Since 2001, we’ve helped over 6,500 single-unit, multi-unit, and national franchisees obtain loan proceeds in excess of $800,000,000.
Why We’re Different
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 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!
Our Featured Products
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!
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!
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!
Interest Only Revolving Line of Credit
When you have big plans for growth don’t let your bank slow you down. Quickly access up to $750,000 with no need for collateral and only pay the interest for up to 1 year. Bridging your financial gap with super low interest-only payments that maximize your cash flow makes great business sense!
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.
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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