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Opening a 5th Location
Referral Partner: Loan Broker who trained at CCTG – Commercial Capital Training Group

Merchant: Multi-unit restaurant owner

Merchant Location: Denver, CO

Cash needs: $300,000 to open a 5th location

About the referral: The referral partner has known the merchant for years and has done multiple mortgages for him.

Scenario: After a warm introduction from the referral partner, I discovered he needed $300K to open a 5th location. He had received an offer from a competitor for a short-term, low rate loan for $100K which would not meet his needs. I was able to get the merchant the $300K he needed at a longer term with a lower payment without disrupting his cash flow.

Loan Product Offered: 52 to 78-week Flex Pay Loan for $300K; The merchant initially accessed $200K via our Line of Credit option and soon after took the remaining $100K.

Days to Fund: 5 days

Funding Date: September, 2018

Referral Fee Paid: $9,000; and referral partner will also get paid on any additional loans funded to this merchant for 3 years!
SBA Success Story
Referral Partner: SBA Loan Broker

Merchant: Restaurant Owner

Merchant Location: Beverly Hills, CA

Cash Needs: $500,000

About the Referral: Merchant was working with broker for six months to secure SBA financing for construction of a new location.

Scenario: After 6 months of jumping through SBA hoops, the timeline for the new construction was fast approaching. We successfully funded this loan in less than a week with only 3 months of bank statements and minimal paperwork.

Loan Product Offered: 52 to 78- week Flex Pay Loan

Days to Fund: 4 days

Funding Date: October, 2019

Referral Fee Paid: $15,000
Best Rates Available For Franchises
Referral Partner: Franchise Loan Broker

Merchant: Multi-unit Restaurant Owner

Merchant Location: Raleigh, NC

Cash Needs: $160,000

About the referral: This referral partner was known to us and sent us many leads over a 6-month period.

Scenario: One of our RPs who worked with franchises was concerned about rates offered by alternative lenders. He was very well versed in the franchise space because he also personally owned a franchise. We successfully funded two franchises for this RP with highly competitive rates. He was so impressed with the available rates he applied for working capital for his own franchise.

Loan Product Offered: 39-78 week flex pay loan 50% deferred

Days to Fund: 9 days

Funding Date: June, 2019

Referral Fee Paid: $4,800; and referral partner will also get paid on any additional loans funded to this merchant for 3 years!
P.O.S. Provider Success Story
Referral Partner: Point of Sale System Provider

Merchant: Restaurant owner

Merchant Location: Boston, MA

Cash Needs: $40,000

About the Referral: POS Provider from networking group who reciprocally referred leads with our Rep.

Scenario: Our referral partner had a merchant who couldn't afford the point of sale system needed for their business. In speaking with the merchant, our Rep found out they also had renovations taking place at their restaurant. By actively learning about their business and assessing their needs, we funded this loan for more than what was originally requested.

Loan Product Offered: Line of credit for $40K

Days to Fund: 3 days

Funding Date: October, 2019

Referral Fee Paid: $1,200; The referral partner earned even more since the merchant has since requested additional funding.
Commercial Banking Success
Referral Partner: Commercial Banker

Merchant: Restaurant Owner

Merchant Location: Chicago, IL

Cash Needs: $200,000

About the Referral: Commercial banker with a client who needed to lower his monthly payments.

Scenario: As the #1 restaurant and hospitality lender, our RP understood that to lower his client's payments, he needed a team who understood the industry enough to take the risk. We successfully funded this loan, lowering his weekly payments as well as the additional cash needed for renovations.

Loan Product Offered: 52-week Mezzanine Loan

Days to Fund: 6 days

Funding Date: March 2019

Referral Fee Paid: $6,000; this RP has since earned $2,485 more from $82,859 additional funding to help pay taxes!
Successful Tax Relief
Referral Partner: Credit Card Processor

Merchant: Restaurant Owner

Merchant Location: St Simons, GA

Cash Needs: $60,000

About the Referral: Merchant shared with his credit card processing Rep that he was having trouble paying his business taxes, in part due to a messy divorce and buying out his wife's interest in the business.

Scenario: We successfully funded this loan in a week with only 3 months of bank statements and minimal paperwork.

