/vc_column_text][vc_row_inner content_placement=&#8221;top&#8221; gap=&#8221;10&#8243; css=&#8221;.vc_custom_1651621089203{margin-top: 0px !important;margin-right: 5% !important;margin-bottom: 0px !important;margin-left: 5% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1515439988120{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1651621139456{margin-top: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651621376793{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#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;10px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial provides loan amounts over six times larger and repayment terms more than three times longer 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;6px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1646077399176{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][\/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\/4&#8243;][vc_single_image image=&#8221;40577&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1705674923378{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40578&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1648840572171{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][\/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;]<style type=\"text\/css\">.thegem-button-69e167aebb2a28745 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb2a28745 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb2a28745     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 title=\"Loan Stars Form\" 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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_blank\">SIGN ME UP<\/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\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1548420603922{margin-bottom: 0px !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1654192017409{padding-top: 8% !important;padding-right: 8% !important;padding-bottom: 8% !important;padding-left: 8% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_text]<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]If you have questions related to our new star-powered commission tiers, skyrocketing performance bonuses, recruiting bonuses or overrides from downstream partners, we&#8217;ve assembled the answers to some of the most frequently asked here.[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb3882535 .gem-button svg {fill: #00659e;}.thegem-button-69e167aebb3882535 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167aebb3882535    \"  ><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: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/rp-membership-faqs\/\" target=\"_self\">Frequently Asked Questions<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1631023044798{background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/09\/FAQs.jpg?id=39242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebb3e2 {margin-top: 300px !important;}#thegem-divider-69e167aebb3e2 {margin-bottom: 300px !important;}<\/style><div id=\"thegem-divider-69e167aebb3e2\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1548421631112{margin-bottom: 0px !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1548420645185{background-color: #f1f1f1 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1548420654998{background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-about-us-image-woman-on-laptop-960&#215;643.jpg?id=26156) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebb40a {margin-top: 300px !important;}#thegem-divider-69e167aebb40a {margin-bottom: 300px !important;}<\/style><div id=\"thegem-divider-69e167aebb40a\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1656190823100{padding-top: 8% !important;padding-right: 8% !important;padding-bottom: 6% !important;padding-left: 8% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Ongoing Training Webinars<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]To ensure we are providing our brokers and referral partners, new and veterans, with the proper training they need to be successful in our program, we are hosting biweekly training webinars for anyone who would like to learn more about our program and get all the latest updates to our lending criteria. We are also hosting monthly, topical breakout sessions to assist veteran partners with additional product information, prospecting tips and ways to fill their pipeline.[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;padding-bottom: 9px;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]<span style=\"font-size: 19px; font-weight: 600; color: #00659e;\">Training webinars will be held the first and third Tuesday of every month 11:00am ET.<\/span>[\/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-bottom: 9px;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]<span style=\"font-size: 19px; font-weight: 600; color: #00659e;\">Topical webinars will be held monthly on the second Tuesday of every month at 11:00am ET.<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 9px;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]<span style=\"font-size: 19px; font-weight: 600; color: #00659e;\">To attend any of our upcoming webinars, use the link below to register.<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><style type=\"text\/css\">.thegem-button-69e167aebb64b4891 .gem-button svg {fill: #124680;}.thegem-button-69e167aebb64b4891 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167aebb64b4891    \"  ><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: #124680;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#124680';\" onmouseenter=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/webinar-schedule\" target=\"_blank\">Register for a Webinar<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;appear&#8221; css=&#8221;.vc_custom_1651234251926{margin-bottom: 0px !important;background: rgba(255,255,255,0.27) 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(255,255,255) !important;}&#8221;][vc_column]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebb689 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e167aebb689\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Partnership Has Its Rewards<\/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;15px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;25&#8243; css=&#8221;.vc_custom_1657803984801{margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1676080843757{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 25px !important;padding-right: 25px !important;padding-bottom: 15px !important;padding-left: 25px !important;background-color: rgba(0,0,0,0.07) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !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_single_image image=&#8221;41054&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Partnership Re-imagined<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1720534143474{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 16px; line-height: 23px;\">At ARF Financial, we consider referral partners to be one of our most valuable assets, and in our commitment to ongoing program enhancements, we&#8217;ve launched our brightest referral rewards program yet \u2013 LOAN STARS. No Memberships. No Fees. Just a Galaxy of Rewards! As a Loan Star you&#8217;ll have access to higher commissions, higher residuals, more performance bonuses, and the ability to recruit your own network to earn overrides and on downstream fundings.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb7555474 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb7555474 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb7555474    \"  ><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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_self\">I&#039;M READY TO JOIN<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1676080859066{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 25px !important;padding-right: 25px !important;padding-bottom: 15px !important;padding-left: 25px !important;background-color: rgba(0,0,0,0.07) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !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_single_image image=&#8221;37530&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Better Loan Products<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1720533878240{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 16px; line-height: 23px;\">Why become a partner? For starters, to gain access to our industry-leading loan products. Our revolving lines of credit are ideal for your clients and even have an interest-only component. Plus, our average loan size is six times larger with terms over 3 times longer than a merchant cash advance! Larger loan amounts and longer terms mean higher commissions for you, and affordable payments for your clients.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb8027299 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb8027299 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb8027299    \"  ><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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_self\">I&#039;M READY TO JOIN<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1676080867290{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 25px !important;padding-right: 25px !important;padding-bottom: 15px !important;padding-left: 25px !important;background-color: rgba(0,0,0,0.07) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !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_single_image image=&#8221;38206&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Higher Commissions<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1735842596064{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 16px; line-height: 23px;\">The program doesn\u2019t stop there. You can earn an industry-leading 8% commission on your referrals that fund. Unlike other programs that might have hidden fees, our straightforward and transparent commission structure ensures you receive the maximum earnings. Every loan that successfully funds translates to significant profit, making your partnership with us even more rewarding.