{"id":45093,"date":"2022-09-23T18:24:40","date_gmt":"2022-09-23T22:24:40","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=45093"},"modified":"2024-04-26T10:44:17","modified_gmt":"2024-04-26T14:44:17","slug":"manufacturing","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/manufacturing\/","title":{"rendered":"Manufacturing Financing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1669290981747{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column]<div id=\"fullwidth-block-69e167b80103f\" class=\"fullwidth-block clearfix\"  style=\"background-color: #005788;\"><script type=\"text\/javascript\">if (typeof(gem_fix_fullwidth_position) == \"function\") { gem_fix_fullwidth_position(document.getElementById(\"fullwidth-block-69e167b80103f\")); }<\/script><div class=\"fullwidth-block-inner\"><div class=\"container\">[vc_row_inner css=&#8221;.vc_custom_1669231574975{padding-bottom: -60px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;26425&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1669230768242{padding-top: 16px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1669234211874{margin-top: 23px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69e167b8011c64810 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8011c64810 .gem-button:hover svg {fill: #f9d922;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b8011c64810    \"  ><a title=\"Manufacturing Loan Products\" 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: #005788;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#005788';this.style.color='#ffffff';\" onmouseenter=\"this.style.color='#f9d922';\" href=\"https:\/\/www.arffinancial.com\/development\/manufacturing-loan-products\/\" target=\"_self\">LOAN PRODUCTS<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1669234234569{margin-top: 23px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69e167b8012b71066 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8012b71066 .gem-button:hover svg {fill: #f2d621;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b8012b71066    \"  ><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: #005788;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#005788';this.style.color='#ffffff';\" onmouseenter=\"this.style.color='#f2d621';\" href=\"\" target=\"_self\">OUR ADVANTAGES<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1669234244933{margin-top: 23px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69e167b8013548719 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8013548719 .gem-button:hover svg {fill: #f2d621;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b8013548719    \"  ><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: #005788;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#005788';this.style.color='#ffffff';\" onmouseenter=\"this.style.color='#f2d621';\" href=\"\" target=\"_self\">CONTACT US<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1669234256383{margin-top: 23px !important;}&#8221;]<style type=\"text\/css\">.thegem-button-69e167b8013ef72 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8013ef72 .gem-button:hover svg {fill: #f2d621;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b8013ef72    \"  ><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: #005788;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#005788';this.style.color='#ffffff';\" onmouseenter=\"this.style.color='#f2d621';\" href=\"\" target=\"_self\">OUR BLOG<\/a><\/div> [\/vc_column_inner][\/vc_row_inner]<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1668565922970{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0% !important;padding-bottom: 4px !important;}&#8221;][vc_row css=&#8221;.vc_custom_1676732606801{margin-top: 45px !important;margin-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<h1 style=\"text-align: center; font-size: 35px; line-height: 42px; font-weight: 900; color: #00659e;\">Financing America&#8217;s Manufacturers<\/h1>\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;10px&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; color: #000000; line-height: 32px; font-weight: 600; font-size: 23px; letter-spacing: 1px;\">GET READY FOR A FINANCIAL GAME-CHANGER!<\/div>\n<p>[\/vc_column_text][vc_row_inner disable_custom_paddings_mobile=&#8221;true&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1672321097044{padding-right: 25px !important;padding-left: 25px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">For more than two decades, ARF Financial has helped hundreds of manufacturing businesses across America secure over $1 billion in funding to innovate, grow and thrive. Our superior loan products are perfect for expansion projects, investing in new equipment and technology, stockpiling raw materials, hiring additional staff and consolidating more expensive debt. Our goal is to provide fast access to loan products that are unmatched in the industry, and employ knowledgeable loan consultants focused solely on helping manufacturers succeed.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676733745985{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #f2f2f2 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;30&#8243; css=&#8221;.vc_custom_1671161480598{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1671564920640{border-radius: 15px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1672326415091{margin-top: 16px !important;margin-bottom: 4px !important;}&#8221;]<\/p>\n<h1 style=\"text-align: center; font-size: 35px; line-height: 39px; font-weight: 900; color: #00659e;\">Superior Loan Products<\/h1>\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_1668633089094{margin-top: 25px !important;margin-bottom: 30px !important;}&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; color: #000000; line-height: 31px; font-weight: 600; font-size: 23px; letter-spacing: 1px;\">REVOLVING LINES OF CREDIT WITH INTEREST-ONLY OPTION<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;8px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;20&#8243; css=&#8221;.vc_custom_1676735441171{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1676735593483{margin-right: 10px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 45px !important;padding-right: 20px !important;padding-bottom: 25px !important;padding-left: 48px !important;background-color: rgba(0,0,0,0.06) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.12) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.12) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.12) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.12) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;46093&#8243; img_size=&#8221;430&#215;50&#8243; css=&#8221;.vc_custom_1676734122681{margin-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;14px&#8221;][vc_column_text css=&#8221;.vc_custom_1676734165511{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: left; font-size: 24px; font-weight: 600; color: #000000;\">Interest-Only Revolving Line of Credit<\/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;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1676735545015{margin-bottom: 30px !important;}&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1714142573103{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">\u00a0Approvals from $25,000 up to $1 million in 24 to 48 hours<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1714142620917{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">Minimum initial draw of 25% of loan approval<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676734353787{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">Pay only the interest on the outstanding balance for up to a year<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676734436174{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">Terms up to 3 years with low, 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1714142453642{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">Unlimited draws of $10K 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1714142461770{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; font-weight: normal; color: #000000;\">Unlimited principal paydowns of $10K+ 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676734534512{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; color: #000000;\">Revolving period of up to 11 months (48 weeks)<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;20px&#8221;]<style type=\"text\/css\">.thegem-button-69e167b801af75561 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b801af75561 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b801af75561    \"  ><a title=\"Interest-Only Bankroll Revolving Line of Credit\" 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='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/interest-only-bankroll-revolving\/\" target=\"_self\">LEARN MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1676735601946{margin-left: 10px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 45px !important;padding-right: 20px !important;padding-bottom: 25px !important;padding-left: 48px !important;background-color: rgba(0,0,0,0.06) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;border-left-color: rgba(0,0,0,0.08) !important;border-left-style: solid !important;border-right-color: rgba(0,0,0,0.08) !important;border-right-style: solid !important;border-top-color: rgba(0,0,0,0.08) !important;border-top-style: solid !important;border-bottom-color: rgba(0,0,0,0.08) !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;46095&#8243; img_size=&#8221;344&#215;50&#8243; css=&#8221;.vc_custom_1676734872226{margin-bottom: 0px !important;}&#8221;][vc_empty_space height=&#8221;14px&#8221;][vc_column_text css=&#8221;.vc_custom_1676734850402{margin-top: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: left; font-size: 24px; font-weight: 600; color: #000000;\">The Ultimate Revolving Line of Credit<\/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;30&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1676735559417{margin-bottom: 30px !important;}&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1714142433064{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; color: #000000;\">Approvals from $5,000 up to $1 million in 24 to 48 hours<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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=\"font-size: 21px; line-height: 22px; color: #000000;\">Minimum initial draw of 10% of loan approval<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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=\"font-size: 21px; line-height: 22px; color: #000000;\">Terms up to 3 years with low, 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676735155693{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; color: #000000;\">Unlimited draws of $5K 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676735390905{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; color: #000000;\">Unlimited principal paydowns of $5K + 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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676735235298{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 21px; line-height: 22px; color: #000000;\">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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 8px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676735264195{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; color: #000000;\">Pay off or pay down with no maintenance fees or penalties<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;20px&#8221;]<style type=\"text\/css\">.thegem-button-69e167b8021561694 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8021561694 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-left thegem-button-69e167b8021561694    \"  ><a title=\"Bankroll Revolving Line of Credit\" 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='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/www.arffinancial.com\/development\/bankroll-revolving-line-of-credit\/\" target=\"_self\">LEARN MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;35px&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1668116596259{margin-top: 0px !important;}&#8221;][vc_row full_width=&#8221;stretch_row_content&#8221; gap=&#8221;20&#8243; css_animation=&#8221;none&#8221; disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1676758409832{margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/5&#8243;][\/vc_column][vc_column