Very professiional and easy to work…
Very professional and easy to work with. Celeste is spectaulor.
By JAE
Wednesday, November 4, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
285 reviews
Select a line to read only those reviews.
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
Very professional and easy to work with. Celeste is spectaulor.
By JAE
Marie goes above and beyond to help get things done!
By Ryan
Marie is one of the best relationship partners we have. Marie is extremely responsive and willing to help in anyway to get a deal done. We get her on the phone with our clients any chance we can. She provides a thorough overview or ARF's products for the client in a clear and concise manner. After which, the client has a complete understanding of the ins and outs and the process. I highly recommend doing business with Marie Lokmanyan at ARF Financial.
By Jeff Giannelli, SL Capital G.
I referred a Client to Marisol Martinez and she was very patient with him and took care of him on my behalf. My Client is very happy with the care she provided and off course the funds that he needed to move his business along. Thank you Marisol, you came through for me. I can't wait to get you more clients. Juline Gurney JLP Group Inc
By Jules D.
Thank you ! so very much Megan for helping us on this different times . We highly recommend you . And thanks toARF for opening the doors for our business to keep us going . HIGHLY RECOMMENDED! Jose Medina
By Jose
We referred Karen a customer of ours who was looking for working capital. We weren't able to assist this customer since that isn't a product we have to offer. As usual, Karen was able to help out so much! She is very easy to work with and always creates a great experience for the customer and the sales rep who referred her the lead. She is very great at keeping both parties aware of any updates and what next steps are. I'm looking forward to sending more referrals her way!
By Patrick
Annette was great to work with. She made the process easy and helped me secure the finances I needed. I would definitely work with ARF again.
By Kyle
Working with Celeste is amazing! She follows up and is all over our referrals. She is always accessible and knows her stuff. She closes almost everything we send and when she can't do a deal she lets us know right away so we can try to find another solution for our customer. She is always inspirational and gets on our team calls to educate and motivate our team to send more business. We love the partnership with Celeste and ARF.
By Ben B.