Loan Product Offered: 52 week Mezzanine Loan

Days to Fund: 7 days

Funding Date: February, 2014

Referral Fee Paid: $1,800
Short Term Working Capital
Referral Partner: Loan Broker

Merchant: Dunkin Donuts Franchisee

Merchant Location: Multi-State

Cash Needs: $200,000

About the Referral: Original Loan -Merchant worked with broker in the past and needed some short term working capital as he didn’t want to restructure his long term debt facility for the additional short term capital need. He later refinanced for cash flow.

Scenario: We funded his loan within a week and released the additional funds in a line of credit and he recently renewed in January 2020.

Loan Product Offered: 52 week

Days to Fund: 4 days for the refinance and 5 hours for the Additional Advance from the Line of Credit

Funding Date: January 2019 and January 2020

Referral Fee Paid: $6,000 in 2019 and $6,000 in 2020
Purchasing New Equipment
Referral Partner: Accountant

Merchant: Brewery

Merchant Location: Brighton, MA

Cash Needs: $50,000

About the Referral: Funds needed for equipment for his client's new location.

Scenario: This merchant had been in business for a few years but had just opened up their new location and would not qualify for additional bank financing. Our loan gave them the opportunity to get the equipment needed. and They look forward to refinancing when the time comes to obtain additional financing to help them build a patio and continue to grow.

Loan Product Offered: Mezzanine Loan

Days to Fund: 4 days

Funding Date: December, 2019

Referral Fee Paid: $1,500

How many Deals the RP Funded: 1
Cash Flow Safety Net
Referral Partner: Loan Broker

Merchant: Restaurant

Merchant Location: Somerville, MA

Cash Needs: $283,239.15

About the Referral: Met this referral partner after working with them on a prior deal.

Scenario: Merchant was unable to get a bank loan approved. He wanted the line of credit to use as cash flow during slow season and as working capital for emergencies. He wanted the flexibility to pay off the loan at 39 weeks for cost savings.

Loan Product Offered: Line of Credit

Days to Fund: 4 days

Funding Date: January, 2020

Referral Fee Paid: $8,497.17

How many Deals the RP Funded: 2
Relocation Fund
Referral Partner: Credit Card Processor

Merchant: Automotive Repair

Merchant Location: Monroe, NC

Cash Needs: $45,000

About the Referral: Met this referral partner after working with them on a prior deal.

Scenario: Merchant needed to move when the city began road construction. The merchant was rate sensitive also wanted an early payoff option. The Flex Pay loan option allowed a comfortable weekly payment and an early pay off option.

Loan Product Offered: Flex Pay Loan

Days to Fund: 1 day

Funding Date: February, 2019

Referral Fee Paid: $1,350

How many Deals the RP Funded: 2
Debt Consolidation
Referral Partner: ISO

Merchant: Caterer

Merchant Location: Salt Lake City, UT

Cash Needs: $315,000

About the Referral: This referral partner had worked with us on prior deals.

Scenario: The Merchant needed to consolidate two line of credit balances from two competitors. They also wanted to pay off credit card balances and have remaining funds on hand as a line of credit. We successfully consolidated their balances with a mezzanine loan and offered a line of credit for future use.

Loan Product Offered: Line of Credit and Mezzanine Loan

Days to Fund: 3 days

Funding Date: December, 2019

Referral Fee Paid: $9,450

How many Deals the RP Funded: 1
Slow Season Help
Referral Partner: Bank

Merchant: Bakery

Merchant Location: Ocean Shores, WA

Cash Needs: $47,800

About the Referral: Our Rep connected with this RP via LinkedIn.

Scenario: The Merchant was experiencing slow season and needed financing for inventory and cash flow until busy season. They also had an expensive merchant cash advance with a high daily payment which was further depleting their cash flow during slow season.

Loan Product Offered: Flex Pay Loan

Days to Fund: 4 days

Funding Date: October, 2019

Referral Fee Paid: $1,434

How many Deals the RP Funded: 1
Slow Season Renovations
Referral Partner: Equipment Vendor

Merchant: Restaurant

Merchant Location: Tacoma, WA

Cash Needs: $10,000

About the Referral: Our Rep this RP during a visit to his equipment warehouse.

