Interest-Only Flex Pay Loans and Restaurant Financing Options

Interest-Only Flex Pay Loan

PAY ONLY THE INTEREST FOR UP TO A YEAR!

ARF Financial has long had the most aggressive interest-only product in the marketplace, our Interest-Only Flex Pay Loan. Well, we decided to make it even better. We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn’t have to. Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year! Even bettter, it also carries a Line of Credit with unlimited draws for up to a year. After the interest-only period, you have the option to pay the principal, or we’ve created the perfect safety net – a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!

Powerful Upgrades to an Already Amazing Loan Product:

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The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).

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Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).

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The product will now carry a line of credit available for their entire interest-only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount taken.

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During the line of credit period, you may take unlimited* draws of $25,000 or more up to your maximum loan approval amount.

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You can even take your initial loan amount via several draws on consecutive business days to allow for ease of early payoff when funds become available. The minimum first draw is $50,000 with unlimited subsequent draws of $25,000 or more. Each IO Flex Pay Loan (or draw) will have minimum finance charges due for the entire interest-only period upon early payoff.

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*To qualify a merchant must have been in business 4 years or more, with a guarantor that owns a home and has an Equifax Beacon Score of 651 or more. Merchant draw requests will receive a desktop underwriting to ensure the Merchant’s creditworthiness has not materially changed since the original Loan was initiated. The Merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days of receipt.

Pay Less When It Matters

Use our funds to complete your projects with high return on investment, pay only the interest for the first 12 months, and take advantage of the low payments!

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Higher Loan Amounts

You can access loan amounts up to $500,000 if you own a single entity or up to $750,000 with multiple entities.

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Our Lowest Rate

Well qualified borrowers with longer time in business, strong and consistent annual sales numbers, and good credit, can qualify for our lowest rate starting at 15%.

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The Perfect Safety Net

When the interest-only period has ended, you have the option to pay off the principal, or we’ve built in the perfect safety net rollover amortization up to 2 years.

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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

Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG this year, 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 your big 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: