{"id":24918,"date":"2017-12-29T20:10:02","date_gmt":"2017-12-29T20:10:02","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24918"},"modified":"2022-10-03T17:38:54","modified_gmt":"2022-10-03T21:38:54","slug":"hotels","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/hospitality\/hotels\/","title":{"rendered":"Hotels"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1659331780974{border-bottom-width: 3px !important;padding-top: 10px !important;padding-bottom: 10px !important;background-color: #ffffff !important;border-bottom-color: #ededed !important;border-bottom-style: solid !important;}&#8221;][vc_column css_animation=&#8221;appear&#8221; css=&#8221;.vc_custom_1529093877238{margin-top: -65px !important;margin-bottom: 15px !important;padding-top: 25px !important;}&#8221;]<div class=\"fullwidth-block\"> <div class=\"gem-client-set-title\"> <div class=\"container\"> <div class=\"clients_title\"><h3> <\/h3><\/div> <\/div> <\/div> <div class=\"gem_client-carousel \" > <div class=\"preloader\"> <div class=\"preloader-spin\"><\/div> <\/div> <div class=\" gem_client_carousel-items\" data-autoscroll='0'> <div class=\"gem-client-item \" > <span><img width=\"144\" height=\"73\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-buffalo-wild-wings-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-buffalo-wild-wings-color\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"176\" height=\"42\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-jiffy-lube-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-jiffy-lube-color\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"175\" height=\"50\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-subway-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-subway-color\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"172\" height=\"39\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-dominos-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-dominos-color\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-Wingstop-logo.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-Wingstop-logo\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"75\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-clientlogos-client-shanes.jpg\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-shanes\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-Mooyah.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-Mooyah\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-metro_liquor_logobig.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-metro_liquor_logobig\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"75\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-clientlogos-client-massageenvy.jpg\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-massageenvy\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-logo.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-logo\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"125\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-clientlogos-client-lacantina.jpg\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-lacantina\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"98\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-clientlogos-client-jersermikes.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-jersermikes\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-gnclogo2.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-gnc+logo+2\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-GenghisGrillLogo.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-GenghisGrillLogo\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-FreddysLogo.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-FreddysLogo\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-Five_Guys_logo.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-Five_Guys_logo\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"78\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/arf-clientlogos-client-cicis.jpg\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-cicis\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"200\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-bull_tacos_4c1.jpg\" class=\" wp-post-image\" alt=\"logos-carousel-bull_tacos_4c1\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"136\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/07\/logos-carousel-lyndells-bakery_136x75.png\" class=\" wp-post-image\" alt=\"logos-carousel-lyndells-bakery_136x75\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"98\" height=\"75\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-mcdonalds-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-mcdonalds-color\" \/><\/span><\/div> <div class=\"gem-client-item \" > <span><img width=\"114\" height=\"68\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-clientlogos-client-holiday-inn-color.png\" class=\" wp-post-image\" alt=\"arf-clientlogos-client-holiday-inn-color\" \/><\/span><\/div> <\/div> <\/div> <\/div>[\/vc_column][\/vc_row][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 width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;26185&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-xs&#8221;][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<h2>Custom Financing for Hotels<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387525394{margin-bottom: 30px !important;}&#8221;][vc_column_text]With an established track record of providing ideal, custom financing solutions for hotels, ARF Financial is here to provide the trusted lending services you deserve. Our team of personal financial consultants specialize in providing the right loan products that make sense to keep your business profitable and moving forward. What\u2019s more, we live and work in your community and are committed to work side-by-side with you throughout the life of your \u00a0business.<\/p>\n<p>Our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Here are some valuable options to put hotel financing to work in your business:[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345069828{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Upgrade your hotel\u2019s rooms, furniture and fixtures<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345085497{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Improve the curb appeal of your facility <\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345101504{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Add a pool, restaurant, or bar<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345117468{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Add a workout facility and equipment<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345141766{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Add conference rooms or additional meeting space<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345159115{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Open an additional location<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345179080{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Offer professional development and training for your staff<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #81a094;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #81a094;\"><span class=\"back-angle\">&#xf236;<\/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_1529345192578{padding-top: 10px !important;}&#8221;]<span style=\"color: #81a094;\">Bridge slow or seasonal periods<\/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_1528910522913{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_section full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221;][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1529093892730{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531412221617{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;background-color: #dedede !