{"id":41333,"date":"2022-04-08T15:43:30","date_gmt":"2022-04-08T19:43:30","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=41333"},"modified":"2025-08-04T15:24:18","modified_gmt":"2025-08-04T19:24:18","slug":"revolving-line-of-credit","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/loans-by-product\/revolving-line-of-credit\/","title":{"rendered":"Revolving Line of Credit &#8211; BANKROLL"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1648232174693{margin-bottom: 0px !important;padding-top: 3% !important;}&#8221;][vc_column][vc_empty_space height=&#8221;20px&#8221;][vc_single_image image=&#8221;45657&#8243; img_size=&#8221;450&#215;62&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; color: #000000; font-size: 24px; font-weight: 600;\">ARF&#8217;S ULTIMATE REVOLVING LINE OF CREDIT<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528325816442{margin-bottom: 30px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">ARF Financial is incredibly proud of the latest addition to our product line, BANKROLL, The Ultimate Revolving Line of Credit! Bankroll addresses the #1 concern of business owners everywhere who require the flexibility to access capital at a moment&#8217;s notice, while keeping their cash flow stable. We do this by providing highest approvals (up to $1,500,000), a fixed loan term (up to 36 months), and a fixed weekly payment, PLUS the flexibility to pay down or borrow additional funds on an unlimited basis! You decide when you want to borrow, how much you want to borrow, the amount of your payment, and how long to keep the line open. You are in complete control based upon your business&#8217;s unique needs that may change over time. And, Bankroll provides early payoff without penalty anytime during the loan!<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1656767882275{margin-right: 7% !important;margin-bottom: 0px !important;margin-left: 7% !important;}&#8221;][vc_column css=&#8221;.vc_custom_1528139881173{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1645047388951{margin-top: 0px !important;}&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Check Out BANKROLL&#8217;S Industry-Leading Features:<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;5px&#8221;][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1656767964980{margin-right: 7% !important;margin-bottom: 0px !important;margin-left: 7% !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Revolving Line of credit approvals up to $1,500,000<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Max amortizing term up to 36 months with fixed weekly payments<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">A revolving period of up to 1 year (52 weeks)<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Unlimited draws of $5,000 or more during the revolving period*<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Unlimited principal paydowns of $5,000 or more during the revolving period<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Every payment made and partial principal paydown frees up line availability<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Finance charges accrue and are collected weekly<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">No minimum finance charges required<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Pay off or pay down your line of credit without penalty<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 19px; font-weight: 600;\">Closing points only charged on cash out<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1649777149025{margin-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;]<style type=\"text\/css\">.thegem-button-69e15345e4f0d7864 .gem-button svg {fill: #00659e;}.thegem-button-69e15345e4f0d7864 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e4f0d7864     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: 6px;color: #00659e;\" onmouseleave=\"this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY ONLINE<\/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=\"font-size: 13px; line-height: 17px; text-align: center;\">\n<p>*Minimum initial draw of $5,000 or 10% of the line approval, whichever is higher. Unlimited draws and partial principal paydowns are only available during the revolving period. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure the merchant\u2019s creditworthiness has not materially changed since the original loan was initiated. Updated bank transactional data via PLAID or via paper statements will be required prior to draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days of receipt. ARF Financial is licensed by the California Department of Financial Protection and Innovation as a California Finance Lender, License No. 6037958. Loan approval, loan amount and interest rate are based upon applicant\u2019s creditworthiness and ARF\u2019s standard underwriting guidelines.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"font-size: 13px; line-height: 17px; text-align: center;\">\n<p>**This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure the Merchant\u2019s creditworthiness has not materially changed since the original Loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days of receipt. ARF Financial is licensed by the California Department of Financial Protection and Innovation as a California Finance Lender, License No. 6037958. Loan approval, loan amount and interest rate are based upon applicant\u2019s creditworthiness and ARF\u2019s standard underwriting guidelines.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1651362274677{margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-referrals-page-geometric-background-1920&#215;386.png?id=26472) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651360173093{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;}&#8221;][vc_single_image image=&#8221;42120&#8243; img_size=&#8221;114&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Max Approvals<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528385407028{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651760351202{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Bankroll gives you access to your maximum approval of up to $1,000,000, and you only have to take a minimum initial loan amount of $5,000.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651359973568{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,101,158,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;42120&#8243; img_size=&#8221;114&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Max Repayment Terms<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528385407028{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651362019953{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Bankroll also gives you access to the maximum loan amortization term of up to 36 months, resulting in low, fixed weekly payments.