Simple and straightforward
Great company to work with. Celeste made the entire process simple!
By Steven
Tuesday, November 3, 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
Great company to work with. Celeste made the entire process simple!
By Steven
Very good job. Always fair and honest.
By Gerald
very easy and professional company to do business with
By Jeffrey H.
Simplest and fastest way to get your funding.
By Majid J.
These guys are more than willing to loan you money but you need to realize there crazy weekly payment system that will kill you
By Lisa
Response from ARF Financial· Apr 1, 2019
Hi Lisa, we are very sorry to hear you were unhappy with your weekly payment. Our goal is to be as transparent as possible with regard to loan costs, including, but not limited to, payment amount, term and interest expense. We have passed your feedback along to our Senior VP of Sales. She will reach out to you personally. We also encourage you to contact us directly at 866-702-4430 or at [email protected].