{"id":24684,"date":"2017-12-04T17:40:44","date_gmt":"2017-12-04T17:40:44","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24684"},"modified":"2025-07-02T13:11:10","modified_gmt":"2025-07-02T17:11:10","slug":"restaurants","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/","title":{"rendered":"Restaurants"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1648256281335{margin-bottom: 0px !important;padding-top: 3% !important;}&#8221;][vc_row css=&#8221;.vc_custom_1652048641467{margin-top: 25px !important;margin-bottom: 0px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1715451927118{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 34px; line-height: 48px; color: #00659e; font-weight: bold;\">Restaurant Loans and Restaurant Financing<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1715451698351{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #000000; font-size: 27px;\">Is Your Restaurant Ready to Grow?<\/span><\/p>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"font-size: 23px; font-weight: normal; line-height: 31px;\">Revolving Lines of Credit with Interest-Only Options<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1645197944256{margin-bottom: 0px !important;}&#8221;][vc_column_inner][vc_column_text]As the restaurant industry experts, our team of seasoned loan consultants specialize in providing the trusted lending services you deserve to keep your restaurant profitable and on track to achieve your long-term goals. It doesn\u2019t matter if you\u2019re a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/single-unit-restaurants\/\">single-unit operator<\/a>, a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\/\">multi-unit operator<\/a>, or a nationally recognized chain, we can help you capitalize on your business\u2019 potential with access to the right restaurant financing products, and we do it fast.<\/p>\n<p>ARF Financial has a well-established track record of helping restaurant owners with a variety of financing solutions to tackle any growth project or overcome a seasonal slow down. Our focus is to get you the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment.<\/p>\n<p>Running a restaurant takes much more than just culinary skills. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to restaurant loans. This means that many owners are forced into more expensive financing options such as merchant cash advances to make ends meet.[\/vc_column_text][vc_empty_space height=&#8221;22px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1647345465951{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 10px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1651593832625{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 29px;\">When choosing the right business lender, it\u2019s important to compare loan size and repayment terms because&#8230;<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;appear&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 80px; font-weight: bold;\">Size Matters!<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221;][vc_column][vc_row_inner][vc_column_inner][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1652096563113{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Big projects usually mean big upfront investments, something you can\u2019t get from a merchant cash advance. If you\u2019re ready to take the plunge and go BIG this year, we have financing that\u2019s 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. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. 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\u2019t interfere with your cash flow!<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 22px; color: #00659e; letter-spacing: 1px; font-weight: 600;\">CHECK OUT THE COMPARISON<br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1646319369111{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40577&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40578&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-69e15360710161605 .gem-button svg {fill: #00659e;}.thegem-button-69e15360710161605 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360710161605     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 15px;\">Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706814593495{margin-bottom: 0px !important;background-color: #002b59 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1685461447604{margin-top: -6px !important;margin-bottom: 28px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 32px; letter-spacing: 5px;\">NEW CLIENTS RECEIVE BIG REWARDS<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706814599423{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;47121&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;7\/12&#8243;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">Up to $2,500 in Rewards for New Clients!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">New client relationships are very important to us, and should be rewarded. For a limited time, new borrowers will receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 01\/31\/2024.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1704986299092{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant&#8217;s approval under ARF Financials&#8217; standard underwriting models and policies. Merchant&#8217;s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 01\/31\/2024. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 01\/31\/2024.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-69e153607112b7621.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e153607112b7621.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e153607112b7621 .gem-button svg {fill: #ffffff;}.thegem-button-69e153607112b7621 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e153607112b7621     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFPreQualify\" target=\"_blank\">APPLY ONLINE NOW<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1678091511681{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;5\/12&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;46755&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;7\/12&#8243;][vc_column_text]<\/p>\n<p style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left;\"><span style=\"color: #00659e; line-height: 40px;\"><span style=\"color: #ffffff;\">A Sweetheart Deal Worth up to $5,000!<\/span><br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">With Valentine\u2019s Day approaching, we\u2019re giving our new clients some extra love this month. We\u2019re giving away $500 Amex Gift Cards for every $50,000 they draw from their line of credit. This promo maxes out at $5,000 worth of gift cards. Loans must fund on or before February 28th, 2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*To qualify for this promotion, merchant must borrow $50,000 or more on or before February 17th, 2023. Each additional increment of $50,000 in cash out qualifies for another $500 gift card. Maximum gift card earnings is $5,000. Receipt of the $500 Amex Gift Card is conditional based upon the following: Merchant&#8217;s approval under ARF Financial&#8217;s standard underwriting guidelines, merchant&#8217;s acceptance of an approved loan amount, rate, and term; and, merchant borrowing a minimum of $50,000 cash out. Promotion is only valid on loans with terms of 39 weeks or longer. This offer is not guaranteed unless the application is made by the merchant, and the merchant borrows in accordance with the guidelines provided herein. Hurry, loans must fund on or before February 17, 2023 to qualify. Line of credit draws receive a desktop underwriting to ensure the Merchant\u2019s creditworthiness has not materially changed. The Merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. We strive to fund all qualified draw requests within 48 hours of receipt.