Scenario: This Merchant was located at a golf course. The rainy Washington winter creates a long slow season and they decided to complete much needed renovations during that time. We offered a mezzanine loan for the renovation costs which will allow lower payments during slow season and a line of credit for future needs.

Loan Product Offered: 52- week Mezzanine Loan and Line of Credit.

Days to Fund: 18 days

Funding Date: January, 2020

Referral Fee Paid: $300

How many Deals the RP Funded: 1
In-Person Success
Referral Partner: Loan Broker with hands-on merchant

Merchant: Multi-unit restaurant owner

Merchant Location: Chicago, Il

Cash needs: $300K for projects

About the referral: The referral partner has a close relationship with the merchant and was actively involved in all calls and meetings.

Scenario: This merchant insisted on being part of every call including in-person meetings with our Rep. They were concerned about who we were and who they would be doing business with. Our Rep successfully hosted both of them at lunch, easing any fears and concerns and impressing them with industry knowledge and best options. This loan funded for $300K less than one after that lunch meeting.

Loan Product Offered: 52 to 78-week Flex Pay Loan for $300K

Days to Fund: 4 days

Funding Date: January, 2020

Referral Fee Paid: $9,000; and referral partner will also get paid on any additional loans funded to this merchant for 3 years!
Successful Rescue Mission
Referral Partner: Merchant Payment Processing Rep

Merchant: Restaurant Owner

Merchant Location: Matthew, NC

Cash needs: $250,000

About the referral: Referral Partner looking for the best monthly payment to help with cash advances.

Scenario: Our RP had a merchant with a financial emergency who took out multiple merchant cash advances to cover the associated expenses. Our RP asked for help to lower their payments and free up their cash flows.

Loan Product Offered and terms: 62 to 93-week Flex Pay Loan

Days to Fund: 7 days

Funding Date: December, 2019

Referral Fee Paid: $7,500
Long-Term Success
Referral Partner: Mortgage Loan Broker

Merchant: Restaurant Owner

Merchant Location: Boston, MA

Cash needs: $300K for merchant cash advances

About the referral: This referral partner was known to us and sent us many leads over a 6-month period.

Scenario: Our RP had a merchant with a financial emergency who took out multiple merchant cash advances to cover it eventually getting trapped in the unforgiving MCA payment cycle. Our RP asked us for help to cut their payments and free up their cash flows. In the end, this loan funded for $300K. We were able to pay off his cash advances and his lower payments allowed him much more freedom.

Loan Product Offered: 52 to 78-week Flex Pay Loan for $300K.

Days to Fund: 3 days

Funding Date: December, 2019

Referral Fee Paid: $9,000; and referral partner will also get paid on any additional loans funded to this merchant for 3 years!
Payroll Disaster Averted
Referral Partner: Payroll Company

Merchant: Restaurant Owner

Merchant Location: Tallahassee, FL

Cash Needs: $78,000

About the Referral: Payroll provider with a client who needed financing for their payroll services.

Scenario: Our RP had a merchant with major payroll issues and needed financing quickly to secure professional payroll services. Our RP asked for help to fund as quickly as possible. We funded this loan in three days with excellent terms and the best terms causing the merchant to return for additional funding for renovations.

Loan Product Offered: 60-week Mezzanine Loan

Days to Fund: 3 days

Funding Date: November 2019

Referral Fee Paid: $2,340; this RP has since earned $2,250 more from $75,000 additional funding for renovation projects!
Renovation Rescue
Referral Partner: Credit Card Processor

Merchant: Restaurant Owner

Merchant Location: Tallahassee, FL

Cash Needs: $103K

About the Referral: Merchant shared with his credit card processing rep that he didn’t have enough cash for renovations and his current lender would not provide any more money.

Scenario: We successfully paid off his lender with proceeds from the loan and he had enough complete his renovations. We also allowed him a funding cushion in the form of a Line Of Credit for future emergencies or additional projects.

Loan Product Offered: 52 to 78-week Flex Pay Loan

Days to Fund: 5 days

Funding Date: December 2017

Referral Fee Paid: $3,090 and will get paid on any additional loans funded to this merchant for 3 years!
New Bar Concept
Referral Partner: Restaurant Consultant

Merchant: Restaurant Owner

Merchant Location: West Des Moines, IA

Cash Needs: $150,000

About the Referral: Merchant was working with consultant on a new bar concept and needed additional funding to make the full concept work.

