B & F Finance

B&F Finance Corporation ("B&F") is a Texas Corporation formed in 1973 for the purpose of lending money under State licensed installment loan laws. Headquartered in North Texas, B&F Finance currently owns and operates 35 loan offices in Texas, Oklahoma, and New Mexico. Each office is a separate LLC owned by B&F Finance Corp. All loan offices are individually licensed by the State in which they operate. The founder of B&F Finance Corp. is Mr. Bob Ramirez. After serving in the Korean War and being honorably discharged, Mr. Ramirez began work in the consumer finance industry at what is now Sun Loan Company as a collector. Mr. Ramirez worked his way up to Supervisor with Sun Loan Company before being offered a job by Mr. T.A. Fleming of B&F Finance. Mr. Bob Ramirez worked for B&F Finance during the 1970's as a supervisor. In 1978 Mr. Fleming allowed Mr. Ramirez to buy B&F Finance Corporation, a corporate shell that Mr. Fleming placed one loan office into. In 1980 Mr. Ramirez opened a second office in San Antonio and acquired another in the Rio Grande Valley. B&F continued to grow into the late 1980's and 1990's with expansion into other parts of Texas as well as Oklahoma and New Mexico. The current management team of B&F Finance has over 129 combined years of experience in the small loan industry. In addition to extensive experience in lending, our management team has formal educations in Accounting, Corporate Finance and Corporate Law. The company's primary business is providing regulated installment loans, but what has made B&F Finance successful is a focus on customer service. Due to various acquisitions B&F Finance has made over the years, we operate several entities using other trade names including, Texas Warrant Co. in Austin Texas, Texas Finance (in the El Paso Area), Quick Loans in Round Rock and Georgetown Texas, B&R Finance in Oklahoma (B&F Finance is not related in any way to B&F Finance in Oklahoma), and Approved Finance in New Mexico.