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360711d23434 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360711d23434 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15360711d23434    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1675455491557{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;5\/12&#8243;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;35386&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;7\/12&#8243;][vc_column_text]<\/p>\n<p style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left;\"><span style=\"color: #00659e; line-height: 40px;\"><span style=\"color: #ffffff;\">Borrow $100,000 or more and receive a $1,000 Amex Gift Card!<\/span><br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">For a limited time, we\u2019re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Receipt of the $1,000 Amex Gift Card is conditional based upon the following: Merchant&#8217;s approval under ARF Financial&#8217;s standard underwriting models and policies, merchant&#8217;s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant&#8217;s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. 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 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360712a45069 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360712a45069 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15360712a45069    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1680303309778{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-iso-brokers-agents-page-image-navy-background-1920&#215;584.jpg?id=28601) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;47024&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1678091684465{margin-bottom: 10px !important;padding-top: 10px !important;}&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;5\/12&#8243;][vc_column_text]<\/p>\n<h2><span style=\"color: #ffffff; font-size: 40px; line-height: 46px;\">New Client Pot of Gold!<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1613682363811{margin-bottom: 30px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 33px;\">New clients get a pot of gold this month. We\u2019re giving away $500 Amex Gift Cards for every $50,000 they draw from their line of credit. This promo maxes out at $5,000 worth of gift cards. Loans must fund on or before March 31st, 2023.*<br \/>\n<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360713a98334 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360713a98334 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15360713a98334    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div> [vc_column_text css=&#8221;.vc_custom_1678091537803{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: left; font-size: 11px; line-height: 15px;\"><span style=\"color: #ffffff;\">*Gift card offer is only available to new merchants (out of the program 120 days or more). To qualify, merchant must borrow $50,000 or more on or before March 31st, 2023. Maximum gift card earnings is $5,000. Merchant\u2019s must be approval under ARF Financial\u2019s standard underwriting models and policies, merchant\u2019s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $50,000. Promotion is only valid on loans with terms of 39 weeks or longer. IO Flex Pay Loans are also excluded.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1683321395568{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;47121&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">New Client Reward up to $2,500!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">New clients can get a generous reward this month. We\u2019re giving away $500 Amex Gift Cards for every $50,000 borrowed by the end of April. Maximum reward cap at $2,500 worth of gift cards. To qualify, loans must fund on or before April 30th, 2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680297606315{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Gift card offer is only available to new merchants (out of the program 120 days or more). To qualify, merchant must borrow $50,000 or more on or before April 30th, 2023. Maximum gift card earnings is $5,000. Merchants must be approved under ARF Financial\u2019s standard underwriting models and policies, merchant\u2019s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $50,000. Promotion is only valid on loans with terms of 39 weeks or longer. IO Flex Pay Loans are also excluded.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360714999069.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e15360714999069.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e15360714999069 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360714999069 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15360714999069     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1685630968793{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;47121&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;7\/12&#8243;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">Up to $5,000 in Rewards for New Clients!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">During the month of May, new clients can receive a $500 Amex Gift Card for every $50,000 they borrow up to $5,000 in gift cards. Offer ends 5\/31\u00ad\u00ad\u00ad\u00ad\/2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1682956275615{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant&#8217;s approval under ARF Financials&#8217; standard underwriting models and policies. Merchant&#8217;s acceptance of an approved loan amount, rate and term; and merchant borrowing $50,000 or more to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 5\/31\/2023. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 5\/31\/2023.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-69e15360715493673.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e15360715493673.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e15360715493673 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360715493673 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15360715493673     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/www.arffinancial.com\/development\/working-with-us\/current-offers\/\" target=\"_self\">LEARN MORE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1652096597126{margin-bottom: 0px !important;background: #dddddd url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Why is ARF Financial Different?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]Since 2001, ARF Financial has helped tens of thousands of restaurant owners obtain approvals in excess of a billion dollars! We know restaurants, and we have loan products specifically designed for restaurateurs. Over the years, it&#8217;s become clear, our clients want quick access to larger loan amounts with longer terms that deliver low payments and won\u2019t interfere with their cash flow. And, that&#8217;s what we do! Plus, everyone loves cash back rewards right? Well, we do that too!