{"id":24914,"date":"2017-12-29T20:08:46","date_gmt":"2017-12-29T20:08:46","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24914"},"modified":"2025-07-02T13:36:09","modified_gmt":"2025-07-02T17:36:09","slug":"salons-spas","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/","title":{"rendered":"Salons &#038; Spas"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1528387587922{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_row_inner][vc_column_inner]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e1679410a96 {margin-top: 10px !important;}<\/style><div id=\"thegem-divider-69e1679410a96\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Financing for Salons &amp; Spas<\/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_1653852943391{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>ARF Financial has business loans and lines of credit specifically designed for salon and spa owners. With an established track record of providing financing for the industry, our team of seasoned loan consultants specialize in delivering the trusted financial guidance you deserve with the industry-leading loan products you need to keep your salon or spa profitable and moving forward. Whether you own a single small corner salon or you\u2019re the CEO of a major spa resort, we can provide you access to the right loan products, and we can do it fast. We understand your unique needs and have loans and lines of credit to fit every situation.<\/p>\n<p>Our primary 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 salon or spa takes much more than just cosmetology schooling. It also takes ongoing access to capital to remain relevant and competitive. Here are just a few common uses of our salon and spa financing:<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924560643{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Renovate or remodel your storefront<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924592239{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Hire and train new employees to facilitate growth<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924615227{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Purchase new equipment<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924721687{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Open another location or move into a larger space<br \/>\n<\/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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924653833{padding-top: 5px !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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924749683{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Buy out a business partner<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924779794{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Purchase inventory in bulk for discounted pricing<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653924811231{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Start a new loyalty program or marketing campaign<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1653761352712{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 10px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/01\/broker_program_background.jpg?id=31350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1653853065375{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 29px;\">When choosing the right business lender, it\u2019s important to compare loan size and repayment terms because&#8230;<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1653853044419{margin-bottom: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 75px; 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<h3 style=\"text-align: center;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h3>\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_1653852951535{margin-bottom: 15px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">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 amount is over <strong>six times larger<\/strong>\u00a0and repayment terms are more than\u00a0<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<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1653924992581{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#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;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1653852971884{margin-bottom: 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-69e16794111d82923 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794111d82923 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794111d82923     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=SalonsSpasPageSizeMattersSection\" 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 our online 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_1706815802122{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_1706815811808{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_1704985684345{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-69e16794112d57890.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e16794112d57890.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e16794112d57890 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794112d57890 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794112d57890     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_1678090762867{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-69e167941137d5878 .gem-button svg {fill: #ffffff;}.thegem-button-69e167941137d5878 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167941137d5878    \"  ><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_1675457284793{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-69e16794114453239 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794114453239 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794114453239    \"  ><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;15&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1680302714193{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; css=&#8221;.vc_custom_1678090811000{padding-right: 20px !important;padding-left: 20px !important;}&#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-69e16794115115635 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794115115635 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794115115635    \"  ><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_1683322303932{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-69e16794115d77057.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e16794115d77057.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e16794115d77057 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794115d77057 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794115d77057     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_1685634396600{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-69e16794116812092.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e16794116812092.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e16794116812092 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794116812092 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794116812092     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_1653910629248{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>What 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_empty_space height=&#8221;12px&#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 salon and spa owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan <strong>not<\/strong> a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. ARF has forged exclusive relationships with community banks across the country, so you can obtain the funds you need quickly with limited paperwork. It\u2019s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You\u2019ll receive the funds quickly, with fixed terms and affordable payments that won\u2019t increase as revenue grows \u2013 maximizing your return on investment without sacrificing your cash flow.<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 22px; font-weight: 600; color: #00659e;\">Here are just a few of our loan program advantages:<\/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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872946040{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Access loan amounts from $5,000 to $1,000,000<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1699313180709{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Limited paperwork<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872617513{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Fixed repayment terms up to 36 months<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872847975{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Same-day approvals and fundings in under a week<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872887028{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Streamlined process with minimal documentation<br \/>\n<\/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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872805648{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Ability to defer up to 50% of loan principal for lowest payment<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873110640{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">All loans come with an optional line of credit<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873145156{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">24-hour access to 5 loan drafts over a 6-month period<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873177694{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">The interest paid is tax deductible<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 gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873202463{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Early payoff options are available<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e1679411c3d8276 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1679411c3d8276     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=SalonSpaPage\" 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_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_1518569407186{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_1528387918669{padding: 10% !