width=&#8221;3\/5&#8243;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<div style=\"text-align: center; font-size: 34px; line-height: 38px; font-weight: 900; color: #00659e;\">Competitive Comparison<\/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_1668633089094{margin-top: 25px !important;margin-bottom: 30px !important;}&#8221;][vc_empty_space height=&#8221;28px&#8221;][vc_single_image image=&#8221;46885&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css_animation=&#8221;slideInUp&#8221;][vc_empty_space height=&#8221;45px&#8221;][\/vc_column][vc_column width=&#8221;1\/5&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1672328749597{margin-top: 0px !important;background-color: #e8e8e8 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1672329055482{margin-bottom: 0px !important;padding-top: 22px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1668833137961{margin-bottom: 0px !important;}&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Minimum Qualifications &#8211; Are We a Good Match?<\/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_1672331859101{margin-bottom: 20px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;25&#8243;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-textbox \"  ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #cd9d2f;border-top-left-radius: 12px;border-top-right-radius: 12px;border-bottom-right-radius: 12px;border-bottom-left-radius: 12px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-repeat: no-repeat; background-size: cover;background-position: center center;padding-left: 65px;\">[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 27px; font-weight: 600; color: #00659e; text-align: left;\">Interest-Only Bankroll Revolving Line of Credit<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;8px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738157696{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">4 years time in business under the same ownership<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738487410{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Minimum annual sales of $1,200,000<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738499070{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Equifax credit score of 651 or higher<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant 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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738504718{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Home ownership<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-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\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738358658{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Average daily bank balance of $10,000<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;8px&#8221;]<style type=\"text\/css\">.thegem-button-69e167b80273d3456 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b80273d3456 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b80273d3456    \"  ><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='#174888';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY FOR IO-BANKROLL<\/a><\/div> <\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"gem-textbox \"  ><div class=\"gem-textbox-inner\" style=\"border: 1px solid #cd9d2f;border-top-left-radius: 12px;border-top-right-radius: 12px;border-bottom-right-radius: 12px;border-bottom-left-radius: 12px;\"><div class=\"gem-textbox-content\" style=\"background-color: #f4f6f7;background-repeat: no-repeat; background-size: cover;background-position: center center;padding-left: 65px;\">[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<div style=\"font-size: 27px; font-weight: 600; color: #00659e; text-align: left;\">Bankroll Revolving Line of Credit<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;8px&#8221;]<div class=\"gem-icon-with-text gem-icon-with-text-icon-size-small disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738745886{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">2 years time in business under the same ownership<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738781672{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Minimum annual sales of $200,000<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738807968{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">Equifax credit score of 601 or higher<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;padding-bottom: 12px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">No more than 2 cash advances (short-term debt)<\/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 disable-mobile-centered gem-icon-with-text-flow\" ><div style=\"margin-bottom:0px;margin-top:0px; \" class=\"gem-icon-with-text-icon\"><div class=\"gem-icon gem-icon-pack-elegant gem-icon-size-small  gem-icon-shape-square gem-simple-icon\"  style=\"opacity: 1;\"><div class=\"gem-icon-inner\" style=\"\"><span class=\"gem-icon-half-1\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/span><\/span><span class=\"gem-icon-half-2\" style=\"color: #cd9d2f;\"><span class=\"back-angle\">&#xe037;<\/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_1676738870031{padding-top: 3px !important;}&#8221;]<\/p>\n<div style=\"font-size: 22px; line-height: 22px; font-weight: 500; color: #000000;\">No bankruptcies in the last 5 years<\/div>\n<p>[\/vc_column_text]<\/div><\/div><div class=\"clearboth\"><\/div><\/div>[vc_empty_space height=&#8221;8px&#8221;]<style type=\"text\/css\">.thegem-button-69e167b802c613112 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b802c613112 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b802c613112    \"  ><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='#174888';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY FOR BANKROLL<\/a><\/div> <\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1675702127950{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_1690552263835{margin-top: -6px !important;margin-bottom: 28px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #cd9d2f; font-size: 32px; letter-spacing: 5px;\">FINANCING THE FUTURE OF MANUFACTURING<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676747319900{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column][vc_empty_space