<\/p>\n<p><strong>ARF is your best option for achieving the business growth you\u2019ve dreamed of. Here\u2019s how:<\/strong>[\/vc_column_text][vc_row_inner css=&#8221;.vc_custom_1646319389810{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]For over two decades, we&#8217;ve been the trusted experts in financing restaurant and hospitality businesses.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]We get to know every client and serve as financial consultants in order to provide a customized solution for their specific needs.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]We are not loan brokers. We cut out the middle man, keeping your costs low.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Through relationships with community banks, we can get you approved for the loan amounts up to $1,000,000 with terms up to 36 months. We even have interest-only options.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]We have loan options even if you have less than perfect credit.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]Flexible financing options mean loans and repayment terms can be <em>customized<\/em> to fit your needs.[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e15360719ea3446 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360719ea3446     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;12px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1652057038814{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/management-team.jpg?id=40679) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Advantages of ARF Financial&#8217;s Restaurant Loans<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;12px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1652056470005{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Loan amounts from $5K to $750K<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Quick approvals and fundings in less than a week<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Fixed terms up to 36 months with low weekly payments<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">All our loans come with a renewable Line of Credit with 24-hour availability<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Fast and convenient online application with no hard credit pulls<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Low rates, affordable payments and no hidden fees<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Low documentation streamlined process<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #ffffff;\">Tax deductible interest and early pay off options<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style type=\"text\/css\">.thegem-button-69e1536071f477103 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536071f477103 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536071f477103     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 4px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1652057475876{margin-top: 0px !important;margin-right: 5% !important;margin-left: 5% !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_column][vc_empty_space height=&#8221;8px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Use of Funds<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial is devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are just a few of the ways our clients have put their restaurant financing to work:<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_row_inner css=&#8221;.vc_custom_1652057488382{margin-bottom: 0pc !important;padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Equipment financing<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Renovations<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Expansion projects<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Pay for franchise obligations<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Open another location<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Obtain a liquor license<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Operating capital for slow, seasonal periods<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Add catering and take-out services<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Upgrade your POS system<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Remodel your kitchen or dining room<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Buy out a business partner<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Pay your business taxes<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Start a new marketing campaign<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Pay off \/ consolidate more expensive debt<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]<style type=\"text\/css\">.thegem-button-69e15360727aa4917 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360727aa4917     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1648254934189{margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Client Reviews<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1652058359060{margin-bottom: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;41148&#8243; img_size=&#8221;500&#215;59&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;24px&#8221;][vc_raw_html]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[\/vc_raw_html][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1652059152126{margin-right: 2% !important;margin-bottom: 0px !important;margin-left: 2% !important;padding-top: 5% !important;background: #eeeeee url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">How to Qualify for a Restaurant Loan<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Restaurant loans are approved based on different qualifying criteria. No single requirement will guarantee an approval. However, restaurant owners should be prepared to produce key documents about their business and other personal data to receive an approval.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;15&#8243; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1652059509425{padding-right: 2% !important;padding-left: 2% !important;}&#8221;][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1652096670186{padding-bottom: 15px !important;background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 10px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-calendar&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Time in Business<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652186476081{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">The length of time the business has been operating is an important factor considered during the approval process. Restaurants that have been open and operating for at least one month (30 days) can qualify for a restaurant loan.