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Invest In Your Customer&#8217;s Satisfaction<\/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]Is your hotel optimized for your customers\u2019 satisfaction?\u00a0 Are you meeting their needs when they stay at your property?\u00a0 Do they find the rooms, facilities and property top notch?\u00a0 How do they rate your employees\u2019 customer service?\u00a0 Investing in your customers\u2019 satisfaction may be the quickest way to boost your profitability, because happy guests refer other visitors \u2013 lots of them. \u00a0\u00a0If you need to improve your guests\u2019 experience then turn to ARF Financial!\u00a0 We provide Working Capital Loans, Bridge Loans and Lines of Credit to ensure you have the capital you need to maximize your business\u2019 profitability.\u00a0 \u00a0Whether your need is big or small, ARF Financial will customize a loan to your individual business situation.[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e787ab6e3e3 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e787ab6e3e3\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-69e787ab6e5bc8510 .gem-button svg {fill: #174888;}.thegem-button-69e787ab6e5bc8510 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e787ab6e5bc8510    \"  ><a class=\"gem-button gem-button-size-small 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=\"\/working-with-us\/compare-us\/insight-report\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1528910436082{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-hospitality-hotels-image-customers-checking-in-960&#215;570.jpg?id=26186) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e787ab6e640 {margin-top: 250px !important;}#thegem-divider-69e787ab6e640 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e787ab6e640\" 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_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1529093898672{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531940880648{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-hospitality-hotels-image-room-service-960&#215;571.jpg?id=26188) !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-69e787ab6e669 {margin-top: 250px !important;}#thegem-divider-69e787ab6e669 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e787ab6e669\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531940884385{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;background-color: #dedede !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Expand Your Offerings<\/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]Whether it\u2019s a gorgeous swimming pool and spa, outstanding on-site restaurant, or high-quality fitness facility, these valuable add-ons can make all the difference to drive profitability and attract more business. ARF Financial is an experienced lending company that you can bank on to get you the capital you need to grow \u2014 all the way up to $1 million. Thanks to our low-documentation process, no need for collateral, and lower barriers for less-than-perfect credit, we can help you obtain all the funding you need at longer terms to allow you to finance growth projects without hurting your cash flow.[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e787ab6e68d {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e787ab6e68d\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-69e787ab6e72f967 .gem-button svg {fill: #174888;}.thegem-button-69e787ab6e72f967 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e787ab6e72f967    \"  ><a class=\"gem-button gem-button-size-small 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=\"\/working-with-us\/compare-us\/insight-report\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1626207388568{background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-financial-website-thankyou-page-image-geo-background-1920&#215;563.jpg?id=26606) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Loan Calculator<\/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;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business\u2019s annual sales, time in business, your credit score, whether you own a home, and if you\u2019ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]\n\t\t<div class=\"calculator\">\n\n\t\t\t<div class=\"rangeslider-wrap range-slider-revenue\">\n\t\t\t<input type=\"range\" min=\"90000\" max=\"5000000\" step=\"10000\">\n\t\t\t<h6>Annual Sales<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap time-in-business\">\n\t\t\t<input type=\"range\" min=\"0\" max=\"60\" step=\"1\">\n\t\t\t<h6>Time in Business<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap fico-score\">\n\t\t\t<input type=\"range\" min=\"551\" max=\"850\" step=\"1\">\n\t\t\t<h6>FICO Score<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects\">\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"homeowner\" name=\"homeowner\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\" selected>Homeowner?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-late\">Yes, mortgage 1+ months late<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-homeowner\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"bankruptcy\" name=\"bankruptcy\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\">Bankruptcy?