Since 2001, we’ve helped over 18,000 single-unit, multi-unit, and national franchisees obtain loan approvals in excess of $1 billion.

Unsecured Business Loans • Lines of Credit • Interest-Only Loans

Why We’re Different from Other Lenders

As the leading financial services company for restaurateurs and hospitality businesses across the country, backed by decades of experience, we know a thing or two about business owners like you. What’s more, we live and work in your community, understand the local market, and we’re committed to offering the right financial products you need to fulfill your individual business goals.

At ARF Financial, our personal loan consultants will help you capitalize on your business’s potential with quick access to the most innovative and flexible loan products available. We make business financing easy! That’s why we’re the #1 Trusted Lending Source for Restaurant Loans, Hospitality Financing, Retail Funding and Other Small Business Loan Products.

We have built relationships with banks around the country, so you can acquire a bank loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need, with manageable payments that won’t increase as revenue grows.

One-on-one support is available. Click here to locate a loan consultant in your area!

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ARF Financial Has Expanded to Support Your Industry

We service more than just restaurants! Over the past two years, we’ve perfected our underwriting model to service the needs of a broader list of industries, while providing the same unique loan products and superior customer service. Here are just a few:

Our Featured Loan Products

Flex Pay Loans

Flex Pay allows our clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now! Our Flex Pay Loan is the perfect solution to get your project completed and begin earning a positive return on your investment now – without the need for collateral and without the stress to your cash flow!

Unsecured Lines of Credit

As a successful business owner, you know it pays to be prepared. And, with a Line of Credit from ARF Financial, you will be! As business conditions change, you can simply draw from your line as needed. The best part? You only pay for what you borrow, and your rate is locked in for a full 6 months!

Working Capital Loans

When cash is tight due to an unexpected dip in sales or a slow seasonal period, don’t feel forced to scale back your operations or postpone growth opportunities. A Working Capital Loan from ARF Financial can provide the surge of capital you need quickly and without the need for collateral!

Client Testimonial

Monica Pope
Restaurant Owner from Houston, TX

It’s been a 25-year process of locating the right short-term financing – just all dead ends… I met with Celeste from ARF Financial on a Monday and it was a done deal… I used the money to re-invent my concept and I doubled my sales from $1,000,000 to #2,000,000 a year, it was crazy!”

Our one-on-one support can help you succeed!. Use the button below to find a loan consultant near you.

What Our Customers Are Saying

$3,000 New Client Reward

We’re so confident you’ll love our flexible 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.

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Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps. It only takes 10 minutes and won’t affect your credit.