Working Capital Loans

Working capital loans can help if you are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? Working capital loans can help! When you feel cash is tight or that your business lacks the funds to keep everyday operations running smoothly, know that ARF Financial is here to help. Our goal is to provide you the restaurant financing you need to overcome these short term challenges while gaining momentum for long term success! Call us today to find out more about our working capital loans!

What is a Working Capital Loan?

A working capital loan is a financing product or loan designed to help restaurant owners finance their everyday business operations. Working capital loans from ARF Financial can provide the funding your business needs without the hassle of a traditional bank loan or the hidden fees and payment surprises of a merchant cash advance.  Our approval process is streamlined with minimal documentation and funding can occur in days with no collateral needed! Our loan terms are fixed so your payments won’t fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you’re looking to infuse your company with cash quickly and without the need for collateral, ARF’s unsecured working capital loans are just the thing you need!

Benefits of a Working Capital Loan

Our restaurant financing is a loan not a cash advance, so repayment is not tied to your credit card receipts.

We offer longer terms from 12 to 36 months.

Get access to higher loan amounts with low, fixed payments.

Apply online with instant approvals and fundings in 3 days.

All our loans come with 24-hour access to a renewable line of credit.

The interest you pay is tax deductible, further lowering your cost of funds.

There are no hard credit pull so your credit score won’t be affected.

What are Working Capital Loans Used For?

At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, small business owners use our working capital loan for a variety of business reasons. Working capital loans are ideal for those operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected.

Here are some examples of how restaurant owners use the funds.:

Equipment financing

Purchasing inventory


Expansion projects

Pay for franchise obligations

Open a new location

Liquor licenses

Operating capital for slow periods and seasonality

Add catering and take-out services

Upgrade your POS / computer system

Revamp your restaurant’s menu and bar offerings

Buy out a partner

Start an advertising / marketing campaign

Pay your business taxes

Pay off more expensive debt

How To Qualify For A Working Capital Loan

Working capital loans are approved based on different qualifying criteria. No single requirement will guarantee a working capital loan. However, restaurant owners should be prepared to produce key documents about their business and other personal data to receive an approval.

Time in Business

A key criteria to qualify for a working capital loan is the length of time the restaurant has been operating. At ARF Financial, restaurant owners with a minimum time in business of 18 months can qualify for a working capital loan. Again, we will work with your unique circumstances as much as possible up to and including balancing the desired loan amount with credit scores, cash flows, and time in business.

Business Checking or Savings Accounts

When it comes to qualifying for a working capital loan, a checking account gives definitive evidence of the business’ cash flow. If your restaurant does not have one, it can create difficulty in assessing the creditworthiness for a working capital loan. Typically, we will need to review at least three months of a merchant’s most recent bank statements. This will corroborate information from your accounting documents as well provide insights into your cash flow and the overall financial health of your business.

Credit Score

Please note we did not list credit score as the first or most important qualifying criteria for a working capital loan. ARF Financial uses a mix of criteria working with your unique circumstances in order to make a final decision. A minimum credit score of only 551 is required. We have also partnered with many bank partners to offer even more options for restaurant owners with less than perfect credit but good operating potential.

Annual Sales

At ARF Financial, a business’s annual revenue is a factor in calculating loan amount. Our minimum annual sales requirement is $200,000 to qualify for a working capital loan.

Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt to credit ratio in order to qualify for our working capital loans. If your restaurant is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.

How To Apply For A Working Capital Loan

If you are a business owner looking for a working capital loan with guaranteed rates, fixed terms and affordable payments, simply begin your online quote today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online quote is free and there are no hard credit pulls so your credit will not be affected. Get your instant online quote today! 

Loan Calculator

Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy


ARF Financial LLC is an exclusive 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.

Loan Program Advantages

Fast & Convenient

Get approved for up to $750,000 with a quick, easy, low doc application and approval process. Funding in 3 to 5 days from application.

Fixed Payments

Loan terms are available up to 36 months, yielding low fixed weekly payments. Budget confidently with clear and transparent terms that never change.

Tax Deductible Interest

With a loan from ARF Financial, the interest you pay is tax deductible further lowering your cost of funds.

One-On-One Support

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

$3,000 New Client Reward

We’re so confident you’ll love our new loan terms we’re willing to give our new clients a free AMEX Gift Card worth up to $3,000!*

*Receipt of the Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $25,000 within 30 days of merchant’s completed application to receive a $1,000 gift card, borrowing $50,000 to receive a $2,000 gift card or borrowing $100,000 or more to receive the $3,000 gift card. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.