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 new and improved CEO Circle Membership Program! The new 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, a share of the network fees from recruited members, a $5,000 bonus for recruiting 50 new CEO Circle members, a new loan investment 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 initial Membership Network Fee to join with a 12-month commitment. For this reason, CEO Circle Members receive all the tools to build long-term wealth!

CEO Circle Membership Program Benefits


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.

Get Useful Tips to Help 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 will receive a co-branded online application in the loan portal.
Upgraded Benefits, Commissions and Bonuses

At the core of ARF Financial’s Circle of Rewards (COR) Membership Program is its ongoing commitment of paying top dollar commissions and milestone bonuses that build wealth and steady income for our member partners. For that reason, Check out the table below outlining all the powerful upgrades for our CEO Circle Members.

*Regular Amortizing Term Loans and Flex Pay Loans with repayment terms of 39 weeks or longer. To retain the Circle of Rewards benefits detailed above, CEO member must maintain an active membership which may require payment of an annual membership fee.

Sign Up to Sell Our Products!

Complete the form below and start introducing your clients to ARF Financial. You can help ensure the success of their businesses, strengthen your own relationships and earn a generous, steady stream of income!

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 to $750,000


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 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!



Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It 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 believe they can’t afford to borrow the funds needed to make those dreams real. 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!

What Our Customers Are Saying

Join Our Circle of Rewards

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