height=&#8221;60px&#8221;][vc_column_text]The manufacturing industry is buzzing with innovation and adapting to new technologies that require funding and investment. However, financing the future of manufacturing can be daunting. To keep up with the demands of cutting-edge technology, upgrading factories, and enhancing productivity, manufacturing companies require a substantial amount of working capital. Obtaining funding isn&#8217;t always easy, which is why business loans, lines of credit, and other financing options may be needed. ARF Financial has created two unique <a href=\"https:\/\/www.arffinancial.com\/development\/manufacturing-loan-products\/\">manufacturing lines of credit<\/a> designed specifically for manufacturers who have unique issues that keep them accessing traditional financing. It&#8217;s vital that manufacturers have the financial resources to keep up with the ever-evolving landscape of technology and competition. <a href=\"https:\/\/www.arffinancial.com\/development\/industry-disruptors-the-rise-of-micro-factories-in-manufacturing\/\">Micro factories<\/a> and <a href=\"https:\/\/www.arffinancial.com\/development\/implementing-smart-factory-initiatives-to-unlock-new-horizons\/\">smart factories<\/a> are disrupting the manufacturing industry on top of <a href=\"https:\/\/www.arffinancial.com\/development\/whats-causing-the-labor-shortage-in-manufacturing\/\">labor shortages<\/a> that cause expensive delays. <a title=\"https:\/\/www.arffinancial.com\/development\/achieving-supply-chain-assurance-using-time-tested-mitigation-strategies\/\" href=\"https:\/\/www.arffinancial.com\/development\/achieving-supply-chain-assurance-using-time-tested-mitigation-strategies\/\">Supply chain issues<\/a> and <a href=\"https:\/\/www.arffinancial.com\/development\/industry-disruptors-additive-manufacturing\/\">additive manufacturing<\/a> are also disrupting the industry across the board. With well-planned financing strategies, manufacturers can stay ahead of their competitors and continue to contribute to the growth of the industry. <a href=\"https:\/\/www.arffinancial.com\/development\/manufacturing-meetings\/?source=ManufacturingMiniBlog\">Book meeting<\/a>\u00a0with the our manufacturing team now to discuss your needs and how we can tailor a financing plan that allows you to borrow now and pay back at your own pace.[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676747319900{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column][vc_empty_space height=&#8221;60px&#8221;][vc_column_text]<\/p>\n<h1 class=\"blog-article-h1\">3 Manufacturing Industry Trends to Watch in 2024<\/h1>\n<p>On average, the manufacturing industry has\u00a0<a href=\"https:\/\/www.ibisworld.com\/industry-statistics\/market-size\/manufacturing-united-states\/?utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\" class=\"broken_link\">grown 6.6 percent<\/a> per year between 2017 and 2022; in 2022, the industry\u2019s market size was measured at $8.8 trillion (in revenue). These are significantly impressive numbers, considering the stubborn presence of labor shortages, supply chain issues, and an economy crippled with the residual effects of a global pandemic\u2013and they far surpass a lot of experts\u2019 previous predictions. But we\u2019re not totally out of the woods: What\u2019s expected to plague the manufacturing industry in 2024 is inflation, a lack of high-caliber workers, and cybersecurity concerns. As we head into 2024, let\u2019s take a look at 3 industry trends we predict will be critical in maintaining this growth trend while mitigating risk.<\/p>\n<h3>1. Talent Management<\/h3>\n<p>Employee engagement and\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/how-to-increase-employee-retention-in-the-manufacturing-industry\/?urlsource=blog&amp;utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\">retention\u00a0<\/a>are always top of mind for business owners. With a\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/whats-causing-the-labor-shortage-in-manufacturing\/?urlsource=blog&amp;utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\">labor shortage<\/a>\u00a0gripping the manufacturing industry, it will be more important than ever that management focuses on hiring the best and brightest\u2013and keeping them around. Remember, lack of a strong workforce costs your business\u00a0 time\u00a0<em>and\u00a0<\/em>money. Companies are less able to respond to economic shifts in an efficient manner if the right people aren\u2019t in place who can quickly change course. Some strategies to consider when looking to reduce churn include wage increases; greater focus on diversity, equity, and inclusion (DEI); and flexibility, including a potential hybrid working structure.<\/p>\n<h3>2. Technology<\/h3>\n<p>We know technology is continuously improving, and nowhere more so than in the manufacturing industry. Investing in and implementing new technology has been the saving grace for a lot of manufacturing companies, as it places them in a better position to quickly adapt and rebound during times of economic uncertainty. To streamline operations, manufacturers surveyed by\u00a0<a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/energy-resources\/us-2023-outlook-manufacturing.pdf?utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\">Deloitte\u00a0<\/a>noted their plans to focus on robotics and automation (62 percent) and data analytics (60 percent) in 2024. For instance, it\u2019s much simpler for a company to forecast when they have robust data and analytics capabilities. And with automation in place, manufacturers can increase productivity and tackle the labor shortage at the same time.<\/p>\n<h3>3. Supply Chain Focus<\/h3>\n<p>The uncertainty surrounding the shortage of materials still warrants concern from manufacturers. To lessen the impacts of these supply chain disruptions, manufacturers have adopted more advanced digital technologies, strengthened their partnerships with suppliers, and\u00a0<a href=\"https:\/\/www.pwc.com\/gx\/en\/about\/pwc-asia-pacific\/building-rebalanced-and-resilient-supply-chains\/balancing-just-in-time-with-just-in-case-profitable-redundancy-in-supply-chains.html?utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\">created redundancy<\/a>\u00a0in the supply chain.