{"id":24873,"date":"2017-12-28T23:18:42","date_gmt":"2017-12-28T23:18:42","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24873"},"modified":"2025-07-02T13:41:46","modified_gmt":"2025-07-02T17:41:46","slug":"working-capital-loans","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-product\/working-capital-loans\/","title":{"rendered":"Working Capital Loans"},"content":{"rendered":"

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Working Capital Loans<\/div>\n

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Our Working Capital Loan is ideal for business owners who are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? When you feel cash is tight and your business lacks the funds necessary to keep everyday operations running smoothly, know that ARF Financial has your back. Our goal is to give your business the boost it needs to get back on track by providing quick access to the restaurant financing<\/a> you need to overcome these short-term challenges while gaining momentum for long-term success!<\/p>\n

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What is a Working Capital Loan?<\/span><\/p>\n

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A working capital loan is a financial product designed to help restaurant and small business owners fund their everyday business operations. Working capital loans from ARF Financial can provide the funding your business needs without the long wait of a traditional bank or the hidden fees and payment surprises of a merchant cash advance. Our approval process is streamlined with minimal documentation, and funding can occur in a matter of days! Our loan terms are fixed so your payments won\u2019t fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you\u2019re looking to infuse your business with cash quickly, ARF\u2019s working capital loans are just the thing you need!<\/p>\n

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Benefits of a Working Capital Loan
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]The financing<\/a> we provide is a true bank loan not a merchant cash advance.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]That means payments are fixed and won’t go up when credit cards sales increase.<\/span><\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]Limited paperwork\u00a0<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]We provide longer repayment terms \u2013 up to 36 months.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]Apply online and get approved fast with fundings in less than a week.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]All our loans come with 24-hour access to a renewable line of credit<\/a>.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]The interest you pay is tax deductible, further lowering your cost of funds.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]There are no hard credit pulls so your credit score won’t be affected.<\/span>[\/vc_column_text]<\/div><\/div>
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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
[vc_column_text]Less than perfect credit is not a barrier to get approved.
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