{"id":36624,"date":"2021-03-30T13:13:41","date_gmt":"2021-03-30T17:13:41","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=36624"},"modified":"2025-07-02T13:03:33","modified_gmt":"2025-07-02T17:03:33","slug":"pet-store-veterinary","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/","title":{"rendered":"Pet Store\/Veterinary Financing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1649167413456{padding-top: 3% !important;padding-bottom: 5% !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1566906254456{margin-right: 25px !important;}&#8221;][vc_column_inner]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a21c15eac355 {margin-top: 10px !important;}<\/style><div id=\"thegem-divider-6a21c15eac355\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_column_text css=&#8221;.vc_custom_1649165454446{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"line-height: 45px;\">Financing for Pet Stores &amp; Veterinarians<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1567178232150{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1652748367453{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #00659e; font-size: 23px;\">Is Your Pet Store or Veterinary Practice Ready to Grow?<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial has business loans and lines of credit designed for pet store owners and veterinarians. With an established track record of providing pet store\/veterinary financing, our team of seasoned loan consultants specialize in delivering the trusted financial guidance you deserve with the industry-leading loan products you need to keep your store or practice profitable. Do you have student loans? No problem! Most veterinarians come with student loans, and we have loan products specifically designed to take those into account. We understand your unique needs and have loans and lines of credit to fit every situation.<\/p>\n<p style=\"text-align: center;\">At ARF, our focus is to get you the working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Running a successful pet store or veterinary practice takes much more than just veterinary school training. It also takes ongoing access to capital to remain relevant and competitive. Banks continue to tighten their lending requirements resulting in diminished access to pet store\/veterinary financing. This means many pet store owners and veterinarians are forced into more expensive financing options such as merchant cash advances to make ends meet.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;22px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1652747799970{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 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][vc_column_text css=&#8221;.vc_custom_1652747969413{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 28px;\">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_animation=&#8221;fadeInUp&#8221; css=&#8221;.vc_custom_1652748012122{margin-top: 6px !important;margin-bottom: 16px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 65px; font-weight: 900;\">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_1651009006401{margin-bottom: 18px !important;}&#8221;][vc_column][vc_empty_space height=&#8221;40px&#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;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][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-6a21c15eac5204812 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac5204812 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15eac5204812     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=PetStoreVeterinaryPageSizeMattersSection\" 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: 15px;\">*Completing and 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; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706815409573{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_1706815416233{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_1704989070244{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-6a21c15eac61f4312.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a21c15eac61f4312.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a21c15eac61f4312 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac61f4312 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac61f4312     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_1678088265065{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-6a21c15eac6c06384 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac6c06384 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac6c06384    \"  ><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_1675458012407{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-6a21c15eac7648746 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac7648746 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac7648746    \"  ><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_content&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1680302199044{margin-bottom: 0px !important;padding-top: 20px !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 width=&#8221;1\/6&#8243;][\/vc_column][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1649166825188{padding-left: 15% !important;}&#8221;][vc_single_image image=&#8221;47024&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1652631129973{padding-right: 120px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left;\"><span style=\"color: #00659e; line-height: 40px;\"><span style=\"color: #ffffff;\">New Client Pot of Gold!<\/span><br \/>\n<\/span><\/p>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">New clients get a pot of gold this month. We\u2019re giving away $500 Amex Gift Cards for every $50,000 they draw from their line of credit. This promo maxes out at $5,000 worth of gift cards. Loans must fund on or before March 31st, 2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Gift card offer is only available to new merchants (out of the program 120 days or more). To qualify, merchant must borrow $50,000 or more on or before March 31st, 2023. Maximum gift card earnings is $5,000. Merchant\u2019s must be approval under ARF Financial\u2019s standard underwriting models and policies, merchant\u2019s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $50,000. Promotion is only valid on loans with terms of 39 weeks or longer. IO Flex Pay Loans are also excluded.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15eac8234316 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac8234316 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac8234316    \"  ><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=WorkingCapitalPage\" target=\"_self\">APPLY NOW<\/a><\/div> [vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/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_1683321794271{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-6a21c15eac8f29801.