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb8893834 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb8893834 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb8893834    \"  ><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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_self\">I&#039;M READY TO JOIN<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1676080876302{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 25px !important;padding-right: 25px !important;padding-bottom: 15px !important;padding-left: 25px !important;background-color: rgba(0,0,0,0.07) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !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_single_image image=&#8221;37590&#8243; img_size=&#8221;180&#215;180&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Capital Connections<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1719517905414{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 16px; line-height: 23px;\">Capital Connections is the go-to resource for our dedicated Referral Partners. From the latest promotions and webinar schedules to exciting contests and invaluable prospecting tips, Capital Connections covers it all. Discover new products, understand underwriting changes, and learn from success stories shared by fellow partners. Capital Connections also keeps you updated on critical industry news, including regulatory changes and how we\u2019re adapting to them.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167aebb8fe5177 .gem-button svg {fill: #174888;}.thegem-button-69e167aebb8fe5177 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167aebb8fe5177    \"  ><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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/capital-connections\/\" target=\"_self\">CONNECT HERE<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1651234262579{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1656774763217{padding-top: 8% !important;padding-right: 10% !important;padding-bottom: 8% !important;padding-left: 10% !important;background-color: #e2ebf2 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Loan Program Advantages<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1654193693137{margin-bottom: 26px !important;}&#8221;][vc_column_text]ARF\u2008Financial is a California licensed lender that has forged relationships with banks around the country that are committed to work with your clients so they can acquire a bank loan fast, without endless paperwork. That means the interest is tax deductible, rates are fixed, and the terms are transparent. Your clients receive the financing they need fast, with affordable payments that won\u2019t increase as revenue grows.[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Loan amounts from $5,000 to $1,500,000<\/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-small\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">No tax returns or financials required on loans amounts up to $500,000<\/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-small disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Repayment terms up to 36 months with low, fixed payments<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Preliminary approvals in 24 hours and fundings in under a 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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Revolving lines of credit with unlimited draws for up to a 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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Unlimited partial principal paydowns for up to a 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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 9px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">The interest your clients pay is tax deductible<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-69e167aebbcd45222 .gem-button svg {fill: #174888;}.thegem-button-69e167aebbcd45222 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167aebbcd45222    \"  ><a title=\"Loan Stars Form\" 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: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_blank\">SIGN ME UP<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1548418212789{background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/03\/arf-blogheaders-featuredimage-march-3.jpg?id=27183) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebbd05 {margin-top: 300px !important;}#thegem-divider-69e167aebbd05 {margin-bottom: 300px !important;}<\/style><div id=\"thegem-divider-69e167aebbd05\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1548421631112{margin-bottom: 0px !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1548420645185{background-color: #f1f1f1 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1548420654998{background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-about-us-image-woman-on-laptop-960&#215;643.jpg?id=26156) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e167aebbd21 {margin-top: 300px !important;}#thegem-divider-69e167aebbd21 {margin-bottom: 300px !important;}<\/style><div id=\"thegem-divider-69e167aebbd21\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1656191080990{padding-top: 8% !important;padding-right: 10% !important;padding-bottom: 8% !important;padding-left: 10% !important;background-color: #e2ebf2 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Business Types We Lend To<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here to see the full list<\/a><\/p>\n<p>[\/vc_column_text][vc_column_text]From restaurants to liquor stores, to doctors and manufacturers, ARF Financial&#8217;s unique loan products help keep a wide variety of businesses growing and profitable. Here are a few of the many business types we can help:[\/vc_column_text]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Restaurants, Bars, Caterers, Bakeries, Specialty Food, Liquor Stores<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Doctors, Dentists, Psychiatrists, Psychologists, Chiropractors, Veterinarians<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Drug Stores, Pharmacies, Grocery Stores, Hardware Stores, Pet Stores &amp; Grooming<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Barber Shops, Hair Salons, Nail Salons, Spas<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Automotive Repair Shops, Auto Service Centers, Body Shops<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 5px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Wholesale and Manufacturing<\/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 disable-mobile-centered\" ><div style=\"margin-bottom:0px;padding-bottom: 9px;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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Many other retail establishments<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-69e167aebc0999843 .gem-button svg {fill: #124680;}.thegem-button-69e167aebc0999843 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167aebc0999843    \"  ><a title=\"Loan Stars Form\" 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: #124680;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#124680';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loan-stars-form\/\" target=\"_blank\">SIGN ME UP<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][\/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_1651334575465{margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;padding-top: 2% !important;background-image: 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;}&#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;18px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;30&#8243; css=&#8221;.vc_custom_1657803206162{margin-right: 4% !important;margin-left: 4% !important;padding-right: 28px !important;padding-left: 28px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651336002032{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: 30px !important;padding-left: 30px !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;44403&#8243; img_size=&#8221;135&#215;135&#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_1656767461447{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We lend to more than just restaurants. We have expanded to include many more approved industries. <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 height=&#8221;43px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651335263721{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;135&#215;135&#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_1751416027264{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your clients don&#8217;t need perfect credit to qualify. Applicants with an Equifax credit score of 575 or higher are acceptable.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;43px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651335401844{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;135&#215;135&#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 height=&#8221;43px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651335373754{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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;44319&#8243; img_size=&#8221;135&#215;135&#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_1651337181679{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;43px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1750854869764{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-52370","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Stella AI Loan Assistant - ARF Financial<\/title>\n<meta name=\"description\" content=\"Brokers Agents Independent Sales Organizations, Brokers and Agents: ARF Financial would like to invite you to join our Broker Referral Program. 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