Flex Pay Loans – Borrow Now, Grow Now, Pay Later
That’s the Power of Flex Pay Loans!

Flex Pay loans are perfect if you are looking to renovate or remodel. Planning to purchase new equipment or add an outdoor patio? Then Flex Pay loans can help! Maybe you’re considering opening another location or purchasing an existing franchise? Flex Pay loans can help with that too! Our Flex Pay Loans are the perfect solution to fund your business growth, and the best part is, it maximizes your cash flow while providing you the capital you need now! Call us today and to find out more about our flex pay loans!


Pay Less
When It Matters

Defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right.


Pay Weekly,
Not Daily

Budget confidently, increase your cash balances, and avoid surprises with low, fixed weekly payments that are not tied to your daily credit card receipts.


Pay On
Your Terms

Flexible repayment options allow you to amortize the deferred principal over time, roll it into the future, or simply refinance it.


Borrow Now and
Get Rewarded

New client relationships are very important to us. After you loan funds we want to reward you with a free AMEX Gift Card up to $3,000!*



A seasoned loan consultant will personally assist you through the application, approval, and funding process. Their expert guidance will help you customize a loan that meets your specific business needs.

The Benefits of Flex Pay

Flex Pay Loans from ARF Financial gives you the ability to defer up to 50% of the loan principal into the future for the lowest possible payments now. This unique flexibility keeps you in control and provides the lowest cost of money while maximizing your cash flow. You can seize high ROI growth opportunities now and defer the principal until you are ready to pay. Our repayment options are so flexible that you can pay back the deferred principal in a lump sum, refinance it, or extend your terms to keep your payments at the same low amount! Our focus with Flex Pay is simple: provide the financing you need to grow, with the loan terms that make sense, and keep your business moving forward and cash rich! That’s flexible financing made easy!


Access to a renewable
Line of Credit with 5 separate
loan drafts to use over a
6-month period.

UP TO 50%

Principal deferral option
resulting in dramatically
lower payments now.

$5,000 – $750,000

Loan amounts available with no collateral required, limited paperwork and no hidden fees.

24 to 48 HR

Approvals and loan
fundings in as little
as 3 to 5 days.

$3,000 New Client Reward

We’re so confident you’ll love our Flex Pay loan terms, we’re willing to give you a free AMEX Gift Card worth up to $3,000 just for using it!*

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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.