Since 2001, we’ve helped over 6,500 single-unit, multi-unit, and national franchisees obtain loan proceeds in excess of $800,000,000.

About Us


As the #1 direct lender 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 the potential of your business with quick access to the most innovative and flexible loan products. 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!

How it Works
Through our online application, you can apply today and receive approval in just 24-48 hours and fundings within 3-5 days!
When You Succeed
With ARF Financial, your loan isn’t tied to credit card receipts, which means that you keep the additional profit generated from your hard work!
What it Costs
Our unsecured business loans require no need for collateral and have fixed weekly payments, helping you avoid any surprises.

Our Featured Products

Flex Pay Business Loans

Are you ready to take advantage of a high ROI opportunity but hesitate due to cash flow concerns? Don’t delay! With a Flex Pay Loan from ARF Financial, you have the ability to defer up to 50% of your loan principal into the future for the lowest possible payments now – with no disruption 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 an unexpected dip in sales or slow seasonal periods, don’t feel forced to scale back operations and business growth! 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! Find a consultant near you.

$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!

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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