They are very helpful and very fast …
They are very helpful and very fast and the interest is very good not to much at all I loved to work with them in future if I need any loan for sure I will come back to u guys
By Bakshish
Wednesday, November 4, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
285 reviews
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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
They are very helpful and very fast and the interest is very good not to much at all I loved to work with them in future if I need any loan for sure I will come back to u guys
By Bakshish
Let me tell you - I was amazingly surprised - ARF went above and beyond to help my sponsor. They are extremely responsive and very friendly to work with. The sponsor was pleasantly surprised and very happy with the results - They have exceeded her expectations. May I say I was extremely happy as well as it's rare to work with such good people. Lauren Welch is by far the best!
By Sebastian
Marie was truly attentive to our client's needs. Our client had a language barrier, so communication wasn't easy as we navigated through the challenges of getting to the loan closing. But still Marie was able to overcome everything and was able to secure a nice loan for a grocery store that needed unsecured working capital. ARF gave our client a chance, and for that we are very pleased with their streamlined approach and will highly recommend many more clients to them.
By Jonathan
As always John is awesome! His follow up and support has been very helpful...
By Brian
I needed working capital for my business. So I reached out to ARF financial. And spoke with Karen, she explained to me what kind of documents that will be needed to proceed. After providing those documents, Karen and her team was able to guide me through the process. I recieved the funds for my business very quickly. Thank you Derrick.
By Derrick
Great team, excellent customer service. Funding was quick after all documents were in. Called with daily updates.👏🏽👏🏽
By Walter
Financing made easy! Karen was amazing to work with and the process was seamless. She was extremely through and knowledgeable and was able to answer all my questions. Quick turn around and approval! Thank you!!
By Lisamarie V.
I've known Karen for a few years now... great to work with, Ultimate Professional, pays close attention to the clients needs to determine the best financing solution...
By Richard