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a21c15eac8f29801.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a21c15eac8f29801 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac8f29801 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac8f29801     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_1685633170798{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-6a21c15eac991565.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-6a21c15eac991565.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-6a21c15eac991565 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15eac991565 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eac991565     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/www.arffinancial.com\/development\/working-with-us\/current-offers\/\" target=\"_self\">LEARN MORE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1649167164803{margin-top: 0px !important;margin-bottom: 0px !important;background: #dddddd url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;18px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Why is ARF Financial Different?<\/strong><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1567178232150{margin-bottom: 30px !important;}&#8221;][vc_column_text]Since 2001, ARF Financial has helped tens of thousands of pets stores and veterinarians like you secure over a billion dollars in loan proceeds! Our loans are <strong>not<\/strong> merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction.<\/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 some valuable options to put pet store\/veterinary financing to work in your business:[\/vc_column_text][vc_row_inner css=&#8221;.vc_custom_1649165996873{margin-bottom: 0px !important;}&#8221;][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652830243397{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Renovate or remodel your store or offices<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652830968599{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Purchase or upgrade equipment and technology<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652830977450{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Provide additional training or hire new staff<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652830989227{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Paying off more expensive loans or other outstanding debts<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652830997724{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Open another location or buy out a veterinary practice or pet store<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652831007563{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Add new ancillary services<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652831016407{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Bridge private carrier insurance payments<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652831026117{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Buy out a business partner or buy into a new opportunity<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652831035247{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Overcoming short-term cash gaps<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle\"  style=\"border-color: #ffffff;border-color: #cd9d2f;opacity: 1;\"><div class=\"gem-icon-inner\" style=\"background-color: #ffffff;\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf0f0;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652831044822{padding-top: 19px !important;}&#8221;]<span style=\"color: #00659e;\">Take advantage of other business opportunities<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-6a21c15eacf786657 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15eacf786657     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;14px&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1649165897120{margin-top: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;20px&#8221;][vc_single_image image=&#8221;41148&#8243; img_size=&#8221;500&#215;59&#8243; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;30px&#8221;][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1518566688277{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 15px !important;background-color: #174888 !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">The Difference is Insight<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_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_1531303678123{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;background-color: #dfdfdf !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Flexible Loan Terms that Make Sense<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387879968{margin-bottom: 30px !important;}&#8221;][vc_column_text]ARF Financial will provide you the one-on-one support you deserve to ensure your loan is customized to specifically meet your needs and your individual business situation.\u00a0 Whether you\u2019re upgrading your equipment and technology, adding new clinical services, or simply improving your cash flow while waiting on historically slow insurance payments, ARF Financial is here to help. \u00a0We provide a complete range of loan options for pet store owners and veterinarians, whether you need $5,000 or $1 million in working capital. And when you apply for funding through ARF Financial, the interest you pay on your loan is tax deductible![\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-6a21c15ead01b9304 .gem-button svg {fill: #174888;}.thegem-button-6a21c15ead01b9304 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a21c15ead01b9304    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#174888';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1617123426700{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\/2021\/03\/shutterstock_471125621-e1617123403834.jpg?id=36627) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a21c15ead06e {margin-top: 250px !important;}#thegem-divider-6a21c15ead06e {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-6a21c15ead06e\" 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_1650820210208{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;background-color: #00659e !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1617123812707{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\/2021\/03\/shutterstock_181282691-e1617123634709.jpg?id=36628) !