<\/p>\n<p>It\u2019s also worth noting the importance of staying local. Manufacturers have increased their operations locally in an effort to limit avoidable snags, like logistics flukes or transportation issues. There\u2019s also increased focus on building production factories right here in the United States\u2013a venture that is further bolstered by The Infrastructure Investment and Jobs Act (IIJA).<\/p>\n<p>We\u2019ll continue to keep an eye on these trends over the course of 2024. All the hard work that was done in terms of innovations in the manufacturing industry will surely get more traction in the coming year. It\u2019s important to position your company for growth while also keeping an eye on potential setbacks: in essence, hope for the best but prepare for the worst. And for more content on the latest industry and financial trends, <a href=\"https:\/\/www.arffinancial.com\/development\/blog\/?urlsource=blog&amp;utm_source=hs_automation&amp;utm_medium=email&amp;utm_term=deleted&amp;utm_content=242959303&amp;utm_campaign=Manufacturing&amp;gclid=deleted\">you know where to find us<\/a>.<\/p>\n<p><span style=\"font-size: 13px; line-height: 15px;\">Your privacy is important to us. ARF Financial will never sell or rent your information to any third party.\u00a0<a href=\"https:\/\/www.arffinancial.com\/development\/privacy\/?utm_source=Outbrain&amp;utm_medium=OutbrainBlog&amp;utm_term=Outbrain&amp;utm_content=GoingGreen&amp;utm_campaign=GoingGreen\">Click here<\/a>\u00a0for more information about our privacy policy.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1706815084603{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_1706815093756{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_1704988828189{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-69e167b802d8b9781.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e167b802d8b9781.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e167b802d8b9781 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b802d8b9781 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b802d8b9781     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_content&#8221; equal_height=&#8221;yes&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1680301268160{margin-right: 1% !important;margin-bottom: 0px !important;margin-left: 1% !important;padding-top: 44px !important;padding-bottom: 30px !important;background-color: #e8e8e8 !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\/4&#8243; css=&#8221;.vc_custom_1672330655401{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_single_image image=&#8221;47065&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1672330683611{padding-top: 10px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">New Client Pot of Gold!<\/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;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1672330587245{margin-bottom: 25px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1678338864050{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">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.*<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css=&#8221;.vc_custom_1678339168095{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"font-size: 11px; line-height: 14px; text-align: left;\">*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.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b802e843139 .gem-button svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b802e843139    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration\" target=\"_self\">APPLY NOW<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;20&#8243; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1683315743405{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 10px !important;background-image: url(https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2022\/02\/cash-background-dk-blue.jpg?id=40634) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column css_animation=&#8221;fadeInLeft&#8221; width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;47121&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column css_animation=&#8221;fadeInRight&#8221; width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<div style=\"font-size: 34px; font-weight: bold; color: #ffffff; text-align: left; line-height: 42px;\">New Client Reward up to $2,500!<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;#cd9d2f&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-size: 20px; color: #ffffff;\">New clients can get a generous reward this month. We\u2019re giving away $500 Amex Gift Cards for every $50,000 borrowed by the end of April. Maximum reward cap at $2,500 worth of gift cards. To qualify, loans must fund on or before April 30th, 2023.*<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680297606315{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"line-height: 14px;\"><span style=\"font-size: 11px; color: #ffffff;\">*Gift card offer is only available to new merchants (out of the program 120 days or more). To qualify, merchant must borrow $50,000 or more on or before April 30th, 2023. Maximum gift card earnings is $5,000. Merchants must be approved under ARF Financial\u2019s standard underwriting models and policies, merchant\u2019s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $50,000. Promotion is only valid on loans with terms of 39 weeks or longer. IO Flex Pay Loans are also excluded.<\/span><\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b802f5d8329.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e167b802f5d8329.