{"id":36634,"date":"2021-03-31T12:23:23","date_gmt":"2021-03-31T16:23:23","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=36634"},"modified":"2025-07-02T13:02:50","modified_gmt":"2025-07-02T17:02:50","slug":"home-healthcare","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-industry\/home-healthcare\/","title":{"rendered":"Home Healthcare Financing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section content_placement=&#8221;middle&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1648572195490{padding-top: 4% !important;padding-bottom: 5% !important;}&#8221;][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1655827880837{margin-bottom: 0px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Financing for Home Healthcare Businesses<\/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_1655822623516{margin-bottom: 30px !important;}&#8221;][vc_column_text]Since 2001, ARF Financial has helped thousands of home healthcare business owners obtain approvals on more than a billion dollars. To accomplish this, we developed innovative loan products and repayment options specifically designed for the needs of those in the home healthcare industry. Our loans ensure they have quick access to the funds necessary to compete with the larger, well-known assisted-living facilities without sacrificing profits.<\/p>\n<p>Despite consistent business from an increasingly aging population, capital remains the key to overcoming short-term cash flow shortages, paying for unexpected expenses, or seizing long-term opportunities like adding new ancillary services. Our home healthcare loans and lines of credit give you access to the right financing, and we can do it fast, funding your business loan in less than a week! When it comes to home healthcare financing, our team of seasoned loan consultants specialize in delivering the trusted guidance you need to keep your business profitable and on track to achieve your long-term goals.<\/p>\n<p>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. 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 our home healthcare financing to work for your business.:[\/vc_column_text][vc_empty_space height=&#8221;14px&#8221;][vc_row_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-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\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827519247{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Move to a nicer, more spacious office facility<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827548581{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Renovate or remodel your current office facility<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827557359{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Invest in new equipment and technology<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-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\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827567029{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Expand your service offerings to attract more business<br \/>\n<\/span><\/p>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827576196{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Hire and train additional administrative or healthcare 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-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\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1655827585521{padding-top: 7px !important;}&#8221;]<span style=\"color: #00659e;\">Invest in a new advertising and marketing campaign<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1653910629248{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/05\/hundreds-bkg-light.jpg?id=42837) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>What Makes ARF Financial Different?<\/strong><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1653743354523{margin-bottom: 16px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p>For more than two decades, ARF Financial has been helping businesses obtain the capital they deserve! The financing we provide are 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<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 22px; font-weight: 600; color: #00659e;\">Here are just a few of our loan program advantages:<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_row_inner css=&#8221;.vc_custom_1653743201025{margin-bottom: 0px !important;}&#8221;][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872946040{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Access loan amounts from $5,000 to $1,000,000<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1699310468786{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Minimal Paperwork<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872617513{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Fixed repayment terms up to 36 months<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872847975{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Same-day approvals and fundings in under a week<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872887028{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Streamlined process with minimal documentation<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner el_class=&#8221;industry-bullets&#8221; width=&#8221;1\/2&#8243;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653872805648{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Ability to defer up to 50% of loan principal for lowest payment<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873110640{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">All loans come with an optional line of credit<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873145156{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">24-hour access to 5 loan drafts over a 6-month period<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873177694{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">The interest paid is tax deductible<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-small  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xf046;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\">[vc_column_text css=&#8221;.vc_custom_1653873202463{padding-top: 5px !important;}&#8221;]<span style=\"color: #00659e;\">Early payoff options are available<br \/>\n<\/span>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e5b00495c10501 .gem-button svg {fill: #174888;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00495c10501     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=WholesalePage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_empty_space height=&#8221;12px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1650890536528{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 5px !important;background: #00659e url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1650890525898{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 22px; line-height: 29px;\">When choosing the right business lender, it\u2019s important to compare loan size and repayment terms because&#8230;<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff; font-size: 60px; line-height: 80px; font-weight: bold;\">Size Matters!