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-6a21c15ead0a1 {margin-top: 250px !important;}#thegem-divider-6a21c15ead0a1 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-6a21c15ead0a1\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1531954424490{padding-top: 10% !important;padding-right: 10% !important;padding-bottom: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #ffffff;\">It Pays to Be Prepared<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528387879968{margin-bottom: 30px !important;}&#8221;][vc_column_text]<span style=\"color: #ffffff;\">There are countless reasons why pet store owners and veterinarians of all sizes turn to ARF Financial for their financing needs. Every loan we provide comes with an optional line of credit with 24-hour access to the capital you need when you need it. We offer flexible terms up to 36 months. Loans over $500,000 we will work with you to find the best possible mix to get you funded. What\u2019s more, there\u2019s very little paperwork to complete, and approvals are granted in 24 to 48 hours.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-6a21c15ead11c846 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15ead11c846 .gem-button:hover svg {fill: #002f65;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a21c15ead11c846    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#002f65';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1653744188924{margin-bottom: 0px !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1653744085620{margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>What is a Pet Store\/Veterinary loan or Line of Credit?<\/h3>\n<p>[\/vc_column_text][vc_column_text]Pet store\/veterinary financing are customized business loans and lines of credit designed specifically for pets store owners and veterinarians. Pet store\/veterinary financing takes into consideration the unique needs of pet store owners and veterinarians including business model, partnership structure and timeliness of funding for emergencies. Our pet store\/veterinary financing options are also used to retain equity or buy back equity from business partners. Some pet store owners and veterinarians simply use our loans and lines of credit as bridge financing until payments come through from insurers.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653744076244{margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>Who Needs A Pet Store\/Veterinary Financing?<\/h3>\n<p>[\/vc_column_text][vc_column_text]Pet store\/veterinary financing in the form of loans and lines of credit are available to any pet store owner or veterinarian who needs capital to fund projects such as equipment financing, inventory financing, building renovations, practice expansions, upgrading computer systems, paying off outstanding debt, buy out a business partner, licenses, signage, adding ancillary services, marketing and advertising, buying a new store or practice, stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons pet store owners and veterinarians choose ARF Financial first.<\/p>\n<p>Smart pet store owners and veterinarians are choosing our pet store\/veterinary financing because rates are low, the terms are flexible, and payments are fixed. These pet store\/veterinary financing are not tied to your credit card receipts which means you have access to a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/restaurants\/multi-unit-franchise-quick-service\/\">working capital<\/a> cushion that is available for any business opportunity, repairs or for cash flow needs.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1653744063202{margin-bottom: 11px !important;}&#8221;]<\/p>\n<h3>Pet\/Store\/Veterinary Loan Versus a Merchant Cash Advance<\/h3>\n<p>[\/vc_column_text][vc_column_text]A merchant cash advance is not a pet store\/veterinary loan. It is a form of factoring where a financial services company buys your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.<\/p>\n<p><img class=\"alignnone wp-image-28443\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/cash-chart.png\" alt=\"restaurant loan advantages\" width=\"500\" height=\"181\" \/> <img class=\"alignnone wp-image-28440\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/loan-chart1.png\" alt=\"restaurant loan chart\" width=\"500\" height=\"159\" \/><\/p>\n<p>The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds to your business significantly.<\/p>\n<p>Pet store owners and veterinarians, like many business owners, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for owners, pet store\/veterinary financing is actually just as quick and cost way less in the long run. ARF Financial offers fixed, weekly payments that never change \u2013 great for budgeting and cash flow. As with most deals, the merchant cash advance depends on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.<\/p>\n<p>Our pet store\/veterinary loans do not rely on a registered card platform or credit card transactions for re-payment. Therefore, you can implement any marketing program you desire to drive sales without the risk of double dipping. Don\u2019t let other companies convert your existing customers into discount customers.<\/p>\n<p>If your business is growing, don\u2019t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful pet store owner or veterinarian, why undermine your company&#8217;s operating health by giving away your new increased sales? Also, unlike a merchant cash advance, the interest on our pet store\/veterinary loans are tax deductible. This effectively lowers the total cost of your pet store\/veterinary loan in the long run.<\/p>\n<p>A pet store\/veterinary loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the owner\/practitioner, reaps the benefits of increased sales, not the cash advance company.<\/p>\n<p>No matter what the future holds, ARF Financial is your best choice for pet store\/veterinary loans and lines of credit to capitalize on new business opportunities \u2013 often when conventional banks simply won\u2019t consider it.[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead1ca3955 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead1ca3955     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1646272176811{margin-bottom: 0px !important;padding-top: 5% !important;background: #eeeeee url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/01\/arf-boost-page-design-image-geo-background-1918&#215;886.png?id=26242) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">How to Qualify &#8211; Pet Stores and Veterinarians<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Business loans and lines of credit for pet stores and veterinarians are approved based on the qualifying criteria below. No single requirement will guarantee an approval. However, applicants should be prepared to produce key documents about their business and other relevant data to receive an approval.