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e167b802f5d8329 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b802f5d8329 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b802f5d8329     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_1685632242377{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-69e167b80302e7580.lazy-loading-before-start-animation .lazy-loading-item {opacity: 0;} body.thegem-effects-disabled .thegem-button-69e167b80302e7580.lazy-loading-before-start-animation .lazy-loading-item {opacity: 1;}<\/style><style type=\"text\/css\">.thegem-button-69e167b80302e7580 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b80302e7580 .gem-button:hover svg {fill: #00659e;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b80302e7580     lazy-loading lazy-loading-before-start-animation\"  ><a class=\"gem-button gem-button-size-medium gem-button-style-flat gem-button-text-weight-normal lazy-loading-item\" data-ll-effect=\"drop-right-without-wrap\" style=\"border-radius: 6px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#ffffff';this.style.color='#00659e';\" href=\"https:\/\/www.arffinancial.com\/development\/working-with-us\/current-offers\/\" target=\"_self\">LEARN MORE<\/a><\/div> [vc_empty_space height=&#8221;10px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; equal_height=&#8221;yes&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1672347462231{margin-right: 1% !important;margin-left: 1% !important;padding-top: 44px !important;padding-bottom: 30px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1672330655401{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_single_image image=&#8221;46083&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1672330683611{padding-top: 10px !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: left;\">Funding Your Success<\/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;20&#8243; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1672330587245{margin-bottom: 25px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1672330367732{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Unlike other financial services companies, we employ professional loan consultants who live and work in your community, understand the challenges you face, and are committed to sticking by your side even after your loan funds. They will help you get approved quickly, make sure you get the funding you need, and remain with you over the life of your business. If you are unsure about your financing needs or prefer a more personalized concierge experience, call our toll free line or click on the link below to email one of our loan consultants.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_column_text css=&#8221;.vc_custom_1672331036083{margin-bottom: 0px !important;}&#8221;]<\/p>\n<div style=\"text-align: left; font-size: 22px; color: #00659e;\">Call <a href=\"tel: 888-416-9350\">(888) 416-9350<\/a> to speak to an experienced loan consultant.<\/div>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b80310e2554 .gem-button svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-inline thegem-button-69e167b80310e2554    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';\" href=\"mailto:busdev@arffinancial.com\" target=\"_self\">EMAIL A CONSULTANT<\/a><\/div> [\/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;fadeIn&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1672331146513{margin-top: 0px !important;margin-bottom: 0px !important;padding-bottom: 16px !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; css=&#8221;.vc_custom_1672156143195{margin-bottom: 0px !important;padding-right: 26px !important;padding-left: 26px !important;background-color: rgba(0,0,0,0.07) !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;46263&#8243; img_size=&#8221;200&#215;200&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Fast &amp; Convenient<\/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_1672156197228{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Apply online in minutes. Line approvals are normally issued in 24 to 48 hours. With abbreviated underwriting and low documentation, funds can be available in less than a week.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b8031ed9552 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8031ed9552 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8031ed9552    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY ONLINE<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1672156226747{margin-bottom: 0px !important;padding-right: 26px !important;padding-left: 26px !important;background-color: rgba(0,101,158,0.12) !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;46262&#8243; img_size=&#8221;200&#215;200&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Larger Loan Amounts<\/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_1699300546355{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">With our Bankroll Revolving Line of Credit, you can access loan amounts from $5,000 to $1 million. Amounts up to $750,000.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b8032ad7505 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8032ad7505 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8032ad7505    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY ONLINE<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1672156218510{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 26px !important;padding-left: 26px !important;background-color: #efefef !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;45761&#8243; img_size=&#8221;200&#215;200&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Rates You Can Afford<\/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_1672156152411{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Let&#8217;s face it, when you need capital for your manufacturing business, the interest rate is important. With IO-Bankroll, you can qualify for rates as low as 0.7115% per week!<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b8033692926 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8033692926 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8033692926    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY ONLINE<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1671943635700{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 26px !important;padding-left: 26px !important;background-color: rgba(0,101,158,0.12) !