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Michael Potiker

My name is Michael Potiker, and I’ve been working with restaurants my entire life, first as a food and beverage photographer where I began to notice that many of the owners I worked with had a need for fast and affordable bridge financing and working capital.

My unique approach to solving the problems frequently confronted by restaurant owners have proven time and again to benefit their businesses by enabling them to expand, remodel, and address a multitude of issues ranging from partnership buyouts to inventory acquisition.

I look forward to discussing our unique loan products and know I’ll be able to provide a winning financial solution for you. Industry experience counts, and my years of working with restaurant owners and independent small businesses provide me with valuable insight that is extremely beneficial to the extremely busy restaurant owners I love working with.

Restaurant owners call us first because we are not a cash advance or factoring company. We have nothing to do with your credit card transactions. The financing you receive is a loan which makes the interest you pay tax-deductible, resulting in a lower overall cost of funds. The payments you make are fixed and will not change during the term of the loan – as your revenue grows you keep more of it.

Contact me at (858) 256-5727, email me, or fill out the quote form and I can get you an immediate, customized loan proposal.

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* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy

ARF Financial LLC is a direct lender and a 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.

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  • Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.
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ARF Financial LLC is licensed by the California Department of Business Oversight as a California Finance Lender License No. 6037958.

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