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;10&#8243; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1646319287974{margin-right: 15px !important;margin-left: 15px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1646320827770{background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 5px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-calendar&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Time in Business<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652748988445{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">The length of time the business has been open and operating under the same ownership is an important factor during the approval process. Pet stores or veterinary practices that have been open and operating for at least one month (30 days) may qualify.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead25f453 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead25f453    \"  ><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.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY ONLINE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1646320835937{background-color: rgba(0,0,0,0.1) !important;*background-color: rgb(0,0,0) !important;border-radius: 5px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-university&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Bank Statements<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652748999996{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">During the approval process, we look at three of your business&#8217;s most recent months of bank statements. In accessing credit worthiness, your business account gives definitive evidence of your monthly cash flow and helps determine loan amount.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead2d3950 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead2d3950    \"  ><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.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY ONLINE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1646320845627{background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 5px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-credit-card&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Credit Score<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1751475808069{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">A minimum credit score of 575 is required. ARF does consider a mix of criteria, not just your credit score, in order to make a final decision. We have partnered with many banks to offer even more options for pet store owners and veterinarians with less than perfect credit.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead3435274 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead3435274    \"  ><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.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY ONLINE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1646320855957{background-color: rgba(0,0,0,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-radius: 5px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-money&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Sales Volume<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652749033223{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">To qualify for a loan with ARF Financial, your pet store or veterinary practice must generate a minimum of $200,000 in annual sales (approximately $17,000 per month) actual or projected. Total sales includes both cash and credit card receipts.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead3b03912 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead3b03912    \"  ><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.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY ONLINE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1646320866409{background-color: rgba(0,101,158,0.15) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-radius: 5px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fa fa-bar-chart&#8221; color=&#8221;custom&#8221; size=&#8221;xl&#8221; align=&#8221;center&#8221; custom_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Debt to Credit Ratio<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text css=&#8221;.vc_custom_1652749055839{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">ARF Financial, like most lenders, will also examine your debt-to-ccredit ratio as part of the approval process. If your pet store or veterinary practice is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead4572644 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead4572644    \"  ><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.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">APPLY ONLINE<\/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;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Hassle-Free Process<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial has built relationships with banks around the country, so you can acquire a restaurant loan quickly with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won\u2019t increase as revenue grows. With an ARF Financial restaurant loan, you actually are rewarded for your success and you keep more of what you earn.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;26px&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Our Loans for Pet Stores and Veterinarians Feature:<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;4\/5&#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-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652821958696{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">A renewable Line of Credit with access to 5 drafts for 6 months<\/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-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652822014723{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">Fast approvals and fundings in less than a week<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1699301061042{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">Loan amounts up to $750,000<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652822087755{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">Fixed repayment terms up to 36 months<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652822128699{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">Low rates, fixed payments and no hidden fees<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-elegant 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: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#x5a;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1652822536728{margin-top: 3px !important;}&#8221;]<span style=\"color: #00659e;\">Tax deductible interest and early payoff options<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221;][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">How to Apply<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;2&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<div class=\"box box1\">\n<p style=\"text-align: center;\">If you&#8217;re a pet store owner or veterinarian looking for financing with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. We also have <a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">local loan consultants<\/a> who are knowledgeable about your specific market and will work side-by-side with you throughout the process. Our online application quick, simple and there are no hard credit pulls so your credit will not be affected.