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651360186474{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;}&#8221;][vc_single_image image=&#8221;42120&#8243; img_size=&#8221;114&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Unlimited Draws &amp; Paydowns<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528385407028{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651361025301{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">During your revolving period, you have the freedom to take unlimited draws or make unlimited partial principal paydowns of $5,000 or more.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651359994801{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,101,158,0.2) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;}&#8221;][vc_single_image image=&#8221;42120&#8243; img_size=&#8221;114&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Line Availability<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528385407028{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651361754835{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Every regular loan payment you make or partial principal paydown frees up the available funds you can access on your line of credit.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1651360198885{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.08) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;}&#8221;][vc_single_image image=&#8221;42120&#8243; img_size=&#8221;114&#215;120&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Pay Off Anytime<\/h3>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1528385407028{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651361984258{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">With Bankroll, you&#8217;re in control. You can pay off your loan or make partial principal paydowns without penalties, maintenance fees or prepayment fees.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; gap=&#8221;20&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1680350741180{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #00396e !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 width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1651584388956{padding-right: 12px !important;padding-left: 12px !important;}&#8221;][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;45065&#8243; img_size=&#8221;425&#215;65&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;rotateIn&#8221;][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;#bbbbbb&#8221;][vc_empty_space height=&#8221;6px&#8221;][vc_column_text css=&#8221;.vc_custom_1680351057435{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"font-size: 20px; line-height: 24px;\"><span style=\"color: #ffffff;\">Watch this short video to get the details about BANKROLL,<\/span><br \/>\n<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680351315583{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"font-size: 20px; line-height: 28px;\"><span style=\"color: #ffffff;\">the Ultimate Revolving Line of Credit from&#8230;<\/span><br \/>\n<\/span><\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680351232390{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 32px; line-height: 42px; font-weight: bold; color: #cd9d2f;\">Celeste Deal-Maunoir<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1651583161001{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"font-size: 18px; letter-spacing: 1px;\"><span style=\"color: #ffffff;\">CHIEF SALES OFFICER<\/span><br \/>\n<\/span><\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; style=&#8221;dotted&#8221; border_width=&#8221;3&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;#bbbbbb&#8221;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1680351504273{padding-right: 10% !important;padding-left: 10% !important;}&#8221;]<\/p>\n<p style=\"text-align: center; color: #ffffff; font-size: 20px; line-height: 30px;\"><em>&#8220;Your business is always evolving. Wouldn\u2019t it be great to have access to a loan product with the flexibility to evolve with it? Now you do! Our new Revolving Line of Credit &#8211; BANKROLL.&#8221;<\/em><\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column css_animation=&#8221;zoomIn&#8221; width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;8px&#8221;]<div class=\"gem-video gem-wrapbox gem-wrapbox-style-no-style rounded-corners gem-wrapbox-position-below\" style=\"width: 100%;\"><div class=\"gem-wrapbox-inner video-block gem-ratio-style\" style=\"padding-top: 62.5%\"><video width=\"100%\" height=\"100%\" controls=\"controls\" src=\"https:\/\/youtu.be\/J4IjwcMoRAk\"  poster=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/06\/CelesteBankrollVideoBkgBlue.jpg\" preload=\"none\"><\/video><\/div><\/div>[vc_empty_space height=&#8221;16px&#8221;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1654370568496{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 16px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/06\/cash-background-faded-bw.jpg?id=43249) !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;3\/5&#8243;][vc_column_text css=&#8221;.vc_custom_1668905317861{margin-bottom: 6px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 61px; font-weight: 900; color: #124680; line-height: 70px;\">Size Matters!<\/div>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1668905277181{margin-top: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 27px; color: #00659e; line-height: 33px;\"><strong>Larger Loan Amounts, Longer Terms &amp; Big Rewards<\/strong><\/p>\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;16px&#8221;][vc_column_text css=&#8221;.vc_custom_1652194288514{padding-right: 24px !important;padding-left: 24px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Big projects usually mean big upfront investments, something you can&#8217;t get from a merchant cash advance. If you&#8217;re ready to take the plunge and go BIG this year, we have financing that&#8217;s 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 six times larger and repayment terms are more than three times longer 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_empty_space height=&#8221;20px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1645472687910{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243; css=&#8221;.vc_custom_1645472727040{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1645472743156{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_single_image image=&#8221;40773&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1645645596688{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][vc_single_image image=&#8221;40774&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1654370286321{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1645472727040{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1645472743156{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 25px !important;padding-left: 25px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69e15345e58956589 .gem-button svg {fill: #00659e;}.thegem-button-69e15345e58956589 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e58956589     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: 6px;color: #00659e;\" onmouseleave=\"this.style.backgroundColor='transparent';this.style.color='#00659e';\" onmouseenter=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" 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 an application only takes 10 minutes and won&#8217;t affect your credit.