ARF Financial sources short-term amortizing Bridge Loans (up to 36 months) to merchants who are expanding or have specific projects with high ROI opportunities. These Bridge Loans are brokered with FDIC-insured community banks throughout the country.
To ensure our partnering banks make these loans in a timely manner and without the normal non-encumbered collateral requirements – no first secured position required – or burdensome bank covenants, ARF Financial pre-underwrites the deal. This allows our merchants direct access to working capital quickly – within days – and without the traditional amount of due diligence.
Bridge Loan amounts are available up to $725,000 per entity or up to $1,450,000 to guarantors who have multiple entities/units. Loan amounts are typically higher since they are calculated based on your total annual sales not just credit card sales. Interest rates are significantly lower than many of our competitors and there is no penalty to pay off early. Plus, tax returns and financials are not required on amounts up to $300,000.
Our Bridge Loan is a perfect choice if you’re waiting on conventional financing, making a large equipment purchase, opening a new location or trying to stabilize your cash flow. This type of bank financing is also an excellent alternative to acquiring equity partners whereby you surrender ownership (and the corresponding profits) for the life of the business.
If you’re a business owner seeking a bridge loan with guaranteed rates, fixed terms, and affordable payments, fill out the form to the right, and we’ll provide you with a free, no-obligation quote within 24 hours. Call 1-866-702-4430.