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e153607286f8364 .gem-button svg {fill: #ffffff;}.thegem-button-69e153607286f8364 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e153607286f8364    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1652096681902{padding-bottom: 15px !important;background-color: rgba(0,0,0,0.1) !important;*background-color: rgb(0,0,0) !important;border-radius: 10px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-university&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Business Checking Account<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652189481437{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">To qualify, we look at your business&#8217;s most recent 3 months of bank statements. In accessing your business&#8217;s credit worthiness, your account gives definitive evidence of your monthly cash flow and helps determine loan amount.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e153607290f2430 .gem-button svg {fill: #ffffff;}.thegem-button-69e153607290f2430 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e153607290f2430    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1652096692812{padding-bottom: 15px !important;background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 10px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-credit-card&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Credit Score<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF considers a mix of criteria, not just your credit score. We have partnered with many banks to offer even more options for restaurant owners with less than perfect credit. A minimum Equifax credit score of only 575 is required.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e153607298f4834 .gem-button svg {fill: #ffffff;}.thegem-button-69e153607298f4834 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e153607298f4834    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1652096737519{padding-bottom: 15px !important;background-color: rgba(0,0,0,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-radius: 10px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-money&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Sales Volume<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652186644580{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">To qualify, your restaurant must consistently generate a minimum of $200,000 in annual sales (approximately $17,000 per month) actual or projected. Total sales includes both cash sales and credit card receipts.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072a144659 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072a144659 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072a144659    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1652096725310{padding-bottom: 15px !important;background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 10px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-bar-chart&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Debt to Credit Ratio<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652186686366{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">ARF Financial, like most lenders, also examines your debt to credit ratio in order to qualify for a restaurant loan. If your restaurant is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072ad35832 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072ad35832 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072ad35832    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Hassle-Free Process<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]ARF Financial has built relationships with banks around the country, so you can acquire a restaurant loan quickly with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won\u2019t increase as revenue grows. With an ARF Financial restaurant loan, you actually are rewarded for your success and you keep more of what you earn.[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">How to Apply for a Restaurant Loan<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<div class=\"box box1\">\n<p>If you are a business owner looking for a restaurant loan with low rates, fixed terms and affordable payments, simply complete our online application today. It&#8217;s simple, only takes 10 minutes and won&#8217;t affect your credit. We have <a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">local loan consultants<\/a> who are knowledgeable about your specific market and will assist you throughout the process. <a href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=RestaurantsPage\" class=\"broken_link\">Get Started Here!<\/a><\/p>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;]<style type=\"text\/css\">.thegem-button-69e1536072b8f7287 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072b8f7287     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1652099479603{margin-bottom: 0px !important;padding-bottom: 30px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/01\/broker_program_background.jpg?id=31350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1652102849328{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Our 2024 Best Restaurant Financing and Restaurant Loan Products<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">ARF Financial has restaurant loans and restaurant financing options designed specifically for the industry. For over two decades, our company has been the #1 lender for restaurants and hospitality businesses. Take a look at the 2024 line up of our best restaurant loan products:<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;25&#8243; css=&#8221;.vc_custom_1652100450416{margin-right: 30px !important;margin-left: 30px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1715452275225{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(0,0,0,0.6) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.6) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.6) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.6) !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\"><span style=\"color: #ffffff;\">BANKROLL &#8211; Revolving Line of Credit<\/span><br \/>\n<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1652098901697{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Your business is always evolving. Wouldn\u2019t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit &#8211; BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment \u2013 plus the flexibility to pay down or draw additional funds on an unlimited basis!<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072c362303 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072c362303 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072c362303    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/revolving-line-of-credit\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;8px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1715452267063{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(0,0,0,0.6) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.6) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.6) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.6) !