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1645645596688{padding-right: 25px !important;padding-left: 25px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706814057488{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_1706814063750{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_1704988454909{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-69e15345e59919726.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e15345e59919726.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e15345e59919726 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e59919726 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15345e59919726     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; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1682958967650{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 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_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;7\/12&#8243;][vc_empty_space height=&#8221;10px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 32px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">Up to $2,500 for New &amp; Former 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 April, new clients can receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 4\/30\u00ad\u00ad\u00ad\u00ad\/2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680351854139{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Gift card offer is available to new clients only (new borrowers, or out of the program 120 days or more). To qualify, merchant must borrow a minimum of $50,000 to receive a $500 Amex Gift Card, plus another $500 gift card for each additional $50,000 borrowed up to a maximum of $2,500. All loans must fund on or before April 30th, 2023. Promotion is valid on loans with terms of 39 weeks or longer, and Interest-Only Flex Pay Loans are excluded. ARF Financial reserves the right to terminate this offer at any time.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;]<style type=\"text\/css\">.thegem-button-69e15345e5a356864.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e15345e5a356864.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e15345e5a356864 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e5a356864 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15345e5a356864     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_1685630143838{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-69e15345e5b247600.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e15345e5b247600.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e15345e5b247600 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e5b247600 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e15345e5b247600     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_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1654371189277{margin-top: 0px !important;margin-bottom: 0px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center !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_row_inner css=&#8221;.vc_custom_1649779244385{margin-bottom: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">What is a Revolving Line of Credit?<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;16px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">A Revolving line of credit is very similar to a credit card. The lending institution grants you a maximum credit limit, which you can access for business purposes at any time during the revolving period up to one year. The revolving period represents how long the LOC will be available until a full re-underwriting is required. A minimum $5,000 loan balance is required at all times to keep the revolving period open. During the revolving period, you may take unlimited draws or make partial principal paydowns of $5,000 or more. Every weekly payment and partial principal paydown frees up your line&#8217;s available funds.<\/p>\n<p style=\"text-align: center;\">Unlike a credit card, there is a fixed weekly payment, based on the original term chosen during the approval (up to 36 months). When payments are made on the revolving credit line, those funds become available to access again. The credit limit may be used repeatedly as long as you do not exceed the maximum. Many small business owners and corporations use revolving lines of credit to finance expansion projects, additional locations, new equipment, partner buyouts or as a safeguard in the event of cash flow problems.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Use of Funds<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;20px&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, small business owners use our revolving line of credit for a variety of business reasons. Revolving lines of credit are ideal for those operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and\/or issues can arise quickly and having a committed revolving line of credit allows them to be ready for the unexpected.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1651012298524{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 21px; line-height: 29px; font-weight: bold; color: #00659e;\">Here are some examples of how restaurant and small business owners use the funds:<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1651363438626{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Equipment financing<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Purchasing inventory in bulk for volume discounts<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Renovations and remodels<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Expansion projects<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Pay for franchise obligations<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Take the leap and open another location<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Obtain a liquor license<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Operational capital for slow, seasonal periods<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Add catering and take-out services<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Upgrade your POS \/ Computer System<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Remodel your kitchen for maximum efficiency<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Buy out a business partner<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Invest in outdoor signage and landscaping<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Start a new advertising \/ marketing campaign<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Pay your business taxes<\/div>\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]<\/p>\n<div style=\"color: #00659e; font-size: 20px;\">Consolidate and pay off more expensive debt<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner]<style type=\"text\/css\">.thegem-button-69e15345e63fb1726 .gem-button svg {fill: #174989;}.thegem-button-69e15345e63fb1726 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e63fb1726     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\" 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_empty_space][\/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_1651359742578{margin-top: 24px !important;margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;padding-top: 2% !