Watch our video to discover how Stella can help you serve clients faster by automating the front-end application process.
Want to learn all about Stella? Use the buttons below to register for one of the four Webinar Launch Parties in July.
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.
Stella simplifies front-end loan submissions by instantly evaluating applications using ARF’s underwriting criteria. Available 24/7, Stella responds within 60 seconds, helping you manage high volume deal flow anytime anywhere.
If the deal is viable, you will receive an email stating: “Based on the information submitted, this file appears to meet our minimum program requirements for underwriting review.”
If the deal is viable, you will receive an email stating: “Based on the information submitted, this file does not appears to meet our minimum program requirements for underwriting review.” The reason for this decision will be included.
*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 Terms and Conditions.
Compliant Loan Application Form
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.
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New Loan Products for Stella Launch
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 – a built in cushion, lowering payments by 67%.
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—a 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.
*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 Terms and Conditions.
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, 2025
*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.
Not Yet A Loan 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:
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.