Established in 2001, ARF Financial has a long-tenured history as one of the original pioneers in the alternative small business finance industry, providing creative & tailored true bank loans to help businesses thrive: ► We specialize in commercial Lines of Credit, designed for business owners seeking $100K to $1 Million in working capital, offering flexible term lengths starting from 1-3 years.► Through our bank partners, ARF provides the industry’s only FDIC-insured & bank-compliant unsecured commercial Line of Credit, assuring customers the highest level of audit/regulatory standards outside of their local bank.► Our industry first, Interest-Only Line of Credit program, gives business owners unprecedented financial flexibility: minimum interest payments when they need it and the ability to pay larger principal payments when they can, without pre-payment fees/penalties. ► ARF Financial bridges the gap between traditional bank or SBA financing & alternative lending solutions shorter than 1 year term length.Whether you work at a Traditional Bank, SBA provider, Equipment Financing originator, SMB Lender, ISO Brokerage, Large-Scale Marketing firm, or any other SMB service provider – reach out to me at njoseph@arffinancial.com about how an ARF Strategic Partnership can help you retain customers & significantly increase revenue-streams with minimal organizational effort.

Roofstock 360 provides institutional advantages for individual investors and financial advisors: We custom build single-family rental (SFR) real estate portfolios through a revolutionary program that bridges the wide gap between Wealth Management and direct Real Estate investing/ownership. Benefiting from the deep market insights and operational technology that Roofstock has honed working with 9 of the top 10 institutional SFR investors in the country, Roofstock 360 now provides that same blue-chip service previously accessible to only top-tier institutions, now available for: High-Net-Worth Individuals, Family Offices, as well as Financial Advisors on behalf of their clients.Roofstock 360 offers modern single-family rental investing that eliminates much of the friction that individual investors experience when acquiring and managing a portfolio of SFR assets on their own:

EasyKnock is a PropTech platform on a mission to become the first company in the US to institutionalize the sale leaseback for the residential housing market and provide equity release. EasyKnock has pioneered strategic partnerships with lenders, brokers, marketing affiliates, and a wide range of adjacent business industries by breaking down the barriers for homebuyers/homeowners: ► Allowing Homeowners to release the equity in their home without taking a loan or other debt► Empowering Homeowners to remove home sale contingencies and significantly strengthen their new home purchase offers, in a very competitive home buyer market► Allowing owners to become renters of their own home with a buyback option► Helping the 22% of homeowners who do not have access to traditional financing options for equity release► Help consumers repair their FICO score► Giving owners and liquidity to invest in their lives and business

Founded in 1997, Marlin Capital Solutions and its wholly-owned operating subsidiary, Marlin Business Bank, are publicly traded (NASDAQ: MRLN) and specialize in providing innovative equipment finance and commercial loans for small and mid-size businesses nationwide.  Our equipment financing and working capital loans are offered directly to businesses, and through intermediaries, which include independent brokers and dealers, equipment manufacturers/distributors, and strategic tech partnerships.

Top Sales Contributor & Sales Manager Dual Role at OnDeck (NYSE: ONDK) :Individual Sales Contributor:● Achieved the 2nd highest lifetime sales at that juncture in the company's history among 400+ past/present new customer salespeople (2019)● #2 ranked producer of sales volume ($54.2 Million) in the Company among 50+ new business salespeople (2018) - bringing in roughly $13 Million in Revenue to the Company● Exceeded quota targets by the highest percentage in the Partnerships Division (118%) while carrying the 2nd highest New Business sales quota in the company – 2018 President’s Club Award Winner● Drove highest conversion/booking rates within Partnerships Team for my book of individual book of accounts (2019, 2018, 2017, and 2016)● Consultatively sold and executed full CRM solutions and Enterprise API Integration packages with the OnDeck Lending Platform to 80% of my accounts with longer sales cycles (highest Enterprise API adoption rate of all Partnerships Managers)● Managed 6 of the Company’s top 20 Partnership accounts in 2018-2019 (currently 600+ active accounts in company’s book)Sales Manager/ Coach :● Developed and trained over 10 Partnership Managers in 3 years within an expanded Team Lead dual-role● Empowered direct reports to exceed annual quota targets in each year I was their Coach (100% success rate)● Sharpened leadership problem-solving skills/processes via a 6 month long Six-Sigma based leadership development seminar● Trained in a OnDeck's Sales Leadership Principles seminar focusing on team credibility building, Quota Setting, Managing Compensation Changes, Interviewing, Hiring, Cultivating Team Culture, Metric-based leadership● Pioneered a new Partnerships Team Quota-setting methodology: aligning Company and Team interests to foster ideal sales rep behaviors● Created and directed a Partnerships Division sales training program to ramp-up new hires to “Sell unconsciously” to our Accounts

● Achieved 107% of Quota in 2015 and originated $23.4 Million in sales in the face of market and enterprise headwinds as OnDeck’s IPO yielded restrictive internal credit climate and termination of over 80% of the Partnerships division’s portfolio of accounts● Attained 125% of Quota in 2014 and originated $18.9 Million in sales - fueled by turning a high risk competitor into OnDeck’s #2 Partnership Account in originations● Innovated very creative SPIFF incentives and bonus programs that exponentially grew sales in new vertical markets

● Eclipsed 129% of Quota and originated over $10 Million in sales (2013 Presidents Club)● Convinced and on-boarded multiple large lending competitors to partner with OnDeck with a unique value proposition

● Cold Called over 5000+ inactive Partnership accounts to reinvigorate loan volume production within the ‘dead book’● Reengaged and drove $1.4 Million in sales from 100’s of previously unprofitable accounts – surpassed 159% of Quota targets

● Top 5 Producer in commission & deals within an agency of over 40 agents - brokered over 200+ rentals and sales● Expanded company’s market by establishing new landlord relationships in different cities via cold calling● Streamlined office marketing techniques by maximizing advertising efficiency of lead generation and ROI yield● Revamped and reorganized company’s customer lead management software to better match with landlord needs● Awarded dozens of deals in competitive situations due to relationships developed with landlords● Cultivated over 40% of client base through landlord referrals, customer referrals and testimonial/review sites

● Negotiated and closed over a dozen sales during summer breaks in college academic calendar● Overhauled company’s antiquated property listing/customer leads management software to a modernized solution