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

Why We’re Different from Other Lenders

As the leading financial services company for tens of thousands of businesses across the country, backed by decades of experience, we know a thing or two about 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, customized to fulfill your individual circumstances and business goals.

At ARF Financial, our seasoned 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 exclusive relationships with state-chartered community 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.

Watch Our Company Video
Find out more about ARF Financial from someone who has been around since the beginning.
Celeste Deal-Maunoir
“It’s our job to understand your business goals, your financing needs, and then customize a loan to meet those needs – especially one that maximizes your return on investment.”
When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

When comparing business lenders, SIZE MATTERS! ARF Financial provides loan amounts over six times larger and repayment terms more than three times longer than a Merchant Cash Advance. A larger loan amount means you can invest in opportunities that will make a significant impact to your bottom line, and a longer term means your payments will be low enough so they won’t interfere with your cash flow!

Check out the comparison below.

*Completing an application only takes ten minutes and won’t affect your credit.

Our Unique Loan Products


BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the maximum loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to a full year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!


Unsecured Lines of Credit

With an unsecured Line of Credit from ARF Financial, when opportunity comes knocking, business conditions change or unexpected expenses pop up, you’ll be prepared. Our Line of Credit gives you 24-hour access to 5 separate loan drafts over a 6-month period. You’ll have the freedom to draw funds as needed and only pay for what you borrow!


Flex Pay Loans

Many business owners simply don’t dream big because they believe they can’t afford to borrow the funds necessary to make those dreams come true. Our Flex Pay loan solves that problem! Flex Pay allows you to defer up to 50% of your loan principal into the future, resulting in the lowest payments now! So go ahead and dream BIG!

We Have 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:

You invest in the care and treatment your patients. We invest in you. Our funding provides a healthy lifeline to your growing business.

Your shoppers rely on your consistency to stock the products they need. We supply the working capital necessary to keep up with that demand.

Hardware store owners know how important it is to establish a relationship with a trusted and reliable source of working capital.

Pet care is important to your clients, cash flow is crucial to you. The funding options we have are a perfect fit and hassle-free.

We have financing options specifically designed for your manufacturing needs. Large or small, we can provide the funds.

As a wholesaler you deal with a lot of moving parts. We make our financing simple so you can continue to thrive.

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

Get Approved Fast with Our Online Application


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.

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