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.
*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.
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.
Use the sliders below to indicate your annual sales, time in business and credit score.
| Term | Loan Amount |
|---|---|
| 12 month | |
| 18 month | |
| 24 month | |
| 36 month |
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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