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David Z. Webster

Hello. My name is David Webster, your Loan Consultant with ARF Financial serving all of New Jersey. I have been working within the restaurant-hospitality industry for over 30 years, giving me excellent insight to the daily challenges operators face day-over-day. Knowing what you go through, I want to be your trusted financial partner and advisor to help you reach your goals and grow your business.

I would welcome the opportunity to discuss how I can help you capitalize on growth opportunities using our working capital solutions. Whether you need cash for expansion, renovations, equipment, inventory or just need to stabilize cash flow, consider me your personal banker who can tailor a short-term loan to meet your specific needs for business success! And, as a hospitality specialist, I can provide straightforward, hassle-free bank loans and lines of credit that feature fixed terms and affordable payments at some of the best rates in the industry. Plus, what’s great is you don’t need to have perfect credit to qualify and no collateral is required.

Restaurant owners call us first because we are not a cash advance or factoring company. We have nothing to do with your credit card transactions. The loan you receive is tax deductible resulting in lower overall cost of funds. The payments you make are fixed and will not change during the term of the loan – as your revenue grows you keep more of it! Let’s talk – I will work hard to exceed your expectations and get you the funds you need.

Contact me at (551) 265-0299, email me, or fill out the quote form and I can get you an immediate, customized loan proposal.

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.

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

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