B&F Finance was formed in 1973 to make installment loans in Texas. Headquartered in North Texas, B&F Finance has expanded to 40 locations in New Mexico, Oklahoma and Texas. Each location is a separate limited liability company and is licensed by the state in which it operates.
Robert Ramirez co-founded B&F Finance after his honorable discharge from service in the Korean War. Mr. Ramirez began his career in the consumer finance industry as a collector at what is now Sun Loan Company. In 1973, after working his way up to Supervisor, he was offered the opportunity to co-found B&F Finance with Mr. T.A. Fleming.
In 1978, after several years of successful partnership, Mr. Fleming offered Mr. Ramirez the opportunity to purchase his interest in the original B&F Finance location. In 1980, Mr. Ramirez opened a second location in San Antonio and a third in the Rio Grande valley. Throughout the 1980’s B&F Finance continued its expansion into other areas of Texas. During the 1990’s the company made its entry into Oklahoma. The new millennium marked the company’s expansion into New Mexico.
Expansion opportunities mean some of our neighbors know us as B&R Finance, Quick Loans, Texas Finance and Texas Warrant Company.
The current management team has over 100 years of combined experience in the consumer finance industry and formal educations in accounting, corporate finance and corporate law.
Our primary business is providing small installment loans in the communities we serve and we’re proud to say that a focus on customer service is what has made B&F Finance’s success possible.