*To qualify for the 1% July Referral Bonus powered by Stella, referral partner must have a validated Loan Stars agreement. All fees and compensation due for any Referral are subject to the terms of the Loan Stars Referral Partner Agreement including the Terms and Conditions (here-this would hyperlink to the updated Terms and Conditions). To qualify for the 1% bonus, deals must be submitted via the Stella Email Portal (stella@arffinancial.com) and conform to the requirements of the Stella Program Parameters as set forth in the Terms (e.g. the Referral shall attach a pdf copy of the client’s completed application along with the three most recent bank statements and be processed by the Stella AI Assistant and provide valid authorization by the client to share the application and supporting documents with ARF). The Referral must also result in a funded first draw between July 1 and July 31, 2025. The July 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.