Business Loans • Revolving 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 fit your individual circumstances and business goals.

At ARF Financial, one of our seasoned loan consultants will help you capitalize on your business’s potential with fast access to the most innovative loan products available. We make business financing easy! That’s why we’re the #1 trusted source for restaurant loans, hospitality financing, and retail funding!

We have built exclusive relationships with community banks across the country, so you can acquire a bank loan fast, with higher loan amounts, longer terms and fixed payments that make sense for your growing business. 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 information 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.”
Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

When comparing business lenders, SIZE MATTERS! Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’ve got big plans for your business, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund those projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and 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.

Loan Program Advantages
Access to loan amounts from $5,000 to $1,000,000
Fixed repayment terms up to 3 years
Fast approvals and fundings in less than a week
Streamlined underwriting process with minimal documentation
Revolving Lines of Credit with Interest-Only Options
Defer up to 50% of the loan’s principal for lower, flexible payments
All loans come with an optional line of credit
Unlimited line of credit drafts for up to a year
Unlimited partial principal paydowns for up to a year
Early payoff options are available without paying all the interest

Industry-Leading Loan Products


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 max loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!


Interest-Only Revolving Line of Credit

Think of it like our Bankroll Revolver on steroids. Our IO-Bankroll Revolving Line of Credit has all the great benefits of Bankroll coupled with an interest-only period of up to 1 year! Clients can enjoy unlimited draws and partial principal paydowns and only pay the interest for up to a year!


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 gives you quick access to amounts from $50K to $750K without collateral and low, interest-only payments for up to a year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!


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:

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

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

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

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.

You invest in the care of your patients. We invest in you. Our loan products provide a healthy lifeline to your growing business.

As a wholesaler, you have a wealth of moving parts to manage. That’s why we make our financing simple so you can continue to thrive.

Client Testimonial Video

Monica Pope
Restaurant Owner from Houston, TX

“It’s been a 25-year process of locating the right financing for my restaurant – 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 entire concept, doubling 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


Quick and Easy Online Application


The quickest way to apply is our convenient online application. Get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit!