Been using them for years
Been using them for years. The process is very quick after initial year. Rep is awesome!
By John
Wednesday, November 4, 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.
285 approved reviews, newest moderated first
Been using them for years. The process is very quick after initial year. Rep is awesome!
By John
Wonderful to work with. Easy application processing. They guide you through the whole process! Everything is done securely online so there's no appointment times or waiting. :)
By Candice
Always quick to respond and easy to work with. They make you feel like a friend rather than just a customer!
By Rocco
Laurie is great
By Paul
Easy to work with, quit answers and fast results!
By Steven
Great job by Lori guiding me thanks for your help Thanks Sal
By Salauddin
Kendall is so helpful and resourceful when it comes to fast funding for our restaurants. Even though we’ve been in the business for almost 13 years, finding a small business loan to expand our business is almost impossible. If it weren’t for ARF Financial and Kendall’s help, we won’t be able to expand to our 4th location as of today. I highly recommend ARF Financial, especially, for individual owned businesses without wanting investors.
By Kim
lori did an awesome job. she was professional, and fast . She clearly understood our needs and helped us get the funding we needed to expand
By Karl