The Ultimate Revolving Line of Credit for Manufacturers

Smart manufacturers know when opportunity knocks, you better be financially prepared to answer. That’s why it’s so important to have quick and easy access to affordable working capital to seize upon those growth opportunities. And when you’re faced with an unexpected expense, you’re financially prepared to handle it. With unlimited draws and partial principal paydowns during the revolving period, a Bankroll Revolving Line of Credit is a must for manufacturers with goals to grow and be more profitable.

Bankroll Revolving Line of Credit Advantages:
Approvals from $25,000 to $1 million in 24 to 48 hours.
Pay only the interest on your outstanding balance for up to a year.
Repayment terms up to 3 years with low, fixed weekly payments.
Unlimited draws of $5,000* or more the during revolving period.
Unlimited principal paydowns of $5,000 or more the during revolving period.
A revolving period of up to 1 year.
Every payment made and partial principal paydown frees up line availability.

*Minimum initial draw of $5,000 or 10% of the line approval, whichever is higher. Unlimited draws and partial principal paydowns are only available during the revolving period. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure the merchant’s creditworthiness has not materially changed since the original loan was initiated. Updated bank transactional data via PLAID or via paper statements will be required prior to draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days of receipt. ARF Financial is licensed by the California Department of Financial Protection and Innovation as a California Finance Lender, License No. 6037958. Loan approval, loan amount and interest rate are based upon applicant’s creditworthiness and ARF’s standard underwriting guidelines.

Minimum Qualifications – Are We a Match?


Time in Business

Applicant must own the business and be open and operating under the same ownership for at least 1 month (30 days).


Annual Sales

Manufacturing businesses must generate a minimum of $200,000 in gross annual sales ($17,000 per month) to qualify.


Credit Score

We can work with manufacturers with less than perfect credit. Applicants must have a minimum Equifax credit score of 551.


Short-Term Debt

Debt consolidation is possible, but applicant cannot have more than two merchant cash advances (short-term debt) to qualify.


No Bankruptcies

Less than perfect credit is not a barrier, but applicants with personal or business bankruptcy filings in the last five years are unqualified.

Funding Your Success

Unlike other financial services companies, we employ a team of professional loan consultants who live and work in your community, understand the challenges you face as a manufacturer, and are committed to sticking by your side even after your loan funds. Your consultant will help you get approved quickly, make sure you get the funding you need, and remain with you over the life of your business. If you are unsure about your financing needs or prefer a more personalized concierge experience, call our toll free or click on the link below to send an email to one of our consultants.

Call (888) 416-9350 to speak to an experienced loan consultant.

Line of Credit for Manufacturing

A line of credit is an approved loan extended to manufacturing companies which allows them to draw upon when the need arises. This type of manufacturing company financing allows manufacturing company owners to pull funds from their line of credit as needed and only pay interest on the money they take. Manufacturing company owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Thousands of manufacturing company owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Calculate the Potential Loan Amount for Your Manufacturing Business
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Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Home ownership – Home must be in your name. Bankruptcy – Includes individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.
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Terms and Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

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