WE’RE SERVING AN EXTRA HELPING OF
INTEREST-ONLY PAYMENTS!
The W-2 Requirement Is Also Off The Table!
Business owners have a lot on their plates. Holiday inventory, staffing, slower receivables, and plans for the new year can all put pressure on cash flow. ARF Financial is bringing more to the table with payment flexibility that helps business owners plan ahead.
Elevate 12 increases the available interest-only payment weeks from eight to twelve, giving business owners more choices about when to defer regular amortizing payments. During those weeks, they pay interest while postponing payments toward the amount borrowed.
- Up to eight weeks may be used during the first 26 weeks or saved for later in the loan term.
- Four additional weeks become available after week 26.
- Interest remains payable during interest-only weeks.
- EVERY APPROVED CLIENT QUALIFIES!
Contact your assigned Loan Consultant to discuss or submit your deals through Stella to see if your clients qualify for Elevate 12!
Contact your assigned Loan Consultant to discuss or submit your deals through Stella
to see if your clients qualify for Elevate 12!
*To qualify for the Elevate Bankroll Revolving Line of Credit, must be a new merchant/guarantor (out of the program for 120 days or more). The 8 weeks of interest-only payments can be used once for an 8-week period or twice for a 4-week period, anytime during the term of the loan with a minimum notification of 10 business days. The additional 4 weeks of interest-only payments become available after week 26. Additional finance charges apply. Merchant may not draw or pay down during the interest-only period(s). ARF reserves the right to terminate this product at any time. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure merchant’s creditworthiness has not materially changed since the original loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded.Elevate provides eligible borrowers with optional interest-only payment weeks and is subject to eligibility requirements and the terms and conditions of the applicable financing documents. An additional 1% closing fee applies when Elevate is included. Using Elevate defers regular amortizing payments, extends the loan term, and increases the total financing cost.Offer ends December 31, 2026.
The W-2 Requirement Is Off The Menu!
The W-2 requirement is waived for approved industries through year-end.
Through December 31, 2026, ARF Financial is waiving the W-2 requirement for approved industries. That means one less document to provide as business owners explore financing for their business. Reconnect with clients whose financing conversations stalled over this requirement. Other documentation and underwriting requirements still apply.
Elevate 12 is available for refinancing as well as new financing opportunities. Revisit past deals and talk with your ARF representative about clients who could benefit from added payment flexibility.
Contact your assigned Loan Consultant to discuss or submit your deals through Stella
to see if your clients qualify for Elevate 12!
Start your next client conversation with a few practical questions:
What expenses will arrive before your next busy period?
Are customers taking longer to pay?
What inventory, staffing, or equipment needs are coming up?
What would more payment flexibility help you plan for?
A timely conversation can help you identify financing needs before they become urgent.
Finish Strong. Start Ready.
Help your clients prepare for year-end and the opportunities ahead. Contact your assigned ARF Financial Loan Consultant to discuss Elevate 12 for a new financing request or refinancing opportunity.
Plumbers provide essential services that keep water systems functioning safely and efficiently in homes and businesses, addressing everything from leaks to major infrastructure issues. Because these problems often require immediate attention, plumbing services remain in constant demand regardless of economic conditions.
Electricians provide essential services that homes and businesses rely on regardless of economic conditions, making their work relatively resilient to economic downturns. They benefit from ongoing demand driven by system upgrades, and increasing reliance on electrical infrastructure such as EV charging and smart technologies.
HVAC contractors also provide essential heating and cooling services that homes and businesses cannot postpone for long, making their work relatively resilient even during economic uncertainty. They see steady demand from routine maintenance, and energy-efficiency upgrades that homeowners and businesses prioritize.
Star-Powered Commissions
Take advantage of Loan Stars increased earning power with our 8% commissions on initial fundings, residuals and refinances!
*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.
Skyrocketing Performance Bonuses
Performance bonuses will be calculated using eligible fundings beginning January 1st, 2026
*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.
Ready to Become A Star?
Complete the Form Below to Get Started
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.
Larger Loan Amounts, Longer Terms & Big Rewards
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:
Frequently Asked Questions
If you have questions related to our new star-powered commission tiers, skyrocketing performance bonuses, recruiting bonuses or overrides from downstream partners, we’ve assembled the answers to some of the most frequently asked here.
Ongoing Training Webinars
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.
Partnership Has Its Rewards
Partnership Re-imagined
At ARF Financial, we consider referral partners to be one of our most valuable assets, and in our commitment to ongoing program enhancements, we’ve launched our brightest referral rewards program yet – LOAN STARS. No Memberships. No Fees. Just a Galaxy of Rewards! As a Loan Star you’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.
Better Loan Products
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.
Higher Commissions
The program doesn’t 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.
Capital Connections
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’re adapting to them.
Loan Program Advantages
ARF Financial 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’t increase as revenue grows.
Business Types We Lend To
From restaurants to liquor stores, to doctors and manufacturers, ARF Financial’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:
Our Unique Loan Products
Interest-Only Bankroll Revolving Line of Credit
Exclusive new product just released: Think of it as Bankroll on steroids. This product works just like our current Bankroll Revolving Line of Credit with the added benefit of interest-only payments for up to a year! This amazing new product also pays 4% upfront and 4% over 12 months, just like our Bankroll Revolver.
Bankroll – Revolving Line of Credit
Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!
Minimum Qualifications
Industry Type
We lend to more than just restaurants. We have expanded to include many more approved industries. Click here to see the full list.
Credit Score
Your clients don’t need perfect credit to qualify. Applicants with an Equifax credit score of 575 or higher are acceptable.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.
Quick & Easy Way to Apply
If you have a client / business owner in need of working capital, simply have them complete our online application today. Every Partner receives a dedicated link to our online application for tracking purposes. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so their credit will not be affected. Clients may also speak to your assigned Loan Consultant who is knowledgeable about the market, which loan product is the right fit, and will work with you and your client throughout the process. You can also submit their application using Stella to determine if they meet the minimum qualifications.