{"id":24932,"date":"2017-12-29T20:13:59","date_gmt":"2017-12-29T20:13:59","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=24932"},"modified":"2023-10-25T14:47:26","modified_gmt":"2023-10-25T18:47:26","slug":"specialty-food-shops","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/specialty-food-shops\/","title":{"rendered":"Specialty Food Shops"},"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_1613503018468{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_1529092738174{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 full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1650743853305{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\/4&#8243; offset=&#8221;vc_hidden-xs&#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 style=\"text-align: center;\">Financing for Specialty Food Shops<\/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_1650744243349{margin-bottom: 30px !important;}&#8221;][vc_column_text]At ARF Financial, we\u2019ve engaged with thousands of restaurant and retail business 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\/hospitality industry experts, our team of seasoned loan consultants specialize in providing the trusted customer service you deserve with industry-leading loan products. 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 loan.<\/p>\n<p>At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Confidently approach food purveyors for the best volume pricing when you have the capital available to make it happen.<\/p>\n<p>We\u2019re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are just a few examples of how to put our specialty food shop financing to work in your business:[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/4&#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; font-size: 21px;\">Remodel or redecorate your shop<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; font-size: 21px;\">Purchase inventory in bulk<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; font-size: 21px;\">Open another location<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\/4&#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; font-size: 21px;\">Purchase new kitchen 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; font-size: 21px;\">Start a new marketing campaign<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; font-size: 21px;\">Overcome a dip in sales due to seasonality<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1650747436762{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 5px !important;background: #00659e 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][vc_column_text css=&#8221;.vc_custom_1647287096569{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 29px;\">When choosing a business lender, it\u2019s important to compare loan size and repayment terms because&#8230;<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInUp&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 80px; 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; css=&#8221;.vc_custom_1650747690434{margin-bottom: 0px !important;}&#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;\">You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over <strong>six times larger<\/strong>\u00a0and repayment terms are more than\u00a0<strong>three times longer<\/strong> than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won\u2019t interfere with your cash flow! Check out the comparison below.:<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][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 css=&#8221;.vc_custom_1650747679987{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-69e5b20986abc8534 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b20986abc8534 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b20986abc8534     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='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=SpecialtyFoodShopsPageSizeMattersSection\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_column_text]<\/p>\n<div style=\"text-align: center;\"><span style=\"font-size: 14px; line-height: 19px;\">*Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1518722369229{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=&#8221;.vc_custom_1528387897701{margin: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1652663834417{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 5% !important;padding-left: 10% !important;background-color: #dedede !important;}&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: left;\">Grow Your Profits While Maximizing Cash Flow<\/h3>\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]Specialty foods are defined as being unique and having a high value. They use the best quality ingredients, and are usually made in small batches. That means it can be expensive to stock inventory or add new product lines to grow your business. Whatever kind of specialty food shop funding you need, ARF Financial provides working capital loans up to $500,000, with flexible repayment terms up to 36 months. ARF also offers a Flex Pay product that allows you to defer part of your loan\u2019s repayment into the future, lowering your payments now to maximize your business\u2019 cash flow.[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b20986b39 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e5b20986b39\" class=\"gem-divider  \" style=\"\" ><\/div><style type=\"text\/css\">.thegem-button-69e5b20986bd21620 .gem-button svg {fill: #00659e;}.thegem-button-69e5b20986bd21620 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b20986bd21620    \"  ><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=SpecialtyFoodShopsPageCalculator\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531953473773{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\/Restaurants_SpecialtyFood_Page_Design_13.jpg?id=25073) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b20986c07 {margin-top: 250px !important;}#thegem-divider-69e5b20986c07 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e5b20986c07\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1528387897701{margin: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531953486271{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\/Restaurants_SpecialtyFood_Page_Design_14.jpg?id=25074) !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-69e5b20986c22 {margin-top: 250px !important;}#thegem-divider-69e5b20986c22 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e5b20986c22\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1652663851012{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 5% !important;padding-left: 10% !important;background-color: #dedede !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: left;\">Seize Your Next Opportunity<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387879968{margin-bottom: 30px !important;}&#8221;][vc_column_text]ARF Financial, known as the specialty food shop financing experts, can get you the funding you need when you need it to seize opportunities as they arise. Whether it\u2019s to expand your current facility, move into a larger space or open a second location, growth is the key to ongoing success.[\/vc_column_text]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b20986c37 {margin-top: 15px !important;}<\/style><div id=\"thegem-divider-69e5b20986c37\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text]<\/p>\n<h3 style=\"text-align: left;\">Unexpected Financial Hurdles<\/h3>\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 business owner you know that things happen, creating unexpected financial hurdles that must be overcome. If you don\u2019t have the cash on hand to manage these unexpected occurrences don\u2019t worry. ARF Financial has a Line of Credit product designed to provide you 24-hour access to the working capital you need, at a moment\u2019s notice. Being prepared is smart and using ARF\u2019s Line of Credit can give you the peace of mind many business owners simply don\u2019t have.[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e5b20986ca42367 .gem-button svg {fill: #00659e;}.thegem-button-69e5b20986ca42367 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b20986ca42367    \"  ><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=SpecialtyFoodShopsPageCalculator\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row_content&#8221; parallax=&#8221;content-moving&#8221; css=&#8221;.vc_custom_1568203872009{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 2% !important;padding-bottom: 5% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center;background-repeat: no-repeat;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;18px&#8221;][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;\">Business 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 Business Loan Calculator to calculate loan amount.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][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_row_inner css=&#8221;.vc_custom_1652663737119{margin-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style type=\"text\/css\">.thegem-button-69e5b20986d415767 .gem-button svg {fill: #00659e;}.thegem-button-69e5b20986d415767 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b20986d415767     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: #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=SpecialtyFoodShopsPageCalculator\" 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_inner][vc_column_inner width=&#8221;1\/3&#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_1671729261558{margin-right: 20% !important;margin-left: 20% !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 11px; line-height: 14px;\">ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (\u201cPartner Banks\u201d), (collectively herein referred to as \u201cLender\u201d). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender\u2019s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and\/or any information available from the public domain relating to the business\u2019 or the guarantor\u2019s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant\u2019s business entity with the State where they are located; or any other information that may reflect on the business or guarantor\u2019s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1650746865776{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]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b20986d6e {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e5b20986d6e\" 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: 30px; font-size: 22px;\">Use our online application to get approved for funds in 24 to 48 hours! 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