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;45761&#8243; img_size=&#8221;200&#215;200&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Lower Payments<\/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_1672156160413{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">IO-Bankroll&#8217;s LOW, interest-only payments can be a powerful tool for making improvements that can transform your business while keeping your cash flow stable<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b8034281758 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8034281758 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8034281758    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY ONLINE<\/a><\/div> [\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1671943749623{margin-top: 0px !important;margin-bottom: 0px !important;padding-right: 26px !important;padding-left: 26px !important;background-color: #efefef !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_single_image image=&#8221;45762&#8243; img_size=&#8221;200&#215;200&#8243; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Keeps You in Control<\/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_1672156617982{margin-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">With a Bankroll Revolving Line of Credit you&#8217;re in charge! Draw funds as often as you like and make partial principal paydowns whenever you need to during the revolving period.<\/p>\n<p>[\/vc_column_text]<style type=\"text\/css\">.thegem-button-69e167b8034e02925 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8034e02925 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8034e02925    \"  ><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: 2px;background-color: #c89c1f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#c89c1f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#00659e';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" target=\"_self\">APPLY ONLINE<\/a><\/div> [\/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<div style=\"text-align: center; color: #ffffff; font-size: 26px; font-weight: 500;\">Calculate a Potential Loan Amount for Your Manufacturing Business<\/div>\n<p>[\/vc_column_text][\/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 disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1668867148422{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<\/p>\n<div style=\"text-align: center; font-size: 40px; line-height: 47px; font-weight: 900; color: #00659e;\">Business Loan Calculator &amp; Quote Request<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][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;12px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;30&#8243; disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1668860911603{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1668788106821{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 40px !important;padding-left: 40px !important;background-color: rgba(0,0,0,0.05) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;*background-color: rgb(0,0,0) !important;border-left-color: #d8d8d8 !important;border-left-style: solid !important;border-right-color: #d8d8d8 !important;border-right-style: solid !important;border-top-color: #d8d8d8 !important;border-top-style: solid !important;border-bottom-color: #d8d8d8 !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221;][vc_single_image image=&#8221;45709&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1668862992221{margin-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1668866061907{margin-top: 10px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #00659e; font-size: 34px; font-weight: 600; line-height: 39px; letter-spacing: -.2px;\">Calculate Your Loan Amount<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; css_animation=&#8221;none&#8221; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1668861868216{margin-top: 6px !important;padding-bottom: 9px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1668788292790{margin-bottom: 14px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 19px; line-height: 24px;\">Use the sliders below to indicate your 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;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1668867258173{margin-right: 0px !important;margin-left: 0px !important;}&#8221;]<\/p>\n<div style=\"line-height: 19px; text-align: center; font-size: 15px; color: #000000;\">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. Home ownership &#8211; home must be in your name. Bankruptcy &#8211; includes personal and business bankruptcy.<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1668788060751{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 39px !important;padding-left: 39px !important;background-color: rgba(0,0,0,0.05) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(0,0,0) !important;border-left-color: #d8d8d8 !important;border-left-style: solid !important;border-right-color: #d8d8d8 !important;border-right-style: solid !important;border-top-color: #d8d8d8 !important;border-top-style: solid !important;border-bottom-color: #d8d8d8 !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_single_image image=&#8221;45709&#8243; img_size=&#8221;150&#215;150&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1668862992221{margin-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1668866052552{margin-top: 10px !important;}&#8221;]<\/p>\n<div style=\"text-align: center; color: #00659e; font-size: 34px; font-weight: 600; line-height: 39px; letter-spacing: -.2px;\">Request a Custom Quote<\/div>\n<p>[\/vc_column_text][vc_separator color=&#8221;custom&#8221; border_width=&#8221;3&#8243; el_width=&#8221;20&#8243; css_animation=&#8221;none&#8221; accent_color=&#8221;#cd9d2f&#8221; css=&#8221;.vc_custom_1668861868216{margin-top: 6px !important;padding-bottom: 9px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1672347582584{margin-bottom: 14px !important;}&#8221;]<\/p>\n<p style=\"text-align: center; font-size: 19px; line-height: 24px;\">Enter your information below to request a quote. Your local loan consultant will crunch the numbers and prepare a custom quote based on your unique circumstances.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_raw_html]JTVCaHVic3BvdCUyMHR5cGUlM0QlMjJmb3JtJTIyJTIwcG9ydGFsJTNEJTIyMjA1NTk1NTUlMjIlMjBpZCUzRCUyMjUwOTczZGRhLWJiZGUtNGRkYy1hYTI0LTk2Y2MyM2IyYzk2ZCUyMiU1RA==[\/vc_raw_html][vc_empty_space height=&#8221;36px&#8221;][vc_column_text css=&#8221;.vc_custom_1668993259967{padding-right: 16px !important;padding-left: 16px !important;}&#8221;]<\/p>\n<div style=\"font-size: 15px; line-height: 20px; color: #444444; text-align: center;\">By continuing, you consent to ARF Financial&#8217;s Terms of Service and Privacy Policy, in addition to being contacted via the information provided (whether phone, email or text) to discuss your interest in one of our loan products. You may unsubscribe from all communications at any time.