Have had nothing but great experiences with BFS. Approvals are a little slower than OD, but they go out 15-18 months in most cases which is good, issue very strong approvals for restaurants and other high cc volume businesses, and take on B paper deals at a higher rate which a lot of their competitors do not. They require a few more minor stips, but nothing too serious - they are definitely one of our go-to lenders.

Haven't worked with ARF - put in a call and online ISO app in the past, but never heard anything back from them.