Valentina Sepic

I’m Valentina, Partner Relationship Representative at ARF Financial and a part of Marie’s Lokmanyan’s team. I have a diverse background in partner relationship management, customer service, and business operations. Ileverage my expertise to build and maintain strong partnerships, ensuring mutual success for both the company and its clients.

I began my career in the hospitality industry, founding and managing A’Point Restaurant and Regiment Lifestyle in Dubai, UAE. Over six years, I gained comprehensive experience by handling all aspects of the business, from kitchen operations and customer relations to marketing, sales, and financial management. In my earlier roles, I worked as a Tier 2 Product Specialist and Digital Learning Facilitator at Omni Interactions for Intuit TurboTax, where I provided advanced support, troubleshooting technical issues, and educated new hires. I also worked as a Key Accounts Manager at T-Com in Croatia, delivering tailored telecommunications solutions to large corporate clients. Additionally, I served as a Personal Assistant to a Managing Partner at Holborn Assets in Dubai, where I honed her organizational and administrative skills.

Contact me at (346) 724-3330, send me an email, or or fill out the form below to find out how a Referral Partnership can be mutually beneficial.

Loan Stars Program Overview

BECOME A LOAN STAR

Complete the Form to Get Started

Loan Stars Referral Partner Rewards Program

By joining our Loan Stars program, Referral Partners can unlock unlimited earning potential simply by referring clients to our industry-leading business financing solutions. Referral Partners get exclusive access to new products and promotions with no annual memberships, expirations, renewal fees nor fee collections. Each successful funding not only earns you a generous commission of up to 10% but also empowers your clients to access the capital they need to succeed. Discover how you can make a significant impact and elevate your income with our Loan Stars Program.

Program Benefits

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Star-powered commission tiers that pay up to 10%

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Skyrocketing performance bonuses up to $100,000 annually

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$2,500 for every 50 new Loan Stars recruited

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1% overrides to Network Leaders from fundings by downstream recruits*

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Exclusive access to new products and promotions

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Self-serve or cobranded marketing materials and customizations**

Terms and Conditions do apply. Still have questions?
Take a look at our comprehensive list of Frequently Asked Questions.

Loan Stars Commission Tiers

The new Loan Stars Referral Partner Rewards Program benefits you, the Referral Partner as much as it benefits ARF Financial. It is designed to represent our long term commitment to building connected, long-lasting beneficial relationships with our Referral Partners. See comparison chart below for the commission tiers.

*The initial loan amount (draw) determines the commission tier percentage paid, as well as the percentage paid on all subsequent draws. 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 Loan Stars Performance Bonus Tiers

We will pay up to 10% 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, and re-financings. Take a look at the bonus tiers for the calendar year:

*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 amount.

Why Refer Us?

Since 2001, ARF Financial has helped thousands of merchants obtain approvals on more than 23,000 loans with proceeds in excess of $1.5 billion dollars. Our quick loan approval process means your clients can obtain a revolving line of credit with interest-only options in a matter of days.

We have built relationships with several state-chartered community banks so your clients can acquire bank financing fast and with limited paperwork. That means the interest is tax deductible, rates are fixed, and the terms are spelled out ahead of time. Your clients will receive the financing they need quickly, with affordable payments and no surprises.