ARF FinancialReviews of arffinancial.com

This is a scam, they will try their utmost to avoid talking normal bank language, they will never ever tell you the actual interest rate, instead they start pounding you with weekly costs, interest only periods, initial high payments for eight weeks and after that only a fraction. Interest rates of 2.24 percent, turns out to be per day. When you start putting in normal calculations, the ones real banks do, it turns out the interest is 73%. No doubt an employe of these people will be very quick to explain how wrong I am but i would be happy to upload the proposal they sent me. As you can see I talked to them on April Fools Day, unfortunately this was not a joke.

UPDATE TO REPLY: Thank you for your response. I appreciate your insights and am fully informed regarding the matters you referenced. Please note that your broker identified LAF as a partner and made commitments on behalf of ARF. If you wish to discuss the specifics further, I am available for a private conversation. I would think as a lender misrepresentation would be of a significant concern. However, I prefer not to share these details in a public forum, as was done with my loan details. I recently engaged with ARF Financial for a business loan, working directly with Megan (Vice President). Initially, I had a competitive offer from Lexington Capital Holdings, which provided ample funds for my business needs. However, I was persuaded by Megan to accept a smaller loan with the assurance that, upon closing, I would receive additional funds and a 1% rebate on the funds received. After the loan closed, clear communication ceased regarding the promised additional funds and rebate. Despite multiple inquiries, weeks passed before I received a response. Ultimately, I was informed that I had missed the deadline for the additional funds due to delays in meeting requirements. The 1% rebate was eventually paid, but it arrived several weeks late. Further complicating the process, Megan clarified after closing that the loan was not actually through ARF Financial but an ARF partner, contrary to my initial understanding. I was then told that to access additional funds, I would need to refinance the existing loan or wait three months. This experience left my business in a challenging financial position. In retrospect, I believe accepting the original offer from Lexington Capital Holdings—a company with excellent ratings on Trust Pilot and Google—would have better served my needs. Summary of Key Points: • Promised additional funds and rebate were delayed or not delivered as expected • Communication gaps and missed deadlines impacted funding • Misrepresentation of loan origin created confusion • Resolution options were limited and inconvenient I hope this review helps other business owners make informed decisions when considering financial partners.

I should have known not to get a loan with these people when they gave me such a hard time to get the loan in the first place because my business had just switched payment processors. Fast forward to this terrible economy I reached out to my ARF consultant to ask to pause 2 payments because business was slow and I needed to pay other bills and was told no because it had to go through underwriting. I wasn’t asking for additional money. I just wanted you I pause their outrageous payments. I borrowed 45k and am paying back almost 70k. NEVER AGAIN! I do not recommend this. This made my situation worse not better

These guys are more than willing to loan you money but you need to realize there crazy weekly payment system that will kill you