<\/p>\n<\/div>\n<div class=\"box box1\"><\/div>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead83c7796 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead83c7796     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174888;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174888';\" onmouseenter=\"\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPage\" target=\"_self\">I&#039;M READY TO APPLY<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1651009245389{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/04\/man-woman-meeting-light.jpg?id=41817) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h1 style=\"text-align: center;\">Business Loan Calculator<\/h1>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1665494430508{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; color: #00659e;\">Use our business loan calculator to calculate loan amount!<\/span><\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]\n\t\t<div class=\"calculator\">\n\n\t\t\t<div class=\"rangeslider-wrap range-slider-revenue\">\n\t\t\t<input type=\"range\" min=\"90000\" max=\"5000000\" step=\"10000\">\n\t\t\t<h6>Annual Sales<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap time-in-business\">\n\t\t\t<input type=\"range\" min=\"0\" max=\"60\" step=\"1\">\n\t\t\t<h6>Time in Business<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap fico-score\">\n\t\t\t<input type=\"range\" min=\"551\" max=\"850\" step=\"1\">\n\t\t\t<h6>FICO Score<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects\">\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"homeowner\" name=\"homeowner\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\" selected>Homeowner?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-late\">Yes, mortgage 1+ months late<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-homeowner\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"bankruptcy\" name=\"bankruptcy\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\">Bankruptcy?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-old\">Yes, 1+ years ago<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-bankruptcy\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\t<button class=\"calculator-button\">Calculate My Loan Potential<\/button>\n\n\t\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_empty_space][vc_column_text]\n\t\t<div class=\"calculator-results\">\n\t\t\t<table>\n\t\t\t<tr>\n\t\t\t\t<th>Term<\/th>\n\t\t\t\t<th>Loan Amount<\/th>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>12 month<\/td>\n\t\t\t\t<td class=\"loanAmount_12Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>18 month<\/td>\n\t\t\t\t<td class=\"loanAmount_18Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>24 month<\/td>\n\t\t\t\t<td class=\"loanAmount_24Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>36 month<\/td>\n\t\t\t\t<td class=\"loanAmount_36Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<\/table>\n\t\t<\/div>\n\t[\/vc_column_text][vc_empty_space]<style type=\"text\/css\">.thegem-button-6a21c15ead9039854 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15ead9039854 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-6a21c15ead9039854 footerbutton   \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='rgba(255,255,255,0.01)';this.style.color='#cd9d2f';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=PetStoreVeterinaryPageCalculator\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Loan amounts may be increased with the review of tax returns and financials. Time in Business \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.<\/p>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Terms &amp; Conditions<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center; font-size: 11px; line-height: 14px;\">ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (\u201cPartner Banks\u201d), (collectively herein referred to as \u201cLender\u201d). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender\u2019s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the 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_empty_space height=&#8221;16px&#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_1651008329785{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2019\/01\/broker_program_background.jpg?id=31350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column]<div class=\"clearboth\"><\/div><style>#thegem-divider-6a21c15ead92f {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-6a21c15ead92f\" 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: 32px; font-size: 22px;\">Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/div>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-6a21c15ead9b41029 .gem-button svg {fill: #ffffff;}.thegem-button-6a21c15ead9b41029 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15ead9b41029 footerbutton    gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='rgba(255,255,255,0.01)';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=VeterinarianPage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><\/div><\/div> <div class=\"clearboth\"><\/div><style>#thegem-divider-6a21c15ead9e0 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-6a21c15ead9e0\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1529357323767{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 5% !important;padding-bottom: 5% !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Latest News from Our Blog<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#c89c1f&#8221; css=&#8221;.vc_custom_1528305924912{margin-bottom: 35px !important;}&#8221;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;]<div class=\"preloader\"><div class=\"preloader-spin\"><\/div><\/div><div id=\"style-76b0d43\" data-style-uid=\"76b0d43\" class=\"blog blog-style-3x clearfix blog-style-masonry item-animation-move-up pagination-disable\" data-next-page=\"2\" data-pages-count=\"380\"> <article id=\"post-53206\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53206 post type-post status-publish format-standard has-post-thumbnail category-small-business-financing tag-affordable-business-loans tag-affordable-small-business-growth tag-business-expansion tag-business-growth tag-business-line-of-credit tag-business-loans tag-equipment-leasing tag-flex-pay-loans tag-line-of-credit tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-the-arf-advantage-regulatory-stability-for-small-businesses tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025C-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"The ARF Advantage: Regulatory Stability for Small Businesses\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\" rel=\"bookmark\"><span class=\"light\">The ARF Advantage: Regulatory Stability for Small Businesses<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb00433154\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F#038;description=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025C-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F&#038;title=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53207%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Today%E2%80%99s+financial+climate+can+best+be...