John was great all the way through this…
John was great all the way through this difficult loan to a challenging borrower.
By Stuart
Tuesday, November 3, 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
John was great all the way through this difficult loan to a challenging borrower.
By Stuart
Personal touch and quick turnaround.
By Scot
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.
By Mark B.
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.
By Brent
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.
By Jason
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.
By Christopher Yates, US T.
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.
By James
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.
By Sandra V.