CEO Circle Membership Program


You’ve heard the old adage “membership has its rewards”? Well, in this case it’s true! So get ready to be impressed by ARF’s CEO Circle Membership Program! This referral program, upgraded to give our partners every opportunity to earn substantially more, goes far beyond other programs by providing: higher commissions, higher residuals, volume funding bonuses, recruiting bonuses, a loan participation program, and for the first time, generous overrides on recruited downstream members! A dedicated link to our online application, co-branded marketing materials, a co-branded online application, and personalized ARF landing page are included. The CEO Circle Program requires an annual membership fee with a 12-month commitment. For this reason, CEO Circle Members receive exclusive access to all the tools to build long-term wealth!

CEO Circle Member Benefits
Learn about all the valuable benefits of a CEO Circle Membership in this video short clip.
Celeste Deal-Maunoir

Celeste gives a comprehensive overview of all the powerful benefits included in our Circle of Rewards CEO Membership Program.

CEO Circle Membership Program Advantages


Highest Earning Potential

CEO Circle Members receive 8% commissions on new fundings – 4% upfront and 4% over 12 months; plus 8% residual commissions on the “cash out” portion of all line of credit draws, refinances and renewals for the life of the client*
Receive calendar-year performance bonuses equal to 1% ($5,000) for every $500,000 funded (up to $25,000).
CEO Members can now invest in the loans they fund and reap the WINDFALL from our new Loan Investment Program.
The prior cap of $36,000 on commissions earned on a loan funding has been eliminated.

Build Your Circle of Influence

CEO Circle Members can now recruit their own circle of members, their Circle of Influence Network. Those who become Circle Of Influence Network Leaders receive a 1% override commission on all fundings generated by all their downstream COI Network members.
CEO Circle Members will receive 50% of the Membership Network Fee collected when they recruit and sign a CEO Circle Member (1st tier only).
CEO Circle Members will receive a $5,000 bonus for every (50) CEO Circle Members they add to their Circle of Influence.

Helpful Tips and Customizations to Fill Your Pipeline

Get tips on sales pitches, cold calling and prospecting best practices that work for ARF Financial.
CEO Circle Members will receive a co-branded landing page on the ARF Financial website to build trust with their clients.
Each member will receive a dedicated URL to track all online activity from their website and other online marketing efforts.
CEO Circle Members receive a co-branded online application, personalized landing page and cob-branded marketing materials.
CEO Circle Sign Up Form


Complete the form and start earning top-dollar commissions that build wealth and a steady stream of income. You’ll get access to all the other valuable benefits including exclusive access to new products and promotions!

Elevated Commissions, Benefits and Bonuses

At the core of ARF Financial’s Circle of Rewards Membership Program is its ongoing commitment of paying top-dollar commissions, milestone performance bonuses and residuals that build wealth and a steady income for our CEO members. See the table below outlining all the powerful benefits for our CEO Circle Members including our newest Term Loan that pays up to 10% in upfront commissions!

*To qualify, regular Amortizing Term Loans, Flex Pay Loans and Revolving Lines of Credit must have repayment terms of 39 weeks or longer. Elevated upfront commissions on The Big Deal Term Loan are for new clients only (out of the program at least 120 days) and is available for a limited time. Contact your loan consultant for full details. To retain the Circle of Rewards benefits detailed above, CEO member must maintain an active membership which requires payment of an annual membership fee.

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, 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 up to $1,000,000


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


The interest paid is tax deductible and early payoff options are available

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 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

Exclusively for Circle Members

Our Capital Connections page has all the important updates for Circle of Rewards and Circle of Influence Members. Membership really does have it’s perks! We frequently offer incentives and have fun contests with substantial prizes. There’s also success stories, helpful guidance on how to build your Circle of Influence network and prospecting best practices.

Our Unique Loan Products


BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the max loan approval, a fixed term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!


Interest-Only Bankroll

Consider it like our Bankroll on steroids. Our Bankroll Interest-Only Revolving Line of Credit has all the great benefits of Bankroll with an interest-only period of up to 1 year! Your clients can enjoy unlimited draws and paydowns and only pay the interest for up to a year!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 with low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!


The Big Deal Term Loan

Would you like to earn up to 10% upfront commissions on our newest loan product? We call it The Big Deal and it gives your clients access to loan amounts up to $1,000,000 and repayment terms up to 24 months. It’s a great way to get your clients a significant influx of capital and a big commission for you – UPFRONT!

What Our Customers Are Saying


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