Scenario: We successfully funded this loan based on a referral from a consultant working on a new bar concept. The merchant needed additional funding to make his dream bar a reality.

Loan Product Offered: 59 to 78-week Flex Pay Loan

Days to Fund: 8 days

Funding Date: May, 2015

Referral Fee Paid: $4,500 earning even more since the merchant has requested more for construction.
New Location
Referral Partner: Loan Broker

Merchant: Coffee Shop Owner

Merchant Location: Pittsburgh, PA

Cash Needs: $125,000

About the Referral: Loan Broker looking for growth funds for his client's new location.

Scenario: The loan broker contacted ARF through LinkedIn and we discussed the ARF loan advantages and preliminary numbers. A month later, the Loan Broker contacted us saying the client was not comfortable with any of the other lenders they contacted and wanted to move forward with ARF Financial.

Loan Product Offered: 45 – 60 week Flex Pay Loan

Days to Fund: 7 days

Funding Date: May, 2019

Referral Fee Paid: $3,750
Restaurant Upgrades
Referral Partner: Credit Card Processor

Merchant: Restaurant

Merchant Location: Pembroke, MA

Cash Needs: $355,000

About the Referral: Funds needed for restaurant upgrades and equipment.

Scenario: We have known this RP for a long time and initially met at a MRA event and then again at the New England Food Show. We regularly stay in touch referring opportunities back and forth. This merchant needed financing for upgrades and equipment and liked being able to have access to the line of credit which he eventually took advantage of for seasonal cash flow.

Loan Product Offered: Line of Credit

Days to Fund: 6 days

Funding Date: October, 2019

Referral Fee Paid: $10,650

How many Deals the RP Funded: 4
Expanded Medical Practice
Referral Partner: Loan Broker

Merchant: Medical Practice

Merchant Location: Columbus, OH

Cash Needs: $150,000

About the Referral: Our Rep connected with this referral partner via LinkedIn.

Scenario: This loan broker had a medical practice in need of financing to double their office space and purchase new equipment. The merchant was very rate sensitive and despite their busy schedule, they needed to fund quickly.

Loan Product Offered: Mezzanine Loan

Days to Fund: 9 days

Funding Date: April, 2017

Referral Fee Paid: $4,500

How many Deals the RP Funded: 1
Transparent Loan Terms
Referral Partner: Loan Broker

Merchant: Restaurant

Merchant Location: Athens, OH

Cash Needs: $100,000

About the Referral: Rep was introduced to this RP who had a client going through slow season.

Scenario: This loan broker had a merchant who wanted to consolidate merchant cash advances and allow some cash flow to get through slow season. The merchant was frustrated with the offers from merchant cash advance companies.

Loan Product Offered: 52-week Mezzanine Loan

Days to Fund: 8 days

Funding Date: December, 2019

Referral Fee Paid: $3,000

How many Deals the RP Funded: 1
Tasting Room Expansion
Referral Partner: ISO

Merchant: Restaurant

Merchant Location: Ft Wright, KY

Cash Needs: $115,000

About the Referral: Our Rep had worked with this Referral Partner on previous deals that fell through.

Scenario: This merchant was using his own cash flows to build a tasting room at one of his locations. He ran out of cash flows and needed financing quick to complete the construction. We ultimately funded a mezzanine loan to complete construction and a line of credit for future use including unexpected construction costs.

Loan Product Offered: Mezzanine Loan and Line of Credit

Days to Fund: 3 days

Funding Date: December, 2019

Referral Fee Paid: $3,450

How many Deals the RP Funded: 1
Supermarket Sweep
Referral Partner: Credit Card Processor

Merchant: Grocery Store

Merchant Location: Margate, FL

Cash Needs: $40,000

About the Referral: This RP was referred to us by another RP.

Scenario: This merchant was rate sensitive because it was their first time in their 14-year history they needed financing. We offered a flex pay loan to keep the payments as low as possible during their slow season and line of credit to help with their inventory needs.

Loan Product Offered: Flex Pay Loan

Days to Fund: 5 days

Funding Date: June, 2019 and September, 2019

Referral Fee Paid: $1,200

How many Deals the RP Funded: 2

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