<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1650899429292{margin-bottom: 0px !important;}&#8221;][vc_column][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: left;\">Choosing ARF Financial means you can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over <strong>six times larger<\/strong>\u00a0and repayment terms are more than\u00a0<strong>three times longer<\/strong> than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won\u2019t interfere with your cash flow! Check out the comparison below.:<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1650899403150{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-69e5b00495d442815 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b00495d442815 .gem-button:hover svg {fill: #cd9d2f;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00495d442815     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=HomeHealthcarePageSizeMattersSection\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 15px;\">*Completing an application only takes 10 minutes and won&#8217;t affect your credit.<\/div>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1518564914190{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_1608663229969{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;\">It Pays To Be Prepared<\/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]Home healthcare operators know their big box competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and\/or issues arise. ARF Financial will help you be ready for the unexpected\u00a0 with our loans or line of credit from $5K to $500K to use for any business situation. With a line of credit, you only pay for what you use and it is tax deductible so you can comfortably borrow what you need exactly when you need it.[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-69e5b00495de75504 .gem-button svg {fill: #174888;}.thegem-button-69e5b00495de75504 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e5b00495de75504    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-3\" 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=\"\/loans-by-product\/lines-of-credit\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1617126377856{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_1290675760-e1617126338180.jpg?id=36636) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b00495e45 {margin-top: 250px !important;}#thegem-divider-69e5b00495e45 {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e5b00495e45\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1528387897701{margin: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1617126743718{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_151335680-e1617126666395.jpg?id=36637) !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-69e5b00495eac {margin-top: 250px !important;}#thegem-divider-69e5b00495eac {margin-bottom: 250px !important;}<\/style><div id=\"thegem-divider-69e5b00495eac\" class=\"gem-divider  \" style=\"\" ><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1650891054890{padding-top: 8% !important;padding-right: 10% !important;padding-bottom: 8% !important;padding-left: 10% !important;background-color: #00659e !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #ffffff;\">Ancillary Services<\/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;\">Home healthcare operators know their customers need a range of services, some of which are more expensive than others. For example, hiring registered nurses who can offer more specialized care means matching salaries from some of the biggest names in the healthcare industry. These include well funded hospitals, universities and research institutions. Home healthcare operators know how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed service expansions. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates and transparent terms. With ARF Financial, you\u2019ll be able to capitalize on growth opportunities now and pay back your loan when you\u2019re ready.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;]<style type=\"text\/css\">.thegem-button-69e5b00495f505142 .gem-button svg {fill: #cd9d2f;}.thegem-button-69e5b00495f505142 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e5b00495f505142    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-3\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #cd9d2f;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#cd9d2f';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"\/loans-by-product\/flex-pay-loans\" target=\"_self\">Learn More<\/a><\/div> [\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1647216291931{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/03\/getting-qualified1.jpg?id=41010) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css=&#8221;.vc_custom_1528139881173{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Minimum Qualifications<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;30px&#8221;][vc_row_inner css=&#8221;.vc_custom_1630095816612{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;]<div class=\"lazy-loading\" data-ll-item-delay=\"0\"><div class=\"gem-textbox  lazy-loading-item centered-box\"  data-ll-effect=\"move-up\" ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #00659e;border-top-left-radius: 7px;border-top-right-radius: 7px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\"><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-large centered-box\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-large  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf529;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf529;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\"><\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Industry Type<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial works with a wide variety of industry types. <a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here<\/a> to see the full list of qualifying businesses.