Unsecured Restaurant Financing & Restaurant Loans

As the restaurant financing experts, our team of restaurant loan consultants specialize in providing the trusted lending services you need to keep your restaurant profitable and on track to achieve your long-term goals. It doesn’t matter if you’re a small mom and pop restaurant, a multi-unit operator, or a nationally recognized chain, we can help you capitalize on your business’ potential with access to the right restaurant financing products, and we do it fast.

At ARF Financial, our focus is to get you the restaurant financing capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop.  Here are some valuable options to put  restaurant financing to work in your business:

Upgrading your kitchen with new equipment

Opening or expanding to a new location

Improving your inventory

Overcoming short-term cash gaps

Renovating or remodeling your existing establishment

What is a restaurant loan?

A restaurant loan is a lending product designed specifically for owners and operators of a restaurant and other hospitality companies. A restaurant loan takes into consideration the unique needs of restaurants including seasonality, business model, partnership structure and timeliness of funding for emergencies such as kitchen repairs.

For over 17 years, ARF Financial has accommodated the unique needs of the restaurant and hospitality industry, offering restaurant loans in the form of lines of credit, flex pay loans, bridge loans and working capital loans.

Our simple, 5-step restaurant loan quote allows approvals in 24 hours. It is free and does not impact your credit score. Our loan consulting team can also walk you through the many restaurant loan options available for your needs. Simply choose your state on the map and contact your local loan consultant for information on our restaurant loans.

Who Needs A Restaurant Loan?

Restaurant loans and restaurant financing is available to any restaurant owner who needs capital to fund projects such building renovations, restaurant expansions, revamping restaurant menu and bar options, marketing and advertising, buying a new restaurant location, expanding inventory purchases or simply have available cash on hand for emergencies and opportunities.

Who Qualifies for a Restaurant Loan?

Restaurant loans are based on many qualifying criteria. No single requirement will guarantee a restaurant loan. However, restaurant owners must be prepared to produce key documents about their business and other personal data to guarantee the restaurant loan.

Time in Business

A key criteria of a restaurant loan is the number of years the restaurant has been operating. Even if your restaurant has outstanding cash flow and an excellent credit score, you still may not receive a restaurant loan if the time in business falls short of the financial institutions required minimum. At ARF Financial, restaurant owners need to be in business for a minimum of one month in order to qualify for a restaurant loan.

Business Checking or Savings Accounts

When it comes to qualifying for a restaurant loan, a checking account gives definitive evidence of the business’ cash flow, if your restaurant does not have one, it can create a difficulty in assessing the creditworthiness for a restaurant loan.

Loan Amount

Believe it or not, the amount of the restaurant loan also affects the approval process. The amount of the loan will affect the repayment options available which will, in turn, affect the amount of the weekly or monthly repayment amount. Restaurant owners with smaller, consistent cash flows may not qualify for the larger loan amounts which will require larger weekly or monthly payments.

2018 Best Restaurant Financing
& Restaurant Loans

ARF Financial has restaurant loans and restaurant financing options designed specifically for the restaurant and hospitality industry.

Business Loans for Restaurants

You’ve worked hard to get where you are and you’re not short on ideas to grow your restaurant business. All you need is the capital that banks are reluctant to provide. Maybe you’ve considered opening a new location or renovating your existing facility. It could be purchasing new equipment or adding a patio or a bar to attract more customers. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential – often when conventional banks simply won’t consider it. You can access between $5,000 and $750,000 in restaurant loans without the need for collateral and with limited paperwork.

A Restaurant Loan Without the Hassle

ARF Financial has built relationships with banks around the country, so you can acquire a restaurant loan quickly without collateral and with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won’t increase as revenue grows. With an ARF Financial restaurant loan, you actually are rewarded for your success and you keep more of what you earn.

Our Restaurant Loans Feature

  • A Renewable Line of Credit with 24-hour availability
  • 48 hour approvals and fundings in as little as 3 days
  • No collateral required on amounts up to $750K
  • Terms from 12 to 36 months with low weekly payments
  • Low rates, fixed payments and no hidden fees
  • Tax deductible interest and early pay off options

Way Better Than a Cash Advance

A merchant cash advance is not a loan. It’s a form of factoring. This is when a financial services company buys your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.

restaurant loan advantages restaurant loan chart

The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds to your business significantly.

An unsecured restaurant loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you reap the benefits of increased sales, not the cash advance company.

Restaurant Financing and Restaurant Loans That Fit Your Business

Single-Unit Restaurants

Replace or repair equipment, overcome a financial hurdle, or seize an opportunity to grow with ARF Financial.

Multi-Unit/
Franchise/
Quick Service

Seize the next opportunity to expand your business while maximizing your return with flexible financing.

Bars & Taverns

Upgrade your space, refurbish your bar, improve your inventory, and more with our tavern financing options.

Caterers

Expand your menu, hire new staff, grow your operations, or move into a bigger space with loan terms that make sense.

Bakeries & Cafes

Explore a new menu item with a lender who is uniquely poised to help your business with the funding it needs.

Specialty Food Shops

Keep your inventory unique and of the highest quality with the right funding in place at all times.

Mall Food Outlets

Hire more staff, replace your equipment, and maintain food and supply costs with flexible funding options.

Gourmet Food Stores

Take advantage of new opportunities to grow your store or increase product offerings with a trusted lending partner.

Funding That Fits Your Business

Single-Unit Restaurants

Replace or repair equipment, overcome a financial hurdle, or seize an opportunity to grow with ARF Financial.

Multi-Unit/
Franchise/
Quick Service

Seize the next opportunity to expand your business while maximizing your return with flexible financing.

Bars & Taverns

Upgrade your space, refurbish your bar, improve your inventory, and more with our tavern financing options.

Caterers

Expand your menu, hire new staff, grow your operations, or move into a bigger space with loan terms that make sense.

Bakeries & Cafes

Explore a new menu item with a lender who is uniquely poised to help your business with the funding it needs.

Specialty Food Shops

Keep your inventory unique and of the highest quality with the right funding in place at all times.

Mall Food Outlets

Hire more staff, replace your equipment, and maintain food and supply costs with flexible funding options.

Gourmet Food Stores

Take advantage of new opportunities to grow your store or increase product offerings with a trusted lending partner.

Partnerships & Offers

ARF Financial has secured exclusive relationships with banks across the country to help you obtain the financing you need to keep your business moving forward. Unlike other lenders, we go even further to ensure your business’ profitability over time with no-cost value add-ons for our cherished clients.

Through our New Client Rewards Program you can receive a free Amex Gift Card up to $3,000* – no strings attached – after your loan funds.

BOOST is our way of giving you access to valuable products and services that can help you drive revenue and customers to your business to power future performance.

Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business’ creditworthiness.

Receive an immediate quote and approval for funds in 24 to 48 hours when you apply online!

Use our Loan Calculator to find out how much you qualify for.

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