<\/div>\n<p>[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8035e62584    \"  ><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\/manufacturing-meetings\/\" target=\"_self\">OR BOOK A MEETING WITH OUR MANUFACTURING TEAM<\/a><\/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_1668861995022{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style type=\"text\/css\">.thegem-button-69e167b8036989436 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8036989436 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8036989436     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: 5px;background-color: #cd9d2f;color: #ffffff;\" onmouseleave=\"this.style.backgroundColor='#cd9d2f';this.style.color='#ffffff';\" onmouseenter=\"this.style.backgroundColor='#124688';this.style.color='#ffffff';\" href=\"https:\/\/arffinancial.force.com\/portal\/ARFRegistration?RPId=0034y00002kbHgWAAU\" 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_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_custom_paddings_mobile=&#8221;true&#8221; css=&#8221;.vc_custom_1668867501373{margin-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1671329564495{padding-bottom: 6px !important;}&#8221;]<\/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_1668867479409{margin-right: 0px !important;margin-left: 0px !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_inner][vc_column_inner width=&#8221;1\/6&#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;none&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1672347632909{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-69e167b8036e9 {margin-top: 30px !important;}<\/style><div id=\"thegem-divider-69e167b8036e9\" 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;46294&#8243; img_size=&#8221;300&#215;300&#8243; alignment=&#8221;center&#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 fast! 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-69e167b8037927848 .gem-button svg {fill: #ffffff;}.thegem-button-69e167b8037927848 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8037927848 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?RPId=0034y00002kbHgWAAU\" 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-69e167b8037d3 {margin-bottom: 30px !important;}<\/style><div id=\"thegem-divider-69e167b8037d3\" 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_content&#8221; equal_height=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1653915971644{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 2% !important;padding-bottom: 3% !important;background-color: #ffffff !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_column_text css_animation=&#8221;none&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #00659e;\">Latest News from Our Manufacturing 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_1653915735122{margin-bottom: 28px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; gap=&#8221;25&#8243;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1671016642338{padding-top: 7% !important;padding-right: 7% !important;padding-bottom: 7% !important;padding-left: 7% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221;][vc_single_image image=&#8221;46069&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3>How to Increase Employee Retention in Manufacturing<\/h3>\n<p>[\/vc_column_text][vc_column_text]Industries across the board see similar patterns with employee turnover, which is why it\u2019s so critical to keep an eye on your business and hone in on how you can hire and retain the best talent.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8038543077    \"  ><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\/how-to-increase-employee-retention-in-the-manufacturing-industry\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1671016668352{padding-top: 7% !important;padding-right: 7% !important;padding-bottom: 7% !important;padding-left: 7% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221;][vc_single_image image=&#8221;46011&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3>When Manufacturing Meets AI<\/h3>\n<p>[\/vc_column_text][vc_column_text]There\u2019s a nationwide push to get more products manufactured here at home. Companies have started to think outside the box in terms of ramping up staffing when the labor pool leaves much to be desired: Artificial Intelligence, or AI.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8038e66283    \"  ><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\/when-manufacturing-meets-ai\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1671016696111{padding-top: 7% !important;padding-right: 7% !important;padding-bottom: 7% !important;padding-left: 7% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221;][vc_single_image image=&#8221;46007&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3>What&#8217;s Causing the Labor Shortage in Manufacturing?<\/h3>\n<p>[\/vc_column_text][vc_column_text]There is still a deficit of 500,000 open positions in manufacturing that stubbornly remain unfilled. What is the root cause of this labor shortage? That\u2019s what we\u2019re here to shed some light on.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e167b8039a12225    \"  ><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\/whats-causing-the-labor-shortage-in-manufacturing\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1672177516659{padding-top: 7% !important;padding-right: 7% !important;padding-bottom: 7% !important;padding-left: 7% !important;background-color: #eeeeee !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221;][vc_single_image image=&#8221;46337&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_column_text]<\/p>\n<h3>3 Manufacturing Trends to Watch in 2023<\/h3>\n<p>[\/vc_column_text][vc_column_text]In 2023, the manufacturing industry will be affected by inflation, a lack of high-caliber workers, and cybersecurity concerns. Let\u2019s take a look at 3 industry trends we predict will be critical.[\/vