ARF Financial Avis 

This is a scam, they will try their utmost to avoid talking normal bank language, they will never ever tell you the actual interest rate, instead they start pounding you with weekly costs, interest only periods, initial high payments for eight weeks and after that only a fraction. Interest rates of 2.24 percent, turns out to be per day. When you start putting in normal calculations, the ones real banks do, it turns out the interest is 73%. No doubt an employe of these people will be very quick to explain how wrong I am but i would be happy to upload the proposal they sent me.

As you can see I talked to them on April Fools Day, unfortunately this was not a joke.

Kendall is a tremendous asset to your company. She is always been helpful over the years. A great partner to success!

ARF is a great long term funding partner that you can rely on and trust.

UPDATE TO REPLY: Thank you for your response. I appreciate your insights and am fully informed regarding the matters you referenced. Please note that your broker identified LAF as a partner and made commitments on behalf of ARF. If you wish to discuss the specifics further, I am available for a private conversation. I would think as a lender misrepresentation would be of a significant concern. However, I prefer not to share these details in a public forum, as was done with my loan details.

I recently engaged with ARF Financial for a business loan, working directly with Megan (Vice President). Initially, I had a competitive offer from Lexington Capital Holdings, which provided ample funds for my business needs. However, I was persuaded by Megan to accept a smaller loan with the assurance that, upon closing, I would receive additional funds and a 1% rebate on the funds received.

After the loan closed, clear communication ceased regarding the promised additional funds and rebate. Despite multiple inquiries, weeks passed before I received a response. Ultimately, I was informed that I had missed the deadline for the additional funds due to delays in meeting requirements. The 1% rebate was eventually paid, but it arrived several weeks late.

Further complicating the process, Megan clarified after closing that the loan was not actually through ARF Financial but an ARF partner, contrary to my initial understanding. I was then told that to access additional funds, I would need to refinance the existing loan or wait three months.

This experience left my business in a challenging financial position. In retrospect, I believe accepting the original offer from Lexington Capital Holdings—a company with excellent ratings on Trust Pilot and Google—would have better served my needs.

Summary of Key Points:
• Promised additional funds and rebate were delayed or not delivered as expected
• Communication gaps and missed deadlines impacted funding
• Misrepresentation of loan origin created confusion
• Resolution options were limited and inconvenient

I hope this review helps other business owners make informed decisions when considering financial partners.

John was great all the way through this difficult loan to a challenging borrower.

Personal touch and quick turnaround.

ARF is our go-to for top tier loan options you won't find anywhere else in the marketplace. Keep up the outstanding work Steve, Emily.and the ARF Team.

Marie Lokmanyan, is one of the best I've ever worked with. She cares about clients, and helps to point out the bigger picture. She's reliable, relatable, and any organization is lucky to have her.

Partnering with ARF Financial for my clients has been amazing. The process is smooth and they go out of their way to fit the needs of our business owners.

If you can't fund with ease and manage your client expectations, you need to fire yourself or get into another business. This company is more transparent than any other. Steve Ensworth, Andrew Matta, and Jose can triple task and still give brokers personal attention. Their box is so easy to find. Interest rates and programs are very attractive. The President of ARF Financial has even reviewed my files personally for exceptions when warranted. Treat them right and don't submit "garbage wood." They fund with common sense. No smoke and mirrors with this firm. Don't take all their time because it needs to be saved for Us Trust files. (light sarcasm.) Make your clients take another job, but don't let them default.

Marie with ARF Financial is wonderful. I was so honored to have her assist me with getting my client the funding he needed for his dental practice. I look forward to many more opportunities to work with Marie and ARF Financial. Definitely 5 stars.

Working with ARF has been an absolute pleasure. Their team is incredibly knowledgeable and always quick to respond — no waiting around or chasing down answers. They truly understand their work and it shows in the way they anticipate needs and offer solutions before you even ask. Having a partner like ARF makes the entire process seamless and stress-free. Highly recommend them to anyone looking for a responsive, sharp, and genuinely supportive team.

Kendall makes referring clients effortless. She has an excellent understanding of her programs and consistently maintains a high level of professionalism with both me and my clients. Most importantly, she takes her role seriously and keeps deals moving forward efficiently and professionally

John made the process very easy, and frequently kept in contact with follow up and helped me get it to the closing.

It's a great privilege to be able to give a 10 star rating to a 5 star platform. From day one they assured us that they would walk us through the process and that of our clients , that they would not leave us alone to figure this system out. The whole team made us feel as important as our clients at the same time entranceing us as part of there team ( family) . Wait a go ARF Financial look forward to doing business with you cheers. Sara & Mario

It's great to have such an amazing team over here at ARF to help get our clients the funding they need to level up their business. Shout out to Valentina, Marie, and Amy for always being supportive and getting things done!

I am so happy to be a partner of ARF. They go way above and beyond and I've never worked with a team who over communicates. I love this because nothing falls through the crack. This is a great thing! Thank you to Celeste and her team! They are definitely top notch and they help make my life easier! You all are the best!!