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;38199&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\"><span style=\"color: #ffffff;\">Interest-Only Flex Pay Loan<\/span><br \/>\n<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1699308727034{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">We believe growing your business shouldn\u2019t mean sacrificing your cash flow, and with ARF&#8217;s new Interest-Only Flex Pay Loan it doesn\u2019t. It now allows you to quickly access from $50,000 to $750,000 with low interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072ccc3174 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072ccc3174 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072ccc3174    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/interest-only-flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;8px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1715452257829{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 35px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(0,0,0,0.6) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.6) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.6) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.6) !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Lines of Credit<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1698258949080{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">With a Line of Credit from ARF Financial, when opportunity comes knocking, business conditions change or unexpected expenses pop up, you&#8217;ll be prepared. Our Line of Credit gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw funds as needed and only pay for the funds you take!<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072d565921 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072d565921 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072d565921    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-product\/lines-of-credit\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;8px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1715452250497{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 30px !important;padding-bottom: 10px !important;padding-left: 30px !important;background-color: rgba(255,255,255,0.25) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: rgba(0,0,0,0.6) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.6) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.6) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.6) !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;160&#215;160&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Flex Pay Loans<\/span><\/h4>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_column_text css=&#8221;.vc_custom_1652101190593{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">We&#8217;ve found that many business owners simply don\u2019t dream big because they are convinced they can\u2019t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows you to defer up to 50% of your loan principal into the future, resulting in the lowest possible payments now!<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072e034028 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072e034028 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072e034028    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;8px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1652102515783{margin-top: 30px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">What is a Restaurant Loan?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]A restaurant loan is a lending product designed specifically for owners and operators of a restaurant and other hospitality businesses. A restaurant loan takes into consideration the unique needs of restaurants including seasonality, business model, partnership structure and timeliness of funding for emergencies such as kitchen repairs. Our restaurant loans are also used to retain equity or buy back equity from business partners. Some restaurant owners simply use as bridge financing until traditional financing is acquired.<\/p>\n<p>Since 2001, ARF Financial has accommodated the unique needs of the restaurant and hospitality industry, offering restaurant loans in the form of <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/flex-pay-loans\/\">lines of credit<\/a>, <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/flex-pay-loans\/\">flex pay loans<\/a>, <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/revolving-line-of-credit\">revolving lines 0f credit<\/a>, and <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/interest-only-flex-pay-loan\/\">interest-only loans<\/a>. Loan amounts are available from $5,000 to $750,000 and no need for tax returns or financial statements .<\/p>\n<p>Our simple, 5-step restaurant loan <a href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=RestaurantsPage\" class=\"broken_link\">online application<\/a> allows quick approvals and funding in as little as 3 days. There are no hard credit pull and no impact to your credit score. Our <a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">loan consulting team<\/a> can walk you through the many restaurant loan options available. Simply choose your state on the map and contact your local loan consultant for information on our restaurant loans.[\/vc_column_text][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Who needs a Restaurant Loan?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]Restaurant loans and restaurant financing are available to any owner who needs capital to fund things like equipment financing, inventory financing, building renovations, restaurant expansions, opening another location, upgrading POS systems, buy out a business partner, liquor licenses, pay for franchise obligations, adding catering services, revamping restaurant menu and bar options, marketing and advertising, or simply stabilizing cash flow. These are just a few recurring reasons restaurant owners choose ARF Financial first.<\/p>\n<p>Smart restaurateurs are choosing our restaurant loans because rates are low, the terms are longer, and payments are fixed. These restaurant loans are not tied to your credit card receipts which means you have access to a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\/\">working capital<\/a> cushion that is available for any business opportunity, repairs or for cash flow needs.[\/vc_column_text][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Restaurant Loan vs. Merchant Cash Advance?<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#c89c1f&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]A merchant cash advance is not a restaurant loan. It is a form of factoring where a financial services company buys an amount of your future credit card sales at a discount, typically 30% to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been repaid.<\/p>\n<p><img class=\"alignnone wp-image-28443\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/cash-chart.png\" alt=\"restaurant loan advantages\" width=\"500\" height=\"181\" \/> <img class=\"alignnone wp-image-28440\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/loan-chart1.png\" alt=\"restaurant loan chart\" width=\"500\" height=\"159\" \/><\/p>\n<div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1652030607859 vc_row-o-content-top vc_row-flex\">\n<div class=\"wpb_column vc_column_container vc_col-sm-12\">\n<div class=\"vc_column-inner \">\n<div class=\"wpb_wrapper\">\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p><span style=\"color: #00659e;\">The problem? As shown in the graph, the more money you make (higher sales), the faster the cash advance provider gets paid back, thus raising the cost of funds to your business significantly. The shorter the term, the more expensive the advance becomes.