Owner
This is one of the easiest companies to work with I have for years ,and my Rep Karen is the best ..
By BW S.
Wednesday, November 4, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
285 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
As the #1 direct lender for restaurateurs and hospitality businesses across the country, backed by decades of experience, we know a thing or two about business owners like you. What’s more, we live and work in your community, understand the local market, and we’re committed to offering the right financial products to fulfill your individual business goals.
ARF Financial (arffinancial.com) has 285 customer reviews on The Fair Hearing, with an average rating of 4.9 out of 5.
285 approved reviews, newest moderated first
This is one of the easiest companies to work with I have for years ,and my Rep Karen is the best ..
By BW S.
Karen from ARF is awesome and I would recommend her and her team to anyone looking for capital for operation expenses or expansion.
By Pamela
Laura is fantastic to work with and a real asset. We had a blast working together and I can't wait to do it again. She deserves everything she's obtained thus far and deserves much much more. Thank you for being such a rockstar to work with. I appreciate you more than you know. Thank you!!!!!
By Leander
Marie was excellent throughout the entire loan process. She was available for questions almost anytime during the day and evening. She truly made it feel like she cares about our business.
By John
John Cosentino is the loan agent I worked with and he was wonderful. He answered questions promptly, was always available and it was very easy to discuss any matter.
By Patricia
Marie and her staff walked us through the process and was very proffessional. They were great to work with! Bill
By Bill
I have been doing business with ARF and Karen Coleman specifically for 3+ years now. She is hard working, solutions oriented, and extremely easy to work with. I would and do highly recommend Karen and ARF to any small business looking for working capital.
By Anthony
I've been in the industry for a few years and have worked with several different lenders/banks. Marie with ARF Financial is by far the best partner I have in the industry. She has gone above and beyond to help my client get the financing they needed to grow their business. One of the best things about Marie's character, she always puts the customer first!
By Izhak