{"id":24912,"date":"2017-12-29T20:08:28","date_gmt":"2017-12-29T20:08:28","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24912"},"modified":"2025-07-02T13:28:03","modified_gmt":"2025-07-02T17:28:03","slug":"medical","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/medical\/","title":{"rendered":"Medical Practice Financing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1653769136179{padding-top: 5% !important;padding-bottom: 2% !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1566906254456{margin-right: 25px !important;}&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"line-height: 45px;\">Loans and Lines of Credit for\u00a0<\/span><span style=\"line-height: 45px;\">Medical Practices<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1567178232150{margin-bottom: 30px !important;}&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 22px; color: #00659e; font-weight: 500;\">Is Your Medical Practice Ready to Grow?<\/div>\n<p>[\/vc_column_text][vc_column_text]With an established track record of providing medical practice financing, our team of personal financial consultants specialize in delivering the trusted lending services you need to keep your practice profitable and on track to achieve your long-term goals. It doesn\u2019t matter whether you\u2019re a medical doctor, chiropractor, specialist, holistic provider, or pharmacist, we can provide you access to the right loan products, and we can do it fast.\u00a0 ARF Financial also provides financing solutions for Cancer Radiology Centers, Cancer Treatment Facilities, Physical Rehabilitation Centers, Urgent Care Centers and Diagnostic Imaging Centers.<\/p>\n<p>At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Running a successful medical practice takes much more than just medical training. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to such loans. This means that many practitioners are forced into more expensive financing options such as merchant cash advances to make ends meet.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1653350745777{margin-top: 0px !important;margin-bottom: 0px !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 css=&#8221;.vc_custom_1653350660613{margin-top: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1653350809364{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #ffffff; font-size: 22px; line-height: 22px;\">When choosing the right business lender, it\u2019s important to compare loan size and repayment terms because&#8230;<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653352477727{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 76px; 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_empty_space][vc_row_inner][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_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1567178232150{margin-bottom: 30px !important;}&#8221;][vc_column_text]<\/p>\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\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, 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 <strong>six times larger<\/strong> and repayment terms are more than <strong>three times longer<\/strong> 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! Check out the comparison below:<\/p>\n<\/div>\n<\/div>\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][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInRight&#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_1653266252238{margin-top: 0px !important;}&#8221;][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-69da4a44a82ab5571 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a82ab5571 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a82ab5571     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: 3px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#cd9d2f';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=MedicalPracticePageSizeMattersSection\" 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<div style=\"text-align: center; font-size: 15px;\">*Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/div>\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_1706815674938{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_1706815682754{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_1704985812469{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-69da4a44a84188703.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69da4a44a84188703.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69da4a44a84188703 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a84188703 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a84188703     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_1678090792185{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-69da4a44a84c27429 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a84c27429 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a84c27429    \"  ><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_1675457229426{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-69da4a44a855c2475 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a855c2475 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a855c2475    \"  ><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?source=WholesalePage\" 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_1680302692689{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;47024&#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;\">New Client Pot of Gold!<\/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;\">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.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/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 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]<style type=\"text\/css\">.thegem-button-69da4a44a85ff2571 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a85ff2571 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a85ff2571    \"  ><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;20px&#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_1683321920643{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-69da4a44a86de3072.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69da4a44a86de3072.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69da4a44a86de3072 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a86de3072 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a86de3072     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_1685633756066{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-69da4a44a87798918.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69da4a44a87798918.