Since 2001, we’ve helped over 7,000 single-unit, multi-unit, and national franchisees obtain loan proceeds in excess of $850,000,000.

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!

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

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!

Interest-Only Flex Pay Loans

To help you overcome the challenges due to COVID-19, we’ve introduced our new Interest-Only Flex Pay Loan. It gives you the confidence to borrow now with low, interest-only payments for up to 5 months! After the interest-only period, you have the option to pay off the principal, or we’ve created the perfect safety net – a built in 60-week rollover amortization. With flexibility like this you can truly borrow with confidence!

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!

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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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.