Working Capital Loan: Approval & Payback Process

At ARF Financial we are committed to helping small business owners obtain real working capital bank loans within days.

In this post we explain how we determine your loan amount and what the approval and repayment process will be like. Keep in mind that not every financial services company will have the same process or will be as transparent with you.

Industries We Finance


At ARF Financial we finance the following industries:

  • Restaurants
  • Hospitality
  • Automotive
  • Medical & Dental
  • Salons & Spas
  • Florists
  • Retail

If you own a small business in one of these industries, learn more about the Working Capital Loans and Lines of Credit we have available for you.

We can grant approval of your loan within 48 hours after you submit your application. Fundings can occur in as little as 7 to 10 business days!


How We Use Your Annual Sales to Determine Loan Amounts

small business financing

At ARF Financial we use your actual gross sales to determine your loan amount. Potential loan amounts vary from 4% to 16% of your total annual sales (cash and credit cards – actual or projected) and your credit worthiness.

Example: If your average monthly sales volume is $100,000 or $1,200,000 annually, your potential loan amount is $48,000 to $192,000.

Bank loans obtained through ARF Financial are unsecured debt that require no collateral for amounts under $725,000.


How Your Credit Score Factors Into Loan Approvals

successful cafe owner

Here at ARF Financial a less than perfect credit score is not a barrier to loan approval.

We can approve a bank loan as long as your FICO score is 551 or greater and you have minimum annual sales of $100,000 ($8,333/month).


The Payback Process for a Business Bank Loan

casual business partners

A bank loan through ARF Financial provides maximum flexibility on loan amounts up to $1,000,000 per location! You choose your term: 4 months, 6 months, a year and in some cases extending to 2 years.

You may pay back your loan early without any penalties*.

Unlike many cash advance companies who receive their payback by deducting up to 30% from your daily Visa and MasterCard sales, ARF Financial requires no change to your credit card processor and does not interfere with your credit card receipts. We are not a cash advance!

We will never make you sign up for an unwanted marketing or rewards based program to receive working capital.

Once a week we process an ACH debit from your authorized business checking account. This ACH debit remains the same over the term of your loan so you can set your budget accordingly.

*minimum loan amount required


If you’d like to learn more about obtaining a bank loan through ARF Financial, contact us today to speak with a rep!