David Ruocco

Servicing New York

David Ruocco- New York Loan Consultant

David Ruocco

I am David Ruocco, Vice President and Senior Loan Consultant with ARF Financial. I have over 12 years experience helping restaurants, retailers and professionals like you get the cash they need to grow their business in both New York and New Jersey. As a small business owner for twelve years, I understand the importance of having access to working capital. We are hospitality specialists and understand your unique challenges and have products to fit your needs. I can offer straightforward loan options that feature fixed terms and payments with no collateral required. Whether you are looking to expand to a new location, renovate, purchase equipment or simply stabilize your cash flow, I’m here to help you.

An Experienced Loan Consultant Gives You the Advantage

Restaurant owners call us first because we are not a cash advance or factoring company. We have nothing to do with your credit card transactions. The loan you receive is tax deductible resulting in lower overall cost of funds. The payments you make are fixed and will not change during the term of the loan – as your revenue grows you keep more of it. Contact me at (832) 202-5345, email meor click the apply button below and I’ll work hard to get you the funding you need with the terms that make sense!

Product Information

Line of Credit

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Flex Pay Loan

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Frequently Asked Questions

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Use our Business Loan Calculator to Find Out How Much You Qualify For:

Business Loan Calculator

Use our loan calculator to determine your potential loan amount:

Loan amounts may be increased with the review of tax returns and financials. *Must be operating under the same ownership and concept. *2 Home must be in your name. *3 Includes personal and business bankruptcy

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Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Loan amounts may be increased with with the review of tax returns and financials.

* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy

TERMS AND CONDITIONS

ARF Financial LLC is a direct lender and a 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 personal 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.