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-old\">Yes, 1+ years ago<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-bankruptcy\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\t<button class=\"calculator-button\">Calculate My Loan Potential<\/button>\n\n\t\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_empty_space][vc_column_text]\n\t\t<div class=\"calculator-results\">\n\t\t\t<table>\n\t\t\t<tr>\n\t\t\t\t<th>Term<\/th>\n\t\t\t\t<th>Loan Amount<\/th>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>12 month<\/td>\n\t\t\t\t<td class=\"loanAmount_12Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>18 month<\/td>\n\t\t\t\t<td class=\"loanAmount_18Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>24 month<\/td>\n\t\t\t\t<td class=\"loanAmount_24Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>36 month<\/td>\n\t\t\t\t<td class=\"loanAmount_36Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<\/table>\n\t\t<\/div>\n\t[\/vc_column_text][vc_empty_space]<style type=\"text\/css\">.thegem-button-69e787ab6e82a9227 .gem-button svg {fill: #00659e;}.thegem-button-69e787ab6e82a9227 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e787ab6e82a9227    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=HotelPageCalculator\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Loan amounts may be increased with the review of tax returns and financials. Time in Business &#8211; Must be operating under the same ownership and concept. Homeownership &#8211; Home must be in your name. Bankruptcy &#8211; Includes personal and business bankruptcy<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221;][vc_column][vc_text_separator title=&#8221;TERMS AND CONDITIONS&#8221; color=&#8221;custom&#8221; accent_color=&#8221;#cd9d2f&#8221;][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221;][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: center; font-size: 11px; line-height: 14px;\">ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (\u201cPartner Banks\u201d), (collectively herein referred to as \u201cLender\u201d). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender\u2019s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal 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 disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1626207537481{margin-top: 80px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Our Partnerships &amp; Offers<\/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_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial has secured exclusive relationships with banks across the country, so we can help you obtain the financing you need to keep your business moving forward. Unlike other lenders, we go even further to ensure your business\u2019 profitability over time with no-cost value add-ons for our clients.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221; disable_element=&#8221;yes&#8221;][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;24848&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Through our New Client Rewards Program you can receive a free Amex Gift Card up to $3,000* &#8211; no strings attached &#8211; after your loan funds.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e787ab6e9241827.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e787ab6e9241827.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e787ab6e9241827 .gem-button svg {fill: #174888;}.thegem-button-69e787ab6e9241827 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e787ab6e9241827     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-small gem-button-style-outline gem-button-text-weight-normal gem-button-border-2 lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/working-with-us\/current-offers\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;26500&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">BOOST is our way of giving you access to valuable products and services that can help you drive revenue and customers to your business to power future performance.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e787ab6e9e41427.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e787ab6e9e41427.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e787ab6e9e41427 .gem-button svg {fill: #174888;}.thegem-button-69e787ab6e9e41427 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e787ab6e9e41427     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-small gem-button-style-outline gem-button-text-weight-normal gem-button-border-2 lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/working-with-us\/compare-us\/boost\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;26503&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business\u2019 creditworthiness.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e787ab6ea9c6227.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e787ab6ea9c6227.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e787ab6ea9c6227 .gem-button svg {fill: #174888;}.thegem-button-69e787ab6ea9c6227 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e787ab6ea9c6227     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-small gem-button-style-outline gem-button-text-weight-normal gem-button-border-2 lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/working-with-us\/compare-us\/insight-report\/\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<p style=\"line-height: 15px;\"><span style=\"font-size: 10px;\">*Receipt of the 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 $25,000 within 30 days of merchant&#8217;s completed application to receive a $1,000 gift card, borrowing $50,000 to receive a $2,000 gift card or borrowing $100,000 or more to receive the $3,000 gift card. 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 120 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.<\/span><\/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_1530051299734{margin-bottom: 0px !important;}&#8221;][vc_column][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 css=&#8221;.vc_custom_1528493138498{padding-top: 50px !important;padding-right: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;background: #a0a0a0 url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2017\/12\/arf-website-home-image-get-your-quote-968&#215;441.jpg?id=24867) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e787ab6eade {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e787ab6eade\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Receive an offer and approval for funds in 24 to 48 hours when you apply online! <\/span><\/h3>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e787ab6eb742753 .gem-button svg {fill: #ffffff;}.thegem-button-69e787ab6eb742753 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e787ab6eb742753 footerbutton   \"  ><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=HotelsPage\" target=\"_self\">APPLY NOW<\/a><\/div> <div class=\"clearboth\"><\/div><style>#thegem-divider-69e787ab6ebb4 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e787ab6ebb4\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1529357323767{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 5% !important;padding-bottom: 5% !important;background-color: #ffffff !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 offset=&#8221;vc_hidden-xs&#8221;]<div class=\"preloader\"><div class=\"preloader-spin\"><\/div><\/div><div id=\"style-d9002ca\" data-style-uid=\"d9002ca\" 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 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