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fthe-arf-advantage-regulatory-stability-for-small-businesses%2F#038;title=The+ARF+Advantage%3A+Regulatory+Stability+for+Small+Businesses\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb20467376\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/the-arf-advantage-regulatory-stability-for-small-businesses\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <article id=\"post-53201\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53201 post type-post status-publish format-standard has-post-thumbnail category-small-business-financing tag-affordable-business-loans tag-affordable-small-business-growth tag-business-expansion tag-business-growth tag-business-line-of-credit tag-business-loans tag-equipment-leasing tag-flex-pay-loans tag-line-of-credit tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025B-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"What the End of the \u201cDe Minimis\u201d Exemption Means for Small Business Owners\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\" rel=\"bookmark\"><span class=\"light\">What the End of the \u201cDe Minimis\u201d Exemption Means for Small Business Owners<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb36c32199\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F#038;description=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025B-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F&#038;title=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53202%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Another+day%2C+another+regulation+update%21+Beginning...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwhat-the-end-of-the-de-minimis-exemption-means-for-small-business-owners%2F#038;title=What+the+End+of+the+%E2%80%9CDe+Minimis%E2%80%9D+Exemption+Means+for+Small+Business+Owners\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb543a4325\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/what-the-end-of-the-de-minimis-exemption-means-for-small-business-owners\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <article id=\"post-53196\" class=\"col-lg-4 col-md-4 col-sm-6 col-xs-6 item-animations-not-inited post-53196 post type-post status-publish format-standard has-post-thumbnail category-referral-partners tag-become-a-loan-broker-partner tag-business-growth tag-business-line-of-credit tag-business-loan-referral-partners tag-business-loan-referral-program tag-business-loans tag-client-engagement tag-earn-commission-on-business-loans tag-equipment-leasing tag-financial-advisory tag-financing-options tag-flex-pay-loans tag-inside-deloittes-2025-holiday-retail-buyer-survey tag-lending-experts tag-line-of-credit tag-loan-broker-commission-program tag-referral-partner-business-loans tag-small-business-expansion tag-small-business-financing tag-small-business-funding tag-small-business-growth tag-small-business-loans tag-small-business-operations tag-small-business-owners tag-strategic-partnerships tag-trusted-advisor tag-working-capital\"> <div class=\"post-image\"><div class=\"post-featured-content\"><a href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\"> <picture> <img src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2025\/09\/ARF-Blog-09022025-thegem-blog-masonry.jpg\" width=\"640\" height=\"292\" class=\"img-responsive\" alt=\"Inside Deloitte\u2019s 2025 Holiday Retail Buyer Survey\" \/> <\/picture> <\/a><\/div><\/div> <div class=\"description\"> <div class=\"post-meta-conteiner\"> <div class=\"post-meta-right\"> <\/div> <\/div> <div class=\"post-title\"> <div class=\"entry-title title-h4\"><a href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\" rel=\"bookmark\"><span class=\"light\">Inside Deloitte\u2019s 2025 Holiday Retail Buyer Survey<\/span><\/a><\/div> <\/div> <div class=\"post-text\"> <div class=\"summary\"> <\/div> <\/div> <div class=\"info clearfix\"> <div class=\"post-footer-sharing\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb6b039362\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-flat gem-button-text-weight-normal gem-button-empty\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"#\" target=\"_self\"><i class=\"gem-print-icon gem-icon-pack-thegem-icons gem-icon-share \"><\/i><\/a><\/div> <div class=\"sharing-popup\"> <div class=\"socials-sharing socials socials-colored-hover\"> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Facebook\"><i class=\"socials-item-icon facebook\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?text=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Twitter\"><i class=\"socials-item-icon twitter\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/pinterest.com\/pin\/create\/button\/?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F#038;description=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey&#038;media=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Fwp-content%2Fuploads%2F2025%2F09%2FARF-Blog-09022025-thegem-blog-timeline-large.jpg\" title=\"Pinterest\"><i class=\"socials-item-icon pinterest\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F\" title=\"Tumblr\"><i class=\"socials-item-icon tumblr\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F&#038;title=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey&amp;summary=%5Bvc_row%5D%5Bvc_column%5D%5Bvc_single_image+image%3D%26%238221%3B53197%26%238243%3B+img_size%3D%26%238221%3Blarge%26%238221%3B+alignment%3D%26%238221%3Bcenter%26%238221%3B%5D%5B%2Fvc_column%5D%5B%2Fvc_row%5D%5Bvc_row%5D%5Bvc_column%5D%5Bvc_column_text%5D+Arguably%2C+the+most+important+shopping+season...