{"id":24924,"date":"2017-12-29T20:11:38","date_gmt":"2017-12-29T20:11:38","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24924"},"modified":"2025-07-02T13:14:01","modified_gmt":"2025-07-02T17:14:01","slug":"multi-unit-franchise-quick-service","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\/","title":{"rendered":"Multi-Unit \/ Franchise \/ Quick Service"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">The #1 Lender for Restaurateurs<\/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_1648394252637{margin-bottom: 30px !important;}&#8221;][vc_column_text]At ARF Financial, we\u2019ve engaged with thousands of restaurant owners who struggle to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward. As the restaurant industry experts, our team of seasoned loan consultants specialize in providing the trusted lending services you deserve and the most innovative products in the insustry. What\u2019s more, we live and work in your community, understand the local market and are committed to assisting you throughout the life of your business.<\/p>\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p>Running a restaurant takes much more than just culinary skills. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to restaurant loans. This means that many owners are forced into more expensive financing options such as merchant cash advances to make ends meet.<\/p>\n<\/div>\n<\/div>\n<p>We have a well-established track record of helping restaurant owners financially tackle a variety growth projects or to overcome a seasonal slow down. Our focus is to provide quick access to the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment. Here are just a few examples of how our clients use our restaurant loans.:[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1650670245992{margin-bottom: 22px !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Open another location<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-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Complete mandatory franchise updates\/refreshes<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-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Purchase new required equipment<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column][vc_column css_animation=&#8221;fadeInRight&#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-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Repair or replace existing 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-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Expand your take out and drive thru<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-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #dd9933;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text]<span style=\"color: #00659e;\">Purchase inventory in bulk<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1652634614779{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 10px !important;background: #00659e 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_1652634573837{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 26px;\">When choosing the right business lender, it\u2019s important to compare loan amounts and repayment terms because&#8230;<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1648404514066{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 70px; font-weight: bold;\">Size Matters!<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221;][vc_column][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Big projects usually mean big upfront investments, something you can\u2019t get from a merchant cash advance. If you\u2019re ready to take the plunge and go BIG this year, we have financing that\u2019s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over <strong>six times larger<\/strong> and repayment terms are more than <strong>three times longer<\/strong> than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won\u2019t interfere with your cash flow! Check out the comparison below:<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-6a1f2366430887522 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f2366430887522 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f2366430887522     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=MultiUnitRestaurantPageSizeMattersSection\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 13px;\">*Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1518654669770{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_section full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;none&#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_1529092362029{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_1531409680756{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;\">Opening Another Location<\/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]Few restaurant owners have enough cash reserves on hand to open a new location with minimal risk and enough liquidity to cover unexpected opening costs. Through our flexible loan options, we can help you open that additional location without the typical hassle or worries, giving you the franchise financing you need to grow your multi-location business. With flexible repayment options up to 36 months, ARF is the ideal choice to fund your expansion.[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a1f2366431c5 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-6a1f2366431c5\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-6a1f23664329b9462 .gem-button svg {fill: #174888;}.thegem-button-6a1f23664329b9462 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a1f23664329b9462    \"  ><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_1528394791475{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-restaurants-multiunit-page-image-waitress-960&#215;570.jpg?id=26614) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a1f236643314 {margin-top: 250px !important;}#thegem-divider-6a1f236643314 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-6a1f236643314\" 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_1529092368156{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_1650670159496{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\/2017\/10\/refinance-debt.jpeg?id=39459) !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-6a1f236643374 {margin-top: 250px !important;}#thegem-divider-6a1f236643374 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-6a1f236643374\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531952931585{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;\">Meet Franchisor Demands<\/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]As a franchisee, you will be required throughout the life of your business to fulfill franchisor requirements \u2013 often with very little lead time. These requirements can range from upgrading your location to purchasing new equipment, and more. A flexible Line of Credit from ARF Financial can help you meet these demands without causing a cash flow shortage. We\u2019ll get you the funds you need quickly![\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a1f2366433b0 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-6a1f2366433b0\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-6a1f23664348b2944 .gem-button svg {fill: #174888;}.thegem-button-6a1f23664348b2944 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a1f23664348b2944    \"  ><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_1706814733377{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_1706814738678{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\u00ad\u00ad\u00ad\u00ad\/2024.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1704990118948{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\u00ad\u00ad\u00ad\u00ad\/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\u00ad\u00ad\u00ad\u00ad\/2024.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-6a1f2366435ae7719.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a1f2366435ae7719.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a1f2366435ae7719 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f2366435ae7719 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f2366435ae7719     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_1678089691594{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-6a1f236643657307 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f236643657307 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f236643657307    \"  ><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_1675455516426{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-6a1f2366436fb8567 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f2366436fb8567 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f2366436fb8567    \"  ><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; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1680302668026{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 26px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/01\/broker_program_background.jpg?id=31350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;47024&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;7\/12&#8243;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff; font-size: 46px; line-height: 55px; font-weight: bold;\">New Client Pot of Gold!<\/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=\"color: #ffffff;\">ew 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]<style type=\"text\/css\">.thegem-button-6a1f2366437cf151 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f2366437cf151 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f2366437cf151    \"  ><a title=\"New Offers\" 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.color='#ffffff';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div> [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][\/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_1683321214268{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-6a1f23664386d1066.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a1f23664386d1066.