Karen Coleman- New England Loan Consultant

Karen Coleman

My name is Karen Coleman, Vice President and Senior Loan Consultant for ARF Financial servicing the New England area. I have over 16 years experience providing local restaurants and small businesses with quick access to the right loan products to help them grow and increase profits. Contact me today by filling out the form below to find out how a Referral Partnership can be mutually beneficial!


Program Overview

Referral Agreement


Personalization Form



You Can Sell Our Products!

Membership Programs

The new Referral Partner Membership Program benefits you, the Referral Partner as much as it benefits ARF Financial. It is designed to represent our long term commitment to building connected, long-lasting beneficial relationships with our Referral Partners. See comparison chart below for the three tiers.

Membership has its Rewards

We are proud to offer two paid and one non-paid membership program for your consideration:

CEO Circle – Paid Plan:

By joining this membership program you will receive the highest up-front and residual commissions, the highest level of Circle of Influence Network Fees and Overrides and the highest level of monthly leads and marketing. Learn more…

Leadership Circle – Paid Plan:

By joining this membership program you will receive the next highest level of up-front and residual commissions, receive the next highest level of Circle of Influence Network Fees and Overrides and receive the next highest level of monthly leads and marketing. Learn more…

Founding Circle – Non-Paid Plan:

By joining this membership program you will receive the lowest level of up-front and residual commissions. No Circle of Influence Network Fees and Overrides are offered at this level and no marketing is provided. Learn more…

For too long referral partner programs focused on a simple exchange of a commission for a referral without regard to the long-term success of either the lender or the referral partner. Envision a new time, a new path forward, where a circle of membership benefits are so strong, so mutually beneficial, and the revenue opportunity so big, you simply can’t pass it up!

Terms and Conditions do apply. Still have questions? Take a look at our comprehensive list of Frequently Asked Questions.

Contact me at (617) 959-6584, email me, or or fill out the form on the left to start earning up to 6% for every qualified referral that you provide.

Continuous Revenue Stream

We will pay up to 6% referral fee, based upon the principal amount of the initial new merchant loan and the “cash out” portion of all additional advances, including line of credit draws, renewals, or re-financings that are made for a period of 3 years from the date of the initial loan. Here’s an example of the income opportunity:

Rewards Earning Table

*Based on choosing CEO Circle Membership and average loan amount per funding of $90,000


For over 20 years, ARF Financial has helped thousands of business owners capitalize on their potential – and we can do it fast. Our quick loan approval process means they can obtain a working capital loan, line of credit, or bridge loan in a matter of days without the need for collateral.

We have built relationships with banks around the country so our clients can acquire a bank loan fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and the terms are spelled out ahead of time. Our clients get the financing they need rapidly, with affordable payments that won’t increase as revenue grows. In fact, we’ve helped thousands of merchants obtain approvals on more than 18,000 loans with proceeds in excess of $1 billion dollars.

Use our Business Loan Calculator to Find Out How Much Your Client Qualifies For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy


ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.