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Congratulations!Apply now to receive 3 Year Terms and a $3,000 Amex Gift Card!


We are ready to show you your best financing options!

Please fill out the form to the right, enter promo code “Amex3K” and we will immediately process it to give you full information on your available options including rates and terms. If you choose to use ARF Financial, your funds will be available quickly with no hassle and minimal paperwork. Plus, once your loan funds you’ll receive a $3,000 Amex Gift Card!*

Loan Calculator

* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy

ARF Financial LLC is a direct lender and a third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Terms & Conditions

*To qualify for the $3,000 AMEX Gift Card merchant must borrow a minimum of $220,000 within 30 days of submitting a Loan Application. Merchant must also qualify for our 3 year loan term by having annual sales of $2M, have an Equifax Credit Score of 700 or higher, must have been in business 5 years or more, must own a home and have no previous bankruptcies or current tax liens.

See how much you qualify for...GET A FREE QUOTE

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ARF Financial LLC is licensed by the California Department of Business Oversight as a California Finance Lender License No. 6037958.

Call us at 1-866-702-4430