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Minimum Qualifications<br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1629898192816{margin-bottom: 30px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;35&#8243; css=&#8221;.vc_custom_1654827170738{margin-right: 2% !important;margin-left: 2% !important;padding-right: 26px !important;padding-left: 26px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1656768086260{margin-bottom: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 30px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;41054&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Industry Type<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651371087656{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">We lend to more than just restaurants. Over the years we&#8217;ve expanded our list of approved industries. <a href=\"https:\/\/www.arffinancial.com\/development\/industries\">Click here<\/a> to see the full list.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15345e64ac4383 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e64ac4383 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e64ac4383    \"  ><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_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1656768076080{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 30px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;38199&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Credit Score<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1751475623882{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">You don&#8217;t need to have perfect credit to qualify for Bankroll. Business owners with an Equifax Credit Score of 575 or higher can qualify.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15345e652b6782 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e652b6782 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e652b6782    \"  ><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_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1656768066939{margin-top: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 30px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;41052&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Time in Business<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337171442{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15345e65a19223 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e65a19223 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e65a19223    \"  ><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_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1656768105808{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 30px !important;padding-left: 30px !important;background-color: rgba(0,101,158,0.1) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,101,158) !important;border-left-color: #cccccc !important;border-left-style: solid !important;border-right-color: #cccccc !important;border-right-style: solid !important;border-top-color: #cccccc !important;border-top-style: solid !important;border-bottom-color: #cccccc !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;38840&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Annual Sales<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1529002825374{margin-bottom: 30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1651337181679{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e15345e66279671 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e66279671 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e66279671    \"  ><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_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1630095816612{margin-right: 2% !important;margin-left: 2% !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">How to Apply for our BANKROLL Revolving Line of Credit<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 revolving line of credit 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=RevolvingLineOfCreditPage\" 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-69e15345e66f56373 .gem-button svg {fill: #174989;}.thegem-button-69e15345e66f56373 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e66f56373     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\" 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_inner][vc_column_inner width=&#8221;1\/5&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; parallax=&#8221;content-moving&#8221; css=&#8221;.vc_custom_1653767950067{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 1% !important;padding-bottom: 2% !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2018\/02\/arf-insight-page-design-image-geo-background-1920&#215;870.png?id=26451) !important;background-position: center;background-repeat: no-repeat;background-size: cover !important;}&#8221;][vc_column][vc_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<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_column_text]<\/p>\n<p style=\"text-align: center;\">Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business\u2019s annual sales, time in business, your credit score, whether you own a home, and if you\u2019ve declared bankruptcy, and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner gap=&#8221;30&#8243;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1653768400593{padding-right: 30px !important;padding-left: 30px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Calculate Loan Amount<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<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_column_text]\n\t\t<div class=\"calculator\">\n\n\t\t\t<div class=\"rangeslider-wrap range-slider-revenue\">\n\t\t\t<input type=\"range\" min=\"90000\" max=\"5000000\" step=\"10000\">\n\t\t\t<h6>Annual Sales<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap time-in-business\">\n\t\t\t<input type=\"range\" min=\"0\" max=\"60\" step=\"1\">\n\t\t\t<h6>Time in Business<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rangeslider-wrap fico-score\">\n\t\t\t<input type=\"range\" min=\"551\" max=\"850\" step=\"1\">\n\t\t\t<h6>FICO Score<\/h6>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects\">\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"homeowner\" name=\"homeowner\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\" selected>Homeowner?