\" title=\"LinkedIn\"><i class=\"socials-item-icon linkedin\"><\/i><\/a> <a class=\"socials-item\" target=\"_blank\" href=\"https:\/\/www.reddit.com\/submit?url=https%3A%2F%2Fwww.arffinancial.com%2Fdevelopment%2Finside-deloittes-2025-holiday-retail-buyer-survey%2F#038;title=Inside+Deloitte%E2%80%99s+2025+Holiday+Retail+Buyer+Survey\" title=\"Reddit\"><i class=\"socials-item-icon reddit\"><\/i><\/a> <\/div> <svg class=\"sharing-styled-arrow\"><use xlink:href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/themes\/thegem\/css\/post-arrow.svg#dec-post-arrow\"><\/use><\/svg><\/div><\/div> <div class=\"post-read-more\"><div class=\"gem-button-container gem-button-position-inline thegem-button-6a21c15eb84538294\" ><a class=\"gem-button gem-button-size-tiny gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 3px;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/inside-deloittes-2025-holiday-retail-buyer-survey\/\" target=\"_self\">Read More<\/a><\/div> <\/div> <\/div> <\/div> <\/article> <\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-6a21c15eb87d86075 .gem-button svg {fill: #174888;}.thegem-button-6a21c15eb87d86075 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-6a21c15eb87d86075     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #c89c1f;color: #174888;\" onmouseleave=\"this.style.borderColor='#c89c1f';this.style.color='#174888';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"\/blog\" target=\"_self\">View All Blogs<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #c89c1f;\"><\/div><\/div><\/div><\/div> [\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1649167413456{padding-top: 3% !important;padding-bottom: 5% !important;}&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1566906254456{margin-right:&#8230;<\/p>\n","protected":false},"author":5,"featured_media":36626,"parent":24994,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-36624","page","type-page","status-publish","has-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pet Store\/Veterinary Financing - ARF Financial<\/title>\n<meta name=\"description\" content=\"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pet Store\/Veterinary Financing - ARF Financial\" \/>\n<meta property=\"og:description\" content=\"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/\" \/>\n<meta property=\"og:site_name\" content=\"ARF Financial\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-02T17:03:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"21 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/\",\"url\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/\",\"name\":\"Pet Store\/Veterinary Financing - ARF Financial\",\"isPartOf\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg\",\"datePublished\":\"2021-03-30T17:13:41+00:00\",\"dateModified\":\"2025-07-02T17:03:33+00:00\",\"description\":\"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage\",\"url\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg\",\"contentUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg\",\"width\":1200,\"height\":630,\"caption\":\"Pet Store\/Veterinary Financing\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.arffinancial.com\/development\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans by Industry\",\"item\":\"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pet Store\/Veterinary Financing\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#website\",\"url\":\"https:\/\/www.arffinancial.com\/development\/\",\"name\":\"ARF Financial\",\"description\":\"Businesses Bank on Us\",\"publisher\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.arffinancial.com\/development\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#organization\",\"name\":\"ARF Financial LLC\",\"url\":\"https:\/\/www.arffinancial.com\/development\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png\",\"contentUrl\":\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png\",\"width\":792,\"height\":612,\"caption\":\"ARF Financial LLC\"},\"image\":{\"@id\":\"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pet Store\/Veterinary Financing - ARF Financial","description":"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/","og_locale":"en_US","og_type":"article","og_title":"Pet Store\/Veterinary Financing - ARF Financial","og_description":"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.","og_url":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/","og_site_name":"ARF Financial","article_modified_time":"2025-07-02T17:03:33+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"21 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/","url":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/","name":"Pet Store\/Veterinary Financing - ARF Financial","isPartOf":{"@id":"https:\/\/www.arffinancial.com\/development\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage"},"image":{"@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg","datePublished":"2021-03-30T17:13:41+00:00","dateModified":"2025-07-02T17:03:33+00:00","description":"ARF Financial offers Pet Store\/Veterinary Financing to pet store ownes and veterinarians who need financing to grow their business.","breadcrumb":{"@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#primaryimage","url":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg","contentUrl":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/03\/Pet-Store-Featured-Image.jpg","width":1200,"height":630,"caption":"Pet Store\/Veterinary Financing"},{"@type":"BreadcrumbList","@id":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/pet-store-veterinary\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arffinancial.com\/development\/"},{"@type":"ListItem","position":2,"name":"Loans by Industry","item":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/"},{"@type":"ListItem","position":3,"name":"Pet Store\/Veterinary Financing"}]},{"@type":"WebSite","@id":"https:\/\/www.arffinancial.com\/development\/#website","url":"https:\/\/www.arffinancial.com\/development\/","name":"ARF Financial","description":"Businesses Bank on Us","publisher":{"@id":"https:\/\/www.arffinancial.com\/development\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arffinancial.com\/development\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arffinancial.com\/development\/#organization","name":"ARF Financial LLC","url":"https:\/\/www.arffinancial.com\/development\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/","url":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png","contentUrl":"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/06\/ARFFinancialHorizontal.png","width":792,"height":612,"caption":"ARF Financial LLC"},"image":{"@id":"https:\/\/www.arffinancial.com\/development\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/36624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/comments?post=36624"}],"version-history":[{"count":58,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/36624\/revisions"}],"predecessor-version":[{"id":40781,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/36624\/revisions\/40781"}],"up":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/pages\/24994"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/media\/36626"}],"wp:attachment":[{"href":"https:\/\/www.arffinancial.com\/development\/wp-json\/wp\/v2\/media?parent=36624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}