<\/p>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"gem-textbox-bottom gem-textbox-bottom-shield\"><svg viewBox=\"0 0 1000 50\" preserveAspectRatio=\"none\" width=\"100%\" height=\"50\" style=\"fill: #00659e;\"><path d=\"M 0,-0.5 500,50 1000,-0.5\" \/><\/svg><\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1647216628070{padding-right: 10px !important;padding-left: 10px !important;}&#8221;]<div class=\"lazy-loading\" data-ll-item-delay=\"0\"><div class=\"gem-textbox  lazy-loading-item centered-box\"  data-ll-effect=\"move-up\" ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #00659e;border-top-left-radius: 7px;border-top-right-radius: 7px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\"><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-large centered-box\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-large  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1ce;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1ce;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\"><\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Time in Business<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Your business must be open and operating under the same ownership structure for at least 1 month (30 days).<\/p>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"gem-textbox-bottom gem-textbox-bottom-shield\"><svg viewBox=\"0 0 1000 50\" preserveAspectRatio=\"none\" width=\"100%\" height=\"50\" style=\"fill: #00659e;\"><path d=\"M 0,-0.5 500,50 1000,-0.5\" \/><\/svg><\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;]<div class=\"lazy-loading\" data-ll-item-delay=\"0\"><div class=\"gem-textbox  lazy-loading-item centered-box\"  data-ll-effect=\"move-up\" ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #00659e;border-top-left-radius: 7px;border-top-right-radius: 7px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\"><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-large centered-box\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-large  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1e8;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1e8;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\"><\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Sales Volume<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Your business&#8217;s sales volume is a factor in calculating loan amount. Our minimum annual sales requirement is $200,000.<\/p>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"gem-textbox-bottom gem-textbox-bottom-shield\"><svg viewBox=\"0 0 1000 50\" preserveAspectRatio=\"none\" width=\"100%\" height=\"50\" style=\"fill: #00659e;\"><path d=\"M 0,-0.5 500,50 1000,-0.5\" \/><\/svg><\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;]<div class=\"lazy-loading\" data-ll-item-delay=\"0\"><div class=\"gem-textbox  lazy-loading-item centered-box\"  data-ll-effect=\"move-up\" ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #00659e;border-top-left-radius: 7px;border-top-right-radius: 7px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-position: center top;\"><div class=\"gem-icon-with-text gem-icon-with-text-icon-size-large centered-box\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-material gem-icon-size-large  gem-icon-shape-circle gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1ca;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #00659e;\"><span class=\"back-angle\">&#xf1ca;<\/span><\/span><\/div><\/div><\/div><div class=\"gem-icon-with-text-content\" ><div class=\"gem-icon-with-text-text\"><\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #00659e;\">Credit Score<br \/>\n<\/span><\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Even with less than perfect credit, we can get you approved for a working capital loan.\u00a0 A minimum credit score of only 575 is required.<\/p>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"gem-textbox-bottom gem-textbox-bottom-shield\"><svg viewBox=\"0 0 1000 50\" preserveAspectRatio=\"none\" width=\"100%\" height=\"50\" style=\"fill: #00659e;\"><path d=\"M 0,-0.5 500,50 1000,-0.5\" \/><\/svg><\/div><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;30px&#8221;][vc_row_inner css=&#8221;.vc_custom_1630095816612{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">How to Apply for a Working Capital Loan<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;30px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">If you are a business owner looking for a working capital loan with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. <a href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=WorkingCapitalPage\" class=\"broken_link\">Click here to get started.<\/a> We also employ\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">seasoned loan consultants<\/a> who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e5b004964766895 .gem-button svg {fill: #174989;}.thegem-button-69e5b004964766895 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b004964766895     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #174989;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.color='#174989';\" onmouseenter=\"this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=WorkingCapitalPage\" target=\"_self\">TAKE ME TO THE APPLICATION<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706815432107{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_1706815440920{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_1704989043590{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-69e5b0049653b3120.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e5b0049653b3120.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e5b0049653b3120 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b0049653b3120 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b0049653b3120     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_1678088327902{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-69e5b004966049486.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e5b004966049486.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e5b004966049486 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b004966049486 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b004966049486     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_1675457196667{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-69e5b004966ac5497.