Annette represented us and my company…
Annette represented us and my company with total interest and caring of our needs.
By Lorrie G.
Tuesday, November 3, 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
Annette represented us and my company with total interest and caring of our needs.
By Lorrie G.
Working with Claire is a pleasure because she makes the whole process personal and comfortable. She cares about her accounts and is responsive as well as understanding and compassionate. ARF is behind her in supporting her role and actions to help the customer. Obviously it's super easy to work with her but she takes the extra steps to make the process easier.
By Evan B.
Claire has been beyond fantastic to work with. Quick, responsive, helpful and supportive. It’s nice to know that she still cares even after she closes a deal.
By KS
Thank you Mark for the great service.
By Edwin
I had the pleasure to negotiate with Merissa, we went over a few details a few times and she always understood my restaurant business. Thank you ARF & Merissa.
By Ruben
Kendall has great customer service skills and made me feel comfortable. Everything was fast and smooth.
By Regina
Michelle Gorczycki was excellent to work with! Very knowledgeable and got the deal done fast!
By Cathy
I have been a customer for several years. John Cosentino has done a great job in helping with my financial needs. I highly recommend ARF. L.L.
By Laura