<\/span><\/p>\n<p>Restaurant owners, like many small businesses, are frequently being offered cash advances by a myriad of companies and\/or brokers. Unfortunately, with many cash advance providers, your payment can change each week, or even daily, based upon your credit card sales. While merchant cash advances may appear to be a quick and easy option for busy restaurant and small business owners, the reality is a business loan is actually just as quick and way less expensive in the long run. ARF Financial offers larger loan amounts, longer terms and fixed, weekly payments that never change \u2013 great for budgeting and cash flow. All too often, the actual cost and inner workings of a merchant cash advance depends on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, no complicated reconciliations to perform, and the repayment terms are made clear up front.<\/p>\n<p>If your restaurant business is growing, don\u2019t pay back your cash advance with a percentage of your Visa and Mastercard sales! As a successful restaurateur, why undermine your business\u2019 operating health by giving away your new increased sales? Also, unlike a merchant cash advance, the interest on our business loans is tax deductible. This effectively lowers the total cost of your cost of funds even more in the long run.<\/p>\n<p>A business loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the restaurant owner, reap the benefits of increased sales, not the cash advance company. No matter what the future holds, ARF Financial is your best choice for a business loan, restaurant loan, or restaurant financing to capitalize on new opportunities \u2013 often when conventional banks simply won\u2019t consider it.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072ef51158 .gem-button svg {fill: #174888;}.thegem-button-69e1536072ef51158 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072ef51158     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1652104891531{margin-top: 0px !important;margin-right: 25px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;border-left-width: 25px !important;padding-bottom: 0px !important;background: rgba(221,221,221,0.94) url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(221,221,221) !important;}&#8221;][vc_column css=&#8221;.vc_custom_1544202519629{padding-top: 50px !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space height=&#8221;5px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Restaurant Loans and Restaurant Financing That Fit Your Business<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1652103189843{margin-bottom: 20px !important;}&#8221;][vc_empty_space height=&#8221;24px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1514505144806{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104621524{border-left-width: 20px !important;padding-right: 20px !important;background-color: rgba(221,221,221,0.5) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(221,221,221) !important;}&#8221;][vc_single_image image=&#8221;26507&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Single-Unit Restaurants<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Replace or repair equipment, overcome a financial hurdle, or seize an opportunity to grow with ARF Financial.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1536072fa21141 .gem-button svg {fill: #ffffff;}.thegem-button-69e1536072fa21141 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1536072fa21141    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/single-unit-restaurants\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104600573{padding-right: 20px !important;padding-left: 20px !important;background-color: rgba(0,101,158,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;26505&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Multi-Unit, Franchise &amp; Quick Service<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Seize the next opportunity to expand your business while maximizing your return with flexible financing.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e153607304d8673 .gem-button svg {fill: #ffffff;}.thegem-button-69e153607304d8673 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e153607304d8673    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104576635{padding-right: 20px !important;padding-left: 20px !important;background-color: #dddddd !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_single_image image=&#8221;26499&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Bars &amp; Taverns<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Upgrade your space, refurbish your bar, improve your inventory, and more with our tavern financing options.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360730db788 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360730db788 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360730db788    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/bars-taverns\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104554981{padding-right: 20px !important;padding-left: 20px !important;background-color: rgba(0,101,158,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;26501&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Caterers<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Expand your menu, hire new staff, grow your operations, or move into a bigger space with loan terms that make sense.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360731836920 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360731836920 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360731836920    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/caterers\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104646380{background-color: rgba(0,101,158,0.2) !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;26498&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Bakeries &amp; Cafes<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Explore a new menu item with a lender who is uniquely poised to help your business with the funding it needs.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360732361256 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360732361256 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360732361256    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/bakeries-cafes\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104666156{background-color: rgba(221,221,221,0.5) !important;*background-color: rgb(221,221,221) !important;}&#8221;][vc_single_image image=&#8221;26508&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Specialty Food Shops<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Keep your inventory unique and of the highest quality with the right funding in place at all times.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360732f67738 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360732f67738 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360732f67738    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/specialty-food-shops\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104683390{background-color: rgba(0,101,158,0.2) !