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Strengthen Your Bottom Line<\/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 can help you pamper your customers while strengthening your bottom line by providing the funds to expand, renovate, or adding new cosmetic procedures and services. Our expertise in salon and spa financing allows us to analyze your business needs, risks, and opportunities, and perfectly tailor one of our industry-leading loan products for your specific needs and circumstances. Update your equipment and facilities, seize an opportunity for growth, or overcome that financial hurdle that\u2019s holding you back.[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;]<style type=\"text\/css\">.thegem-button-69e1679411cf46700 .gem-button svg {fill: #174888;}.thegem-button-69e1679411cf46700 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e1679411cf46700    \"  ><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.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=SalonSpaPage\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1528415237471{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\/02\/arf-salonspas-page-image-mask-964&#215;571.jpg?id=26542) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e1679411d37 {margin-top: 250px !important;}#thegem-divider-69e1679411d37 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e1679411d37\" 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_1653855175845{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_1531954605294{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\/02\/arf-salonspas-page-image-botox-960&#215;571.jpg?id=26543) !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-69e1679411d65 {margin-top: 250px !important;}#thegem-divider-69e1679411d65 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e1679411d65\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531954609671{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;\">Capitalize On New Opportunities<\/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;\">Regardless of what your future holds, ARF Financial can help you capitalize on your business&#8217;s potential, even if conventional banks won\u2019t consider it. Our loan products give you fast access to amounts from $5,000 to $1 million, all without the obstacles traditional bank loans often have. We can offer same day approvals and a low-documentation application process.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;]<style type=\"text\/css\">.thegem-button-69e1679411e047639 .gem-button svg {fill: #ffffff;}.thegem-button-69e1679411e047639 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e1679411e047639    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=SalonSpaPage\" 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;25&#8243; css=&#8221;.vc_custom_1653924195107{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_1653923748900{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.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e1679411eab8581 .gem-button svg {fill: #ffffff;}.thegem-button-69e1679411eab8581 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1679411eab8581    \"  ><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_1751477764736{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-69e1679411f293737 .gem-button svg {fill: #ffffff;}.thegem-button-69e1679411f293737 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1679411f293737    \"  ><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-69e1679411f9f632 .gem-button svg {fill: #ffffff;}.thegem-button-69e1679411f9f632 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e1679411f9f632    \"  ><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-69e16794120452497 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794120452497 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794120452497    \"  ><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 Salon and Spa Financing?<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;24px&#8221;][vc_column_text css=&#8221;.vc_custom_1653854604512{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">If you own a salon or spa 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=SalonPage\" 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-69e16794120da6498 .gem-button svg {fill: #174989;}.thegem-button-69e16794120da6498 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794120da6498     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=SalonSpaPage\" 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_1653855427838{margin-bottom: 0px !important;padding-bottom: 30px !important;}&#8221;][vc_column][vc_empty_space height=&#8221;36px&#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_1653856650930{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: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !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-69e16794121572654 .gem-button svg {fill: #002f65;}.thegem-button-69e16794121572654 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794121572654    \"  ><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_1653856666987{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: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !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_1699313152256{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-69e16794121cb3944 .gem-button svg {fill: #002f65;}.thegem-button-69e16794121cb3944 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794121cb3944    \"  ><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_1653856683492{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: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !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_1698260718409{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-69e16794122399841 .gem-button svg {fill: #002f65;}.thegem-button-69e16794122399841 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794122399841    \"  ><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_1653856697683{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: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !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-69e16794122a74473 .gem-button svg {fill: #002f65;}.thegem-button-69e16794122a74473 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794122a74473    \"  ><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;12px&#8221;][\/vc_column][\/vc_row][\/vc_section][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;12px&#8221;][vc_single_image image=&#8221;42511&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_raw_html]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[\/vc_raw_html][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; parallax=&#8221;content-moving&#8221; css=&#8221;.vc_custom_1653767950067{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;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_1671729718017{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-69e16794122eb {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e16794122eb\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1530051542901{padding-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1645730187708{padding-top: 50px !important;padding-right: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #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: 31px; 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-69e16794123493501 .gem-button svg {fill: #ffffff;}.thegem-button-69e16794123493501 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e16794123493501 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=SalonSpaPage\" 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-69e167941236f {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e167941236f\" 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_1531330147730{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 5% !important;padding-bottom: 5% !