The Associate Leadership Circle Membership Program

Increase Your Lending Footprint and Your Profits

The Associate Leadership Circle Membership Program is designed for Brokers and larger Referral Partners with a strong network of associates and industry partners with established client portfolios. They also have the necessary bandwidth required to follow-up and maintain engagement with their client base. The Associate Leadership Circle Program requires an initial Membership Network Fee. A 12-month commitment in the Referral Partner Membership  is also required. For this reason, the Associate Leadership Circle enjoys higher commissions, higher up-front commissions, calendar year performance bonuses and much more!

Program Benefits

Earn More Commisions

Each member will receive 5% up-front commissions for loans of $50,000 or more, and 4% commissions on loans less that $50,000

Each Member RP will receive 6% Residual Commissions on 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.

Each Member RP will receive a Bonus Up-Front Commission for a minimum of 60 days upon joining.

Each Member RP will receive calendar year performance bonuses equal to 1% of their fundings (Up to $25,000) at pre-determined funding tiers

Get Useful Tips with your Marketing Efforts

Each Member RP will receive a dedicated URL to track all online activity from their website and other online marketing efforts

Each Member will receive a cobranded landing page on the ARF Financial Website to build trust with their clients

Each member will receive a cobranded RP application Registration page in the loan portal

Get tips on sales pitches and prospecting best practices

Refer Associates and Other Sales Professionals

Each Member RP will receive 50% Membership Network Fee collected when you recruit and sign a Member RP to our program (one tier down)

Each Member will receive a $5,000 Bonus for every 50 Circle Of Influence Members Added

Each Member will receive 0.5% of Circle Of Influence Members’ Cash Out Funded

Member RPs who join our top two membership plans and who become Circle Of Influence Network Leaders will receive an override on fundings (for 3 years) generated by the Member RPs you add to your COI Network

Program Commissions & Bonuses

Associate Leadership Circle Members will receive a $5,000 Bonus for every $500,000 Funded During a Calendar Year Up to Max of $25,000

Loan Program Advantages

ARF Financial is a financial services company that has cultivated relationships with banks around the country so your 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 transparent. Your clients receive the financing they need fast, with affordable payments that won’t increase as revenue grows.


Loan amounts from $5,000 to $750,000


No collateral required on amounts up to $500,000


No tax returns or financials required on loans up to $500,000


Terms from 12 to 36 months with low fixed payments


Approvals in 24 hours and fundings in as little as 3 days


Repayment is not tied to credit card transactions


Simple underwriting process and low documentation


Early pay-off options are available


The interest is tax deductible

Business Types We Lend To

Click here to see full list

From restaurants to liquor stores, to veterinary practices, financing solutions from ARF Financial help keep a wide variety of small businesses growing and profitable. Here are a few of the business types we can help with our unsecured loans:


Hotels, Motels, Inns, Bed & Breakfasts


Restaurants, Bars, Caterers, Bakeries, Specialty Food, Liquor Stores


Doctors, Dentists, Chiropractors, Veterinarians


Barber Shops, Salons, Spas


Many other retail establishments


Automotive Repair and Service

You Can Sell Our Products!

By introducing your clients to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! Fill out the form below to get started.

Exclusively for Circle Members

The Capital Connections page has all important updates for Circle of Rewards and Circle of Influence Members. Membership also really does have it’s perks! We frequently offer incentives and have fun contests with substantial prizes. We also post success stories, offer guidance on your direct mail marketing and prospecting.

Our Loan Products

Interest Only Flex Pay Loans

Our new Interest-Only Flex Pay Loan allows you to borrow now with rates starting at 15% and low, interest-only payments for up to 6 months! With flexibility like this you can truly borrow with confidence!

Unsecured Lines of Credit

When opportunity knocks, business conditions change or unexpected issues arise, your clients will be ready. Our Line of Credit gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!

Flex Pay Loans

Many merchants simply don’t dream big because they can’t afford to borrow the funds they need. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!