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69da4a44a87798918 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a87798918 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69da4a44a87798918     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_1653746557039{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/hundreds-bkg-light.jpg?id=42837) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Why Makes ARF Financial Different?<\/strong><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1653743354523{margin-bottom: 16px !important;}&#8221;][vc_column_text]<\/p>\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p>Since 2001, ARF Financial has helped thousands of medical professionals like you secure over a billion dollars in loan proceeds! Our loans are <strong>not<\/strong> merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. We\u2019re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop and supplement your cash flow during slow, seasonal periods. Here are some valuable options to put our medical practice financing to work in your business:<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_row_inner css=&#8221;.vc_custom_1653743201025{margin-bottom: 0px !important;}&#8221;][vc_column_inner el_class=&#8221;industry-bullets&#8221; 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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653742689726{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Renovate or remodel your offices<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1528412762858{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Purchase or upgrade equipment and technology<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1528412784633{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Provide additional training or hire new staff<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1567177107658{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Paying off other loans or other outstanding debts<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653762704120{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Open another location or purchase a medical practice<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; 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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653762723503{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Add new cosmetic services and procedures<br \/>\n<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1528412821926{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Bridge private carrier or Medicare\/Medicaid insurance 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-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1567176368231{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Buy out a business partner or buy into a new opportunity<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653742895684{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Overcome short-term cash flow difficulties<br \/>\n<\/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\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1567178216830{padding-top: 10px !important;}&#8221;]<span style=\"color: #00659e;\">Take advantage of other business opportunities<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69da4a44a8e792839 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a8e792839     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?source=MedicalPage\" 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&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1653760860644{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #edf8ff !important;}&#8221;][vc_column][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>What Our Customers Are Saying<br \/>\n<\/strong><\/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;#cd9d2f&#8221; css=&#8221;.vc_custom_1653743426705{margin-bottom: 16px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;42511&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_raw_html]JTNDJTIxLS0lMjBUcnVzdEJveCUyMHdpZGdldCUyMC0lMjBDYXJvdXNlbCUyMC0tJTNFJTIwJTNDZGl2JTIwY2xhc3MlM0QlMjJ0cnVzdHBpbG90LXdpZGdldCUyMiUyMGRhdGEtbG9jYWxlJTNEJTIyZW4tVVMlMjIlMjBkYXRhLXRlbXBsYXRlLWlkJTNEJTIyNTNhYTg5MTJkZWM3ZTEwZDM4ZjU5ZjM2JTIyJTIwZGF0YS1idXNpbmVzc3VuaXQtaWQlM0QlMjI1Yzg4MGVlYTNjY2FhODAwMDE3OGJiOTIlMjIlMjBkYXRhLXN0eWxlLWhlaWdodCUzRCUyMjEzMHB4JTIyJTIwZGF0YS1zdHlsZS13aWR0aCUzRCUyMjEwMCUyNSUyMiUyMGRhdGEtdGhlbWUlM0QlMjJsaWdodCUyMiUyMGRhdGEtc3RhcnMlM0QlMjIyJTJDMyUyQzQlMkM1JTIyJTIwZGF0YS1zY2hlbWEtdHlwZSUzRCUyMk9yZ2FuaXphdGlvbiUyMiUzRSUyMCUzQ2ElMjBocmVmJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cudHJ1c3RwaWxvdC5jb20lMkZyZXZpZXclMkZ3d3cuYXJmZmluYW5jaWFsLmNvbSUyMiUyMHRhcmdldCUzRCUyMl9ibGFuayUyMiUyMHJlbCUzRCUyMm5vb3BlbmVyJTIyJTNFVHJ1c3RwaWxvdCUzQyUyRmElM0UlMjAlM0MlMkZkaXYlM0UlMjAlM0MlMjEtLSUyMEVuZCUyMFRydXN0Qm94JTIwd2lkZ2V0JTIwLS0lM0U=[\/vc_raw_html][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1653767535191{margin-bottom: 0px !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1653768950967{margin-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_column_text css=&#8221;.vc_custom_1653763709421{margin-top: 0px !important;margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>What is a medical practice loan or line of credit?<\/h3>\n<p>[\/vc_column_text][vc_column_text]Our medical practice financing is a customized business loan and line of credit designed specifically for medical professionals. These loans and lines of credit take into consideration the unique needs of doctors including business model, partnership structure and timeliness of funding for emergencies. Our medical practice financing options are also used to retain equity or buy back equity from business partners. Some owners simply use our loans and lines of credit as bridge financing until payments come through from insurers.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653762880304{margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>Who needs medical practice financing?<\/h3>\n<p>[\/vc_column_text][vc_column_text]Medical practice financing is available to any doctor who needs capital to fund projects such as equipment purchases, building renovations, waiting room renovations, upgrading computer systems, paying off outstanding debt, buying out a business partner, licenses, signage, adding cosmetic procedures\/services, marketing and advertising, opening a new practice, and stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons medical professionals choose ARF Financial first.