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-late\">Yes, mortgage 1+ months late<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-homeowner\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"calculator-selects-item-container\">\n\t\t\t\t<div class=\"select\">\n\t\t\t\t<select id=\"bankruptcy\" name=\"bankruptcy\" class=\"form-control\">\n\t\t\t\t\t<option value=\"\">Bankruptcy?<\/option>\n\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t<option value=\"yes-old\">Yes, 1+ years ago<\/option>\n\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t<\/select>\n\t\t\t\t<div class=\"select__arrow\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"val-error val-error-bankruptcy\">Please select an option<\/div>\n\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\t<button class=\"calculator-button\">Calculate My Loan Potential<\/button>\n\n\t\t<\/div>\n\t[\/vc_column_text][vc_empty_space][vc_column_text]\n\t\t<div class=\"calculator-results\">\n\t\t\t<table>\n\t\t\t<tr>\n\t\t\t\t<th>Term<\/th>\n\t\t\t\t<th>Loan Amount<\/th>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>12 month<\/td>\n\t\t\t\t<td class=\"loanAmount_12Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>18 month<\/td>\n\t\t\t\t<td class=\"loanAmount_18Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>24 month<\/td>\n\t\t\t\t<td class=\"loanAmount_24Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>36 month<\/td>\n\t\t\t\t<td class=\"loanAmount_36Month\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<\/table>\n\t\t<\/div>\n\t[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<div style=\"line-height: 20px;\" align=\"center\"><span style=\"font-size: 15px; line-height: 18px; color: #000000; text-align: center;\">Loan amounts may be increased with the review of tax returns and financials. Time in business &#8211; must be operating under the same ownership and concept. Homeownership &#8211; home must be in your name. Bankruptcy &#8211; includes personal and business bankruptcy. 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 \u00a0if you wish to be contacted by one of our loan consultants to receive a written quote<\/span><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1635186818490{padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.1) !important;*background-color: rgb(0,0,0) !important;border-radius: 10px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Request a Custom Proposal<\/h2>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 18px; line-height: 24px; color: #00659e;\">Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMjhiYTE2N2RhLTRmNDctNDEwOS1hODBkLWJmZjlkZTVlMTY5YSUyMiU1RA==[\/vc_raw_html][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #00659e;\">Terms and Conditions<\/span><\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1629986481582{margin-right: 20% !important;margin-left: 20% !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 11px; line-height: 14px;\">ARF Financial LLC is an exclusive third party originator of commercial loans for state charted community banks throughout the United States (\u201cPartner Banks\u201d), (collectively herein referred to as \u201cLender\u201d). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender\u2019s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and\/or any information available from the public domain relating to the business\u2019 or the guarantor\u2019s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant\u2019s business entity with the State where they are located; or any other information that may reflect on the business or guarantor\u2019s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1656768385826{margin-top: 30px !important;padding-top: 10px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">What Our Customers Are Saying<\/h2>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;10&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_single_image image=&#8221;42511&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1656768300279{margin-bottom: 0px !important;}&#8221;][vc_empty_space][vc_raw_html]JTNDJTIxLS0lMjBUcnVzdEJveCUyMHdpZGdldCUyMC0lMjBDYXJvdXNlbCUyMC0tJTNFJTBBJTNDZGl2JTIwY2xhc3MlM0QlMjJ0cnVzdHBpbG90LXdpZGdldCUyMiUyMGRhdGEtbG9jYWxlJTNEJTIyZW4tVVMlMjIlMjBkYXRhLXRlbXBsYXRlLWlkJTNEJTIyNTNhYTg5MTJkZWM3ZTEwZDM4ZjU5ZjM2JTIyJTIwZGF0YS1idXNpbmVzc3VuaXQtaWQlM0QlMjI1Yzg4MGVlYTNjY2FhODAwMDE3OGJiOTIlMjIlMjBkYXRhLXN0eWxlLWhlaWdodCUzRCUyMjE0MHB4JTIyJTIwZGF0YS1zdHlsZS13aWR0aCUzRCUyMjEwMCUyNSUyMiUyMGRhdGEtdGhlbWUlM0QlMjJsaWdodCUyMiUyMGRhdGEtc3RhcnMlM0QlMjIxJTJDMiUyQzMlMkM0JTJDNSUyMiUyMGRhdGEtcmV2aWV3LWxhbmd1YWdlcyUzRCUyMmVuJTIyJTNFJTBBJTIwJTIwJTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy50cnVzdHBpbG90LmNvbSUyRnJldmlldyUyRnd3dy5hcmZmaW5hbmNpYWwuY29tJTIyJTIwdGFyZ2V0JTNEJTIyX2JsYW5rJTIyJTIwcmVsJTNEJTIybm9vcGVuZXIlMjIlM0VUcnVzdHBpbG90JTNDJTJGYSUzRSUwQSUzQyUyRmRpdiUzRSUwQSUzQyUyMS0tJTIwRW5kJTIwVHJ1c3RCb3glMjB3aWRnZXQlMjAtLSUzRQ==[\/vc_raw_html][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;zoomIn&#8221; css=&#8221;.vc_custom_1651083981285{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-69e15345e6758 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e15345e6758\" class=\"gem-divider  \" style=\"\" ><\/div>[vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1530051542901{padding-left: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1645730187708{padding-top: 50px !important;padding-right: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e; font-size: 34px;\"><span style=\"color: #ffffff;\">Quick &amp; Easy Online Application<\/span><br \/>\n<\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_single_image image=&#8221;37590&#8243; img_size=&#8221;300&#215;300&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;zoomIn&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<div style=\"text-align: center;\"><span style=\"color: #ffffff; line-height: 31px; font-size: 22px;\">Use our online application to get approved 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-69e15345e67c95975 .gem-button svg {fill: #ffffff;}.thegem-button-69e15345e67c95975 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e15345e67c95975 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\" target=\"_blank\">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-69e15345e67f1 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e15345e67f1\" 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_1635269125919{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 2% !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]<div class=\"preloader\"><div class=\"preloader-spin\"><\/div><\/div><div id=\"style-14db43c\" data-style-uid=\"14db43c\" 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\"> <span class=\"post-meta-author\">By Robert Whited<\/span> <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\">02 Sep: <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-69e15345e8fcb9925\" ><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 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