Decades of Financing Opportunity
Backed by decades of experience, ARF Financial is a leading financial services company focused on providing easy to obtain, unsecured business loans and lines of credit for merchants nationwide who otherwise may not be able to secure the funding they need. Our team of seasoned loan consultants have helped tens of thousands of restaurant, hospitality and retail business owners secure over $1 billion in funding.
ARF has forged exclusive relationships with state-chartered community banks across the country, so you can obtain the funds you need quickly with no need for collateral and limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms up to 36 months and affordable payments that won’t increase as revenue grows – maximizing your return on investment without interrupting your cash flow.
ARF Financial LLC is a California limited liability company licensed by the California Department of Business Oversight. License #603 7958.
Why Choose ARF Financial?
Unsecured Bank Loans
ARF has forged exclusive relationships with banks across the country, so you can obtain the funds you need quickly with no need for collateral and limited paperwork.
Decades of Experience
Since 2001, we’ve supported tens of thousands of businesses nationwide of all shapes and sizes by helping them secure hassle-free working capital in excess of $1 billion.
Local Financial Consultants
Being local matters. We live and work in your area and understand the local marketplace. We are committed to work side-by-side with you to obtain the capital you need to grow.
Experts in Your Industry
Whether you’re a single-unit or multi-unit operator, or a nationally recognized chain, we will provide you access to the right loan products for your individual business situation.
Maximize Your Profits
We make sure our clients get the funds they need quickly, with fixed payments that won’t increase as revenue grows – maximizing their return on investment.
Flexible Loan Products
It’s our job to understand your business’s unique circumstances, your goals, your financing needs, and then customize a loan with the flexibility to meet those needs.
Our online application is simple and takes about ten minutes to complete. It requires minimal documentation, and loan approvals are granted within 24 to 48 hours.
We offer fixed repayment terms up to 36 months that are clearly spelled out ahead of time, so you know exactly how much you will pay back and when your loan will be paid off.
“>Completing an application only takes 10 minutes and won’t affect your credit.
When choosing the right business lender, it’s important to compare loan size and repayment terms because…
Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance.
Expansion projects, renovations, and additional locations are all big decisions that can bring big returns. But, 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. 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!
Completing an application only takes 10 minutes and won’t affect your credit.
Meet Our Management Team
ARF Financial has flourished for decades under the guidance of some of the most experienced financial experts in the industry. Together, they have put this knowledge to work on behalf of business owners nationwide who have struggled to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward.
Start Your Career With ARF Financial
Do you understand the many challenges that restaurant owners and entrepreneurs face every day? Are you passionate about empowering small businesses? Then ARF Financial might be the perfect place for you to grow. We are always looking to expand our team of personal financial consultants, so visit our careers page for any current career listings!
Answers to Common Questions
Who Is ARF Financial?
ARF Financial is a California limited liability company and a finance lender licensed by the California Department of Corporations. Since 2001, we’ve been providing short-term working capital loans and lines of credit to restaurant/hospitality businesses and retailers nationwide. We’ve helped thousands of businesses receive approvals on more than 18,000 loans with proceeds in excess of $1 billion.
Why Use ARF Financial?
As a licensed lender, with decades of experience working with FDIC Insured banks, you can be assured that we adhere to the highest level of business standards and transparency. In addition, since we are a licensed lender, the interest you pay is tax deductible further reducing your cost of funds.
How much can I qualify for and how does the process work?
You may qualify for loan amounts up to 33% of your business’s gross annual sales from $5,000 to $750,000 with no collateral required. Once we’ve determined how much you qualify for, you can choose the amount and repayment term (up to 36 months) that works best for your business. Repayment is simple! Once a week an ACH debit is processed on the authorized business checking account for the amortized payment until the loan is paid off. Any funds that are not used can be quickly accessed via a line of credit.
What Can I Use the Money For?
Merchants can use our funds for any business related expense. Things like renovations, expansion projects, additional locations, purchasing new equipment, buying out a partner, advertising and marketing, large tax payments, or to simply stabilize cash flow.