Michelle Gorczycki was excellent to…
Michelle Gorczycki was excellent to work with! Very knowledgeable and got the deal done fast!
By Cathy
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.
Showing 278 reviews with 5 stars · Clear filters
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
Honest and very helpful with loan!!!
By Pasquale
Great communication and friendly service.
By Patrick
I have good experience with John. he is very good with his timeline to get work done. he is good with replying back an email and call. so overall I have good experience with his Sarvis
By Jack P.
Process Easy & Comfortable--Great ongoinf Feedback from John!
By Valued C.
We have used ARF for years now. It is an easy process and they are always very helpful. Celeste was informative and great to work with.
By JAE
Merissa and her team did a great job of getting the loan done quickly and on time! We appreciate the whole team at ARF...
By Kelly