<\/p>\n<p>Smart medical professionals are choosing our financing because rates are low, repayment terms are longer, and payments are fixed. Repayment of our loans and lines of credit are not tied to your credit card receipts which means your payments remain the same, perfect for keeping your cash flow stable, with a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\/\">working capital<\/a> cushion that&#8217;s available when needed.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653763073841{margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>Medical practice loan versus a merchant cash advance.<\/h3>\n<p>[\/vc_column_text][vc_column_text]A merchant cash advance is nothing like a dental practice loan. It is a form of factoring where a financial services company buys a portion of your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.<\/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<p>The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds significantly.<\/p>\n<p>Medical professionals, like many business owners, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for doctors, they are actually much more expensive in the long run. ARF Financial offers low, fixed weekly payments that never change \u2013 great for budgeting and cash flow. As with most merchant cash advances, you may be required to change credit card processors depending on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.<\/p>\n<p>If your practice is growing, don\u2019t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful doctor, why undermine your company&#8217;s operating health by giving away your increased sales? Also, unlike a merchant cash advance, the interest on our medical practice loans is tax deductible. This effectively lowers the total cost of your funds in the long run.<\/p>\n<p>A medical practice 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 owner\/practitioner, reap the benefits of increased sales, not the cash advance company.<\/p>\n<p>No matter what the future holds, ARF Financial is your best choice for medical practice loans and lines of credit to capitalize on new business opportunities \u2013 often when conventional banks simply won\u2019t consider it.[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a8f237666 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a8f237666     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?source=MedicalPage\" 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_section][vc_section full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221;][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1518566688277{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 15px !important;background-color: #174888 !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">The Difference is Insight<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1528387897701{margin: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531303678123{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;background-color: #dfdfdf !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Flexible Loan Terms that Make Sense<\/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;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387879968{margin-bottom: 30px !important;}&#8221;][vc_column_text]ARF Financial will provide you the one-on-one support you deserve to ensure your loan is customized to specifically meet your needs and your individual business situation.\u00a0 Whether you\u2019re upgrading your equipment and technology, adding new clinical services, or simply improving your cash flow while waiting on historically slow insurance payments, ARF Financial is here to help. \u00a0We provide a complete range of loan options for medical professionals, whether you need $5,000 or $1 million in working capital. And when you apply for funding through ARF Financial, the interest you pay on your loan is tax deductible![\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-69da4a44a90316893 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69da4a44a90316893    \"  ><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.borderColor='#cd9d2f';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=MedicalPage\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1528413124923{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/MedicalDental_Page_Design_09.jpg?id=26222) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69da4a44a90a9 {margin-top: 250px !important;}#thegem-divider-69da4a44a90a9 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69da4a44a90a9\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1653763828808{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;background-color: #00659e !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531954419665{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/MedicalDental_Page_Design_10.jpg?id=26223) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69da4a44a910a {margin-top: 250px !important;}#thegem-divider-69da4a44a910a {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69da4a44a910a\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531954424490{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #ffffff;\">It Pays To Be Prepared<\/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;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387879968{margin-bottom: 30px !important;}&#8221;][vc_column_text]<span style=\"color: #ffffff;\">There are countless reasons why healthcare institutions of all sizes turn to ARF Financial for their medical practice financing needs. Every loan we provide comes with an optional line of credit with 24-hour access to the capital you need when you need it. We offer flexible terms up to 36 months. Loans over $500,000 we will work with you to find the best possible mix to get you funded. What\u2019s more, there\u2019s very little paperwork to complete, and approvals are granted in 24 to 48 hours.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-69da4a44a91b57781 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a91b57781 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69da4a44a91b57781    \"  ><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.borderColor='#cd9d2f';this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=MedicalPage\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div> [\/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_1653760719580{margin-bottom: 0px !important;padding-top: 2% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-fnancial-ourteam-bankpartners-image-geo-background-1920&#215;457.png?id=26476) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Minimum Qualifications<br \/>\n<\/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;#cd9d2f&#8221; css=&#8221;.vc_custom_1629898192816{margin-bottom: 30px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1653767200846{margin-right: 2% !important;margin-left: 2% !important;padding-right: 26px !important;padding-left: 26px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759163835{margin-bottom: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !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;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Industry Type<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337160026{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We lend to more than just restaurants. Over the years we&#8217;ve expanded our approved industry types. <a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here<\/a> to see the full list of industries.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a927a9702 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a927a9702 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a927a9702    \"  ><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?source=FlexPayPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759184436{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !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;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;38199&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Credit Score<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1751477276340{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 575 or higher.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a93298735 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a93298735 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a93298735    \"  ><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?source=FlexPayPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759281991{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !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;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Time in Business<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337171442{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a93dd5459 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a93dd5459 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a93dd5459    \"  ><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?source=FlexPayPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653759218983{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 35px !important;padding-left: 35px !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;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;38840&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Annual Sales<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1653760196838{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a94a25204 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a94a25204 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a94a25204    \"  ><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?source=FlexPayPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1630095816612{margin-right: 2% !important;margin-left: 2% !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;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">How to Apply for a Medical Practice Loan?<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_column_text css=&#8221;.vc_custom_1653762549223{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">If you own a medical practice and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. <a href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=FlexPayPage\" class=\"broken_link\">Click here to get started.<\/a> We also employ\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">seasoned loan consultants<\/a> who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a95481344 .gem-button svg {fill: #174989;}.thegem-button-69da4a44a95481344 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a95481344     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: #174989;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174989';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=DentalPracticePage\" target=\"_self\">TAKE ME TO THE APPLICATION<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1653760632763{margin-bottom: 0px !important;padding-bottom: 30px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/light-hundreds-bkg.jpg?id=42619) !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;\"><span style=\"color: #00659e;\">Our Unique 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_empty_space height=&#8221;22px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;25&#8243; css=&#8221;.vc_custom_1653757693373{margin-right: 35px !important;margin-left: 35px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653760575505{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-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120&#215;120&#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;\">Bankroll &#8211; Revolving Line of Credit<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_1653758152968{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business is always evolving. Wouldn\u2019t it be great to have a loan 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 funds on an unlimited basis!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a96249859 .gem-button svg {fill: #002f65;}.thegem-button-69da4a44a96249859 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a96249859    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/bankroll\" target=\"_blank\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653760559481{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-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120&#215;120&#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;\">Interest-Only Flex Pay Loan<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_1699307753309{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We believe growing your business shouldn\u2019t mean sacrificing your cash flow, and with ARF&#8217;s Interest-Only Flex Pay Loan it doesn\u2019t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a96d97334 .gem-button svg {fill: #002f65;}.thegem-button-69da4a44a96d97334 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a96d97334    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/interest-only-flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653760552117{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(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120&#215;120&#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;\">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_1698260514943{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a97877049 .gem-button svg {fill: #002f65;}.thegem-button-69da4a44a97877049 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a97877049    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"\/loans-by-product\/lines-of-credit\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1653760543073{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(255,255,255,0.65) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;120&#215;120&#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;\">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_1653757963976{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Many merchants simply don\u2019t dream big because they believe they can\u2019t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69da4a44a983b5973 .gem-button svg {fill: #002f65;}.thegem-button-69da4a44a983b5973 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a983b5973    \"  ><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: #002f65;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#002f65';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/flex-pay-loan\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row][vc_column][vc_empty_space height=&#8221;50px&#8221;][vc_column_text css=&#8221;.vc_custom_1653351751650{margin-bottom: 5px !important;}&#8221;]<\/p>\n<h3>Business Loans for Medical Practitioners<\/h3>\n<p>[\/vc_column_text][vc_column_text]You\u2019ve worked hard to get where you are and you\u2019re not short on ideas to grow your practice. All you need is the capital that banks are reluctant to provide. Maybe you\u2019ve considered opening a new location or renovating your existing facility. It could be purchasing new equipment or adding an ancillary service to attract more patients. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential \u2013 often when conventional banks simply won\u2019t consider it. You can access between $5,000 and $500,000 for your practice with limited paperwork.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653351784741{margin-bottom: 5px !important;}&#8221;]<\/p>\n<h3>A Medical Practice Loan Without the Hassle<\/h3>\n<p>[\/vc_column_text][vc_column_text]ARF Financial has built relationships with banks around the country, so you can acquire a medical practice 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 medical practice loan, you actually are rewarded for your success and you keep more of what you earn.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653352236007{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h3>Our Medical Practice Loans Feature:<\/h3>\n<p>[\/vc_column_text][vc_row_inner css=&#8221;.vc_custom_1653767172648{margin-top: 0px !important;margin-right: 30px !important;margin-bottom: 0px !important;margin-left: 30px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul style=\"list-style-type: square;\">\n<li>\n<h5>A renewable line of credit with 24-hour availability<\/h5>\n<\/li>\n<li>\n<h5>Quick approvals and fundings in as little as 3 days<\/h5>\n<\/li>\n<li>\n<h5>Loan amounts up to $750K<\/h5>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul style=\"list-style-type: square;\">\n<li>\n<h5>Terms from 12 to 36 months with low weekly payments<\/h5>\n<\/li>\n<li>\n<h5>Low rates, fixed payments and no hidden fees<\/h5>\n<\/li>\n<li>\n<h5>Tax deductible interest and early pay off options<\/h5>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69da4a44a98e07896 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a98e07896     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?source=MedicalPage\" 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; parallax=&#8221;content-moving&#8221; css=&#8221;.vc_custom_1653768857049{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 1% !important;padding-bottom: 2% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center;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_column_text]<\/p>\n<h1 style=\"text-align: center;\">Business Loan Calculator<\/h1>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#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: center;\">Use our Business Loan Calculator to calculate loan amount.<\/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 gap=&#8221;30&#8243;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1653768400593{padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Calculate Loan Amount<\/h2>\n<p>[\/vc_column_text][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_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_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 height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<div style=\"line-height: 20px;\" 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.<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1635186818490{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.1) !important;*background-color: rgb(0,0,0) !important;border-radius: 10px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Request a Custom Proposal<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 24px; color: #00659e;\">Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMjhiYTE2N2RhLTRmNDctNDEwOS1hODBkLWJmZjlkZTVlMTY5YSUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Terms and Conditions<\/span><\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1671729732377{margin-right: 20% !important;margin-left: 20% !important;}&#8221;]<\/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_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_1645730177732{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-69da4a44a993f {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69da4a44a993f\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#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: #00659e; font-size: 34px;\"><span style=\"color: #ffffff;\">Quick &amp; Easy Online Application<\/span><br \/>\n<\/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=\"color: #ffffff; line-height: 30px; font-size: 22px;\">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-69da4a44a99da7479 .gem-button svg {fill: #ffffff;}.thegem-button-69da4a44a99da7479 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69da4a44a99da7479 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?source=TestimonialsPage\" 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-69da4a44a9a06 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69da4a44a9a06\" 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][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1529357323767{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 5% !important;padding-bottom: 5% !important;background-color: #ffffff 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