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e5b004966ac5497.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e5b004966ac5497 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b004966ac5497 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b004966ac5497     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?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; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1683321835094{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-financial-website-thankyou-page-image-geo-background-1920&#215;563.jpg?id=26606) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1645043051805{padding-left: 15% !important;}&#8221;][vc_empty_space height=&#8221;15px&#8221;][vc_single_image image=&#8221;47024&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;2\/5&#8243; css=&#8221;.vc_custom_1645041856427{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;\">New Client Pot of Gold!<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: #00659e;\">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;\">*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-69e5b0049676f4314 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b0049676f4314 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b0049676f4314    \"  ><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='#cd9d2f';this.style.color='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#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_1685633327831{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-69e5b004968063243.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e5b004968063243.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e5b004968063243 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b004968063243 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e5b004968063243     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/www.arffinancial.com\/development\/working-with-us\/current-offers\/\" target=\"_self\">LEARN MORE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1647287514378{margin-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;22px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Types of Home Healthcare Financing<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_empty_space height=&#8221;22px&#8221;][vc_column_text]ARF Financial gives home healthcare business owners the opportunity to choose from many different financing options that best fit their needs based on their unique circumstances. With many different types of business loans and lines of credit, our local loan consultants will help you determine which will be best for your specific situation while saving you the most money.<\/p>\n<h3>Home Healthcare Working Capital<\/h3>\n<p>Home healthcare providers need access to consistent working capital. This has held true for every owner we have ever spoken to. Working capital loans help finance the every day business operations with no hidden fees and without the payment fluctuations of a merchant cash advance. Our working capital loans fave fixed terms so the payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long run.<\/p>\n<h3>Home Healthcare Line of Credit<\/h3>\n<p>A line of credit is an approved loan amount extended to home healthcare owners allowing them to draw upon when the need arises. This type of financing gives owners the ability to pull funds from their line as needed and only pay interest on the money they take. Home healthcare business owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Smart owners know that business conditions can change quickly and having fast access to committed working capital can cover unexpected expenses and fund growth opportunities as they emerge. Thousands of home health business owners have learned that with a line of credit from ARF Financial, they are prepared for anything.<\/p>\n<h3>Flex Pay Loans for Home Healthcare<\/h3>\n<p>Flex Pay Loans are perfect for home healthcare providers because they give you the unique ability to borrow now and pay later. Simply put, you can borrow what you need now to invest in new opportunities, and defer up 50% of the principal for the lowest payments now. You&#8217;ll enjoy the low payments until your project is completed! After the Flex Pay period is over, you have options for paying back the principal when the time is right. Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.<\/p>\n<h3>Funding your Home Healthcare Business with a Bridge Loan<\/h3>\n<p>Opportunities are plentiful right the home healthcare market. If you are experiencing strong growth but your bank is struggling to keep up with your cash needs, we have a solution. ARF has a loan product that provides \u2018bridge\u2019 or \u2018gap\u2019 financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources like an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing bridge loan to support projects or investments that are expected to generate high returns. Home healthcare businesses particularly in their early phases, frequently encounter opportunities for extreme growth, but often find themselves on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities.<\/p>\n<h3>SBA Loans for Home Healthcare<\/h3>\n<p>These loans are sometimes difficult to get approved. And if they are approved, they take three to four months before a final approval is issued and the loan is funded. ARF Financial can get you approved for financing in 24-48 hours with loan proceeds in your business account in as little as 3 days. If you are in the process of applying for an SBA loan and urgently need to take advantage of a business opportunity, our Bride Loan is the best option to help you capitalize on opportunities while waiting on your SBA loan.<\/p>\n<h3>Merchant Cash Advance<\/h3>\n<p>ARF Financial is <strong>not<\/strong> a cash advance company. The financing we provide is a <strong>true bank loan<\/strong> with competitive rates, fixed terms up to 36 months and without the long wait. While a merchant cash advance may provide quick access to cash, it has no fixed term and repayment is often linked to your credit card sales which means payments are always fluctuating. A merchant cash advance can be extremely expensive if your sales are increasing. The higher your sales, the higher your payment and the faster the advance is paid back. Unlike a cash advance, a loan from ARF Financial has fixed terms and predictable payments that allow you to keep the additional profit generated from your hard work!