Marie Lokmanyan is my rep at ARE…
Marie Lokmanyan is my rep at ARE Financial and she is wonderful, very knowledgeable and very helpful
By John
Sunday, November 8, 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.
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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
Marie Lokmanyan took care of my client in fast and efficient manner even during this COVID19 pandemic.
By Edgar
Process took longer than expected, but the other side was probably more to blame for that. Overall, everything went well, thanks, Ed
By Edward
Annette is doing a great job!
By Fred