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;26504&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Mall Food Outlets<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Hire more staff, replace your equipment, and maintain food and supply costs with flexible funding options.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360733788063 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360733788063 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360733788063    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/mall-food-outlets\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1652104481716{background-color: rgba(170,170,170,0.5) !important;*background-color: rgb(170,170,170) !important;}&#8221;][vc_single_image image=&#8221;26502&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Gourmet Food Stores<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Take advantage of new opportunities to grow your store or increase product offerings with a trusted lending partner.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360733e5391 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360733e5391 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360733e5391    \"  ><a class=\"gem-button gem-button-size-small gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"\/loans-by-industry\/restaurants\/gourmet-food-stores\" target=\"_self\">Learn More<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1646320529175{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-financial-website-thankyou-page-image-geo-background-1920&#215;563.jpg?id=26606) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Use our Restaurant Loan Calculator to Find Out How Much You Qualify For<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Use the sliders below to indicate annual sales, time in business and credit score.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]\n\t\t<div class=\"calculator\">\n\n\t\t\t<div class=\"rangeslider-wrap range-slider-revenue\">\n\t\t\t<input type=\"range\" min=\"90000\" max=\"5000000\" step=\"10000\">\n\t\t\t<h6>Annual Sales<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap time-in-business\">\n\t\t\t<input type=\"range\" min=\"0\" max=\"60\" step=\"1\">\n\t\t\t<h6>Time in Business<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap fico-score\">\n\t\t\t<input type=\"range\" min=\"551\" max=\"850\" step=\"1\">\n\t\t\t<h6>FICO Score<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects\">\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"homeowner\" name=\"homeowner\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\" selected>Homeowner?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-late\">Yes, mortgage 1+ months late<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-homeowner\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"bankruptcy\" name=\"bankruptcy\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\">Bankruptcy?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-old\">Yes, 1+ years ago<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-bankruptcy\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\t<button class=\"calculator-button\">Calculate My Loan Potential<\/button>\n\n\t\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_empty_space][vc_column_text]\n\t\t<div class=\"calculator-results\">\n\t\t\t<table>\n\t\t\t<tr>\n\t\t\t\t<th>Term<\/th>\n\t\t\t\t<th>Loan Amount<\/th>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>12 month<\/td>\n\t\t\t\t<td class=\"loanAmount_12Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>18 month<\/td>\n\t\t\t\t<td class=\"loanAmount_18Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>24 month<\/td>\n\t\t\t\t<td class=\"loanAmount_24Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>36 month<\/td>\n\t\t\t\t<td class=\"loanAmount_36Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<\/table>\n\t\t<\/div>\n\t[\/vc_column_text][vc_empty_space]<style type=\"text\/css\">.thegem-button-69e15360734938443 .gem-button svg {fill: #00659e;}.thegem-button-69e15360734938443 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e15360734938443    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Loan amounts may be increased with the review of tax returns and financials. Time in Business \u2013 Must be operating under the same ownership and concept. Homeownership \u2013 Home must be in your name. Bankruptcy \u2013 Includes individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any \u00a0information about the user and does not represent a specific loan offer or terms that may be accepted by the user. \u00a0A specific loan proposal can only be provided after completion of an application. \u00a0Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.<\/p>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Terms &amp; Conditions<\/h3>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center; font-size: 11px; line-height: 14px;\">ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (\u201cPartner Banks\u201d), (collectively herein referred to as \u201cLender\u201d). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender\u2019s 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\u2019 or the guarantor\u2019s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant\u2019s business entity with the State where they are located; or any other information that may reflect on the business or guarantor\u2019s 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.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1652105821005{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e15360734d6 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e15360734d6\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1530051542901{padding-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1645730187708{padding-top: 50px !important;padding-right: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Quick &amp; Easy Online Application<\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;300&#215;300&#8243; alignment=&#8221;center&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"line-height: 30px; font-size: 22px; color: #ffffff;\">Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/div>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15360735818410 .gem-button svg {fill: #ffffff;}.thegem-button-69e15360735818410 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15360735818410 footerbutton    gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='rgba(255,255,255,0.01)';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><\/div><\/div> <div class=\"clearboth\"><\/div><style>#thegem-divider-69e15360735c3 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e15360735c3\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1648256281335{margin-bottom: 0px !important;padding-top: 3% !important;}&#8221;][vc_row css=&#8221;.vc_custom_1652048641467{margin-top: 25px&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":24994,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-24684","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Restaurant Loans &amp; Restaurant Financing | 2025 Best Loans from ARF Financial<\/title>\n<meta name=\"description\" content=\"ARF Financial is the #1 lender for restaurant loans and restaurant financing. 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