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Latest News from Our Blog<\/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; css=&#8221;.vc_custom_1528305924912{margin-bottom: 35px !important;}&#8221;][vc_row_inner][vc_column_inner]<div class=\"preloader\"><div class=\"preloader-spin\"><\/div><\/div><div id=\"style-bebb886\" data-style-uid=\"bebb886\" class=\"blog blog-style-3x clearfix blog-style-masonry item-animation-move-up pagination-disable\" data-next-page=\"2\" data-pages-count=\"380\"> <article id=\"post-53206\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53206 post type-post status-publish format-standard has-post-thumbnail category-small-business-financing tag-affordable-business-loans tag-affordable-small-business-growth tag-business-expansion tag-business-growth tag-business-line-of-credit tag-business-loans tag-equipment-leasing tag-flex-pay-loans tag-line-of-credit tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-the-arf-advantage-regulatory-stability-for-small-businesses tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025C-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"The ARF Advantage: Regulatory Stability for Small Businesses\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\" rel=\"bookmark\"><span class=\"light\">The ARF Advantage: Regulatory Stability for Small Businesses<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794151396164\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F#038;description=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025C-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F&#038;title=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53207%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Today%E2%80%99s+financial+climate+can+best+be...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F#038;title=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794177463757\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <article id=\"post-53201\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53201 post type-post status-publish format-standard has-post-thumbnail category-small-business-financing tag-affordable-business-loans tag-affordable-small-business-growth tag-business-expansion tag-business-growth tag-business-line-of-credit tag-business-loans tag-equipment-leasing tag-flex-pay-loans tag-line-of-credit tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025B-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"What the End of the \u201cDe Minimis\u201d Exemption Means for Small Business Owners\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\" rel=\"bookmark\"><span class=\"light\">What the End of the \u201cDe Minimis\u201d Exemption Means for Small Business Owners<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e16794196722526\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F#038;description=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025B-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F&#038;title=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53202%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Another+day%2C+another+regulation+update%21+Beginning...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F#038;title=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167941af4f8129\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <article id=\"post-53196\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53196 post type-post status-publish format-standard has-post-thumbnail category-referral-partners tag-become-a-loan-broker-partner tag-business-growth tag-business-line-of-credit tag-business-loan-referral-partners tag-business-loan-referral-program tag-business-loans tag-client-engagement tag-earn-commission-on-business-loans tag-equipment-leasing tag-financial-advisory tag-financing-options tag-flex-pay-loans tag-inside-deloittes-2025-holiday-retail-buyer-survey tag-lending-experts tag-line-of-credit tag-loan-broker-commission-program tag-referral-partner-business-loans tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-strategic-partnerships tag-trusted-advisor tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"Inside Deloitte\u2019s 2025 Holiday Retail Buyer Survey\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\" rel=\"bookmark\"><span class=\"light\">Inside Deloitte\u2019s 2025 Holiday Retail Buyer Survey<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167941ccd15042\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F#038;description=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F&#038;title=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53197%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Arguably%2C+the+most+important+shopping+season...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F#038;title=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167941e0be4002\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e167941e4832346 .gem-button svg {fill: #174888;}.thegem-button-69e167941e4832346 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167941e4832346     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-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #c89c1f;color: #174888;\" onmouseleave=\"this.style.borderColor='#c89c1f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/blog\" target=\"_self\">View All Blogs<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><\/div><\/div> [\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1528387587922{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_row_inner][vc_column_inner][vc_column_text] Financing&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":24994,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-24914","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Salons &amp; Spas - ARF Financial<\/title>\n<meta name=\"description\" content=\"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Salons &amp; Spas - ARF Financial\" \/>\n<meta property=\"og:description\" content=\"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/\" \/>\n<meta property=\"og:site_name\" content=\"ARF Financial\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-02T17:36:09+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"19 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/\",\"url\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/\",\"name\":\"Salons & Spas - ARF Financial\",\"isPartOf\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#website\"},\"datePublished\":\"2017-12-29T20:08:46+00:00\",\"dateModified\":\"2025-07-02T17:36:09+00:00\",\"description\":\"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.arffinancial.com\/development\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans by Industry\",\"item\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Salons &#038; Spas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#website\",\"url\":\"https:\/\/www.arffinancial.com\/development\/\",\"name\":\"ARF Financial\",\"description\":\"Businesses Bank on Us\",\"publisher\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.arffinancial.com\/development\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#organization\",\"name\":\"ARF Financial LLC\",\"url\":\"https:\/\/www.arffinancial.com\/development\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png\",\"contentUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png\",\"width\":792,\"height\":612,\"caption\":\"ARF Financial LLC\"},\"image\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Salons & Spas - ARF Financial","description":"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/","og_locale":"en_US","og_type":"article","og_title":"Salons & Spas - ARF Financial","og_description":"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.","og_url":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/","og_site_name":"ARF Financial","article_modified_time":"2025-07-02T17:36:09+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"19 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/","url":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/","name":"Salons & Spas - ARF Financial","isPartOf":{"@id":"https:\/\/www.arffinancial.com\/development\/#website"},"datePublished":"2017-12-29T20:08:46+00:00","dateModified":"2025-07-02T17:36:09+00:00","description":"ARF Financial offers a variety of business loans for the salon and spa industry. Give us a call, today, to learn more about the financing options.","breadcrumb":{"@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/salons-spas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arffinancial.com\/development\/"},{"@type":"ListItem","position":2,"name":"Loans by Industry","item":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/"},{"@type":"ListItem","position":3,"name":"Salons &#038; Spas"}]},{"@type":"WebSite","@id":"https:\/\/www.arffinancial.com\/development\/#website","url":"https:\/\/www.arffinancial.com\/development\/","name":"ARF Financial","description":"Businesses Bank on Us","publisher":{"@id":"https:\/\/www.arffinancial.com\/development\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arffinancial.com\/development\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arffinancial.com\/development\/#organization","name":"ARF Financial LLC","url":"https:\/\/www.arffinancial.com\/development\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/","url":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png","contentUrl":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png","width":792,"height":612,"caption":"ARF Financial LLC"},"image":{"@id":"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/24914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/comments?post=24914"}],"version-history":[{"count":68,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/24914\/revisions"}],"predecessor-version":[{"id":52940,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/24914\/revisions\/52940"}],"up":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/24994"}],"wp:attachment":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/media?parent=24914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}