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a1f23664386d1066 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664386d1066 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f23664386d1066     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_1685631520578{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-6a1f23664f8878311.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a1f23664f8878311.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a1f23664f8878311 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664f8878311 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a1f23664f8878311     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_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1652635676600{margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;padding-top: 2% !important;background: rgba(238,238,238,0.38) 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 !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(238,238,238) !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Minimum Qualifications<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1629898192816{margin-bottom: 30px !important;}&#8221;][vc_empty_space height=&#8221;18px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1651336862700{margin-right: 5% !important;margin-left: 5% !important;padding-right: 26px !important;padding-left: 26px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651336002032{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: 30px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Industry Type<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337160026{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We lend to more than just restaurants. Over the years we&#8217;ve expanded our approved industry types. <a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here<\/a> to see the full list of industries.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a1f23664fa3d4392 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664fa3d4392 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fa3d4392    \"  ><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_1651335263721{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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_1751476434954{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-6a1f23664fb211693 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664fb211693 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fb211693    \"  ><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_1651335401844{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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-6a1f23664fbe84218 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664fbe84218 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fbe84218    \"  ><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_1651335373754{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !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_1651337181679{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a1f23664fcd14513 .gem-button svg {fill: #ffffff;}.thegem-button-6a1f23664fcd14513 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fcd14513    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=FlexPayPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1630095816612{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">How to Apply for a Restaurant Loan<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;24px&#8221;][vc_column_text css=&#8221;.vc_custom_1652637516586{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">If you are a restaurant owner looking for working capital with higher loan amount, longer terms, and affordable payments, simply complete our online application today. There are 4 pre-qualification 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=MultiUnitRestaurantPage\" 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-6a1f23664fd7f49 .gem-button svg {fill: #174989;}.thegem-button-6a1f23664fd7f49 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fd7f49     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=MultiUnitRestaurantPage\" 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; parallax=&#8221;content-moving&#8221; css=&#8221;.vc_custom_1652635598072{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 2% !important;padding-bottom: 5% !important;background-color: rgba(0,101,158,0.08) !important;background-position: center;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Restaurant Loan Calculator<\/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;\">Use our Restaurant Loan Calculator to determine 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][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1568204228180{padding-right: 50px !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<div style=\"line-height: 20px;\" align=\"center\"><span style=\"font-size: 16px; line-height: 18px; color: #00659e; text-align: center;\">Use the sliders below to indicate annual sales, time in business and credit score.<br \/>\n<\/span><\/div>\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;1\/3&#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=\"line-height: 20px;\" align=\"center\"><span style=\"font-size: 16px; line-height: 18px; color: #00659e; text-align: center;\">Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.<br \/>\n<\/span><\/div>\n<p>[\/vc_column_text][vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMjhiYTE2N2RhLTRmNDctNDEwOS1hODBkLWJmZjlkZTVlMTY5YSUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Terms and Conditions<\/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_1528908373664{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1671729235979{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; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1607610848760{margin-bottom: 0px !important;padding-bottom: 30px !important;background: #dedede 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 !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;\"><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][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;25&#8243; css=&#8221;.vc_custom_1650584361148{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1651239327846{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 35px !important;padding-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.85) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;145&#215;145&#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]<\/p>\n<p style=\"text-align: center;\">Your business is always evolving. Wouldn\u2019t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit &#8211; BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment \u2013 plus the flexibility to pay down or draw additional funds on an unlimited basis!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a1f23664fe6b7830 .gem-button svg {fill: #002f65;}.thegem-button-6a1f23664fe6b7830 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664fe6b7830    \"  ><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_1651239433856{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 35px !important;padding-bottom: 10px !important;padding-left: 35px !important;background-color: rgba(255,255,255,0.85) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;145&#215;145&#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]<\/p>\n<p style=\"text-align: center;\">We believe growing your business shouldn\u2019t mean sacrificing your cash flow, and with ARF&#8217;s new Interest-Only Flex Pay Loan it doesn\u2019t. It now allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a1f23664ffa88093 .gem-button svg {fill: #002f65;}.thegem-button-6a1f23664ffa88093 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f23664ffa88093    \"  ><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_1651233228420{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 30px !important;padding-bottom: 10px !important;padding-left: 30px !important;background-color: rgba(255,255,255,0.85) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;145&#215;145&#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]<\/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, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a1f2366501322675 .gem-button svg {fill: #002f65;}.thegem-button-6a1f2366501322675 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f2366501322675    \"  ><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_1651233213808{border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 10px !important;padding-right: 30px !important;padding-bottom: 10px !important;padding-left: 30px !important;background-color: rgba(255,255,255,0.85) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(255,255,255) !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;41446&#8243; img_size=&#8221;145&#215;145&#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]<\/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-6a1f2366501f55827 .gem-button svg {fill: #002f65;}.thegem-button-6a1f2366501f55827 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a1f2366501f55827    \"  ><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_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1646229528136{margin-top: 30px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">What Our Customers Are Saying<\/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_single_image image=&#8221;32318&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1648223576720{margin-bottom: 0px !important;}&#8221;][vc_raw_html]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[\/vc_raw_html][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/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_1649623127668{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/management-team.jpg?id=40679) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a1f23665024c {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-6a1f23665024c\" 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; css_animation=&#8221;zoomIn&#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 for funds in 24 to 48 hours! 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