The Founding Circle Membership Program

Refer Your Clients to ARF Financial and Earn Long-Term Income

The Founding Circle Membership Program is a continuation of our previous Referral Partner program. There are no network fees and no ongoing monthly membership fees. As before, this program pays 3% commission at funding and 3% commission on residual fundings for up to three years. Members will receive their dedicated URL which will track all online applications sent directly to our portal from your website or other marketing campaigns.

We will pay a 3% referral fee, based upon the principal amount of the initial new merchant loan and the “cash out” portion of all additional advances, including line of credit draws, renewals, or re-finances that are made for a period of 3 years from the date of the initial loan. Here’s an example of the income opportunity:

Earning Potential

Typical Funding Scenario

Merchant borrows $400,000 without review of their tax returns and financials. Referral fee earned by broker is $12,000! Average loan size is $82,589. Most loans refinance after 50% paid.

By introducing your clients and other sales minded professionals to ARF Financial, you can help ensure the success of their business, strengthen your own relationships and earn significant income! If you are interested in the Founding Circle Membership Program, please fill out the form below or contact your local loan consultant for more information.

Benefits of the Founding Circle Program

The past 20 years of insights has helped us understand that we have shared interests and common goals with our Referral Partners. Therefore, a long-term commitment in the form of a mutually beneficial alliance with our Member Referral Partners is necessary for a long term successful partnership.

The Founding Circle Program Benefits

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.

Our Loan Products

Interest Only Flex Pay Loans

Our new Interest-Only Flex Pay Loan allows you to borrow now with rates starting at 8% and low, interest-only payments for up to 5 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!