Excellent communication and customer …
Excellent communication and customer service. Karen went above and beyond helping us. Very thankful to have her as our contact with ARF. Dimitri Tsihlis
By Dimitri
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
Excellent communication and customer service. Karen went above and beyond helping us. Very thankful to have her as our contact with ARF. Dimitri Tsihlis
By Dimitri
Karen was the best. She worked with us and got what we needed.
By Shiva
Laura Claydon is an amazing rep and truly works 110% on every file we send!
By Marie
Marie Lokmanyan is my rep at ARE Financial and she is wonderful, very knowledgeable and very helpful
By John
My experience working with Steve and Andrew was fantastic! The process was fast, they made themselves fully available to assist me with any questions I had, and any questions may clients had they were able to answer them. As a broker, I will continue to use ARF.
By Jerald Washington-Quest Business F.
she is so nice me, to explain loan program. my loan is first time, i didn't know anything, but she tried to explain many time until i understand detail, so i can decided program easily and in peace. thank you so much.
By Hironari
Karen was very informative, and easy to understand. Great asset to your company!!
By Oliver R.
Working with Karen was a pleasure. Very professional and Knowledgeable always following up with me and the merchant. I have just funded my 1st Loan with ARF and looking forward to many more.
By Ezra