<\/p>\n<p>If you are a home healthcare business owner looking for the right financing, we can help you get funds fast and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. You&#8217;ll get the financing you need, with manageable payments that won\u2019t increase as revenue grows. Contact one of our <a href=\"https:\/\/www.arffinancial.com\/development\/company\/our-team\/loan-consulting-team\/\">local loan consultants<\/a> or apply below to get started now.[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e5b004968a5282 .gem-button svg {fill: #00659e;}.thegem-button-69e5b004968a5282 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b004968a5282     gem-button-with-separator\"  ><div class=\"gem-button-separator gem-button-separator-type-soft-double\"><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><div class=\"gem-button-separator-button\"><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=HomeHealthcarePage\" target=\"_self\">APPLY NOW<\/a><\/div><div class=\"gem-button-separator-holder\"><div class=\"gem-button-separator-line\" style=\"border-color: #cd9d2f;\"><\/div><\/div><\/div><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1650985482115{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-financial-website-thankyou-page-image-geo-background-1920&#215;563.jpg?id=26606) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Use our Home Healthcare Loan Calculator to Calculate Loan Amount:<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Use the sliders below to indicate annual sales, time in business and credit score.<\/p>\n<p>[\/vc_column_text][vc_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-69e5b004969a59961 .gem-button svg {fill: #00659e;}.thegem-button-69e5b004969a59961 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e5b004969a59961    \"  ><a class=\"gem-button gem-button-size-medium gem-button-style-outline gem-button-text-weight-normal gem-button-border-2\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 0px;border-color: #cd9d2f;color: #00659e;\" onmouseleave=\"this.style.borderColor='#cd9d2f';this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?source=HomeHealthcarePageCalculator\" 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_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_1650899275245{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column]<div class=\"clearboth\"><\/div><style>#thegem-divider-69e5b004969eb {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e5b004969eb\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1530051542901{padding-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1645730187708{padding-top: 50px !important;padding-right: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e; font-size: 34px;\"><span style=\"color: #ffffff;\">Quick &amp; Easy Online Application<\/span><br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;300&#215;300&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; line-height: 30px; font-size: 22px;\">Use our online application to get approved for funds in 24 to 48 hours! 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-69e5b00496a781395 .gem-button svg {fill: #ffffff;}.thegem-button-69e5b00496a781395 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00496a781395 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=TestimonialsPage\" 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-69e5b00496ab2 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e5b00496ab2\" 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 width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;36320&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h2 class=\"blog-article-h1\">Hiring Practices for Home Healthcare Agencies<\/h2>\n<p>Qualified caregivers can be tough to find, but with a few best practices in mind, you can make the search a little less daunting. Let\u2019s dive in with some hiring practices for home healthcare agencies.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00496b2e3882    \"  ><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;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/hiring-practices-for-home-healthcare-agencies\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;36302&#8243; img_size=&#8221;full&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h2>Promoting your Home Healthcare Business<\/h2>\n<p>With just a few simple adjustments, you can set your business up for success that really pays off! Today we\u2019ll dive into some marketing strategies to implement in promoting your home healthcare business.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00496baf6543    \"  ><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;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/promoting-your-home-healthcare-business\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;36329&#8243; img_size=&#8221;full&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<h2 class=\"blog-article-h1\">3 Tips To Hire The Best Pharmacy Staff<\/h2>\n<p>The employees behind your pharmacy counter have a huge impact on whether or not your customers will keep coming back. Here, we\u2019ll talk through hiring strategies and 3 tips to hire the best pharmacy staff and keep the best possible talent.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00496c2b6394    \"  ><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;\" onmouseleave=\"\" onmouseenter=\"\" href=\"https:\/\/www.arffinancial.com\/development\/3-tips-to-hire-the-best-pharmacy-staff\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e5b00496cbf6168 .gem-button svg {fill: #174888;}.thegem-button-69e5b00496cbf6168 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e5b00496cbf6168     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_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1648572195490{padding-top: 4% !important;padding-bottom: 5% !important;}&#8221;][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1655827880837{margin-bottom:&#8230;<\/p>\n","protected":false},"author":5,"featured_media":36635,"parent":24994,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-36634","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>Home Healthcare Financing - ARF Financial<\/title>\n<meta name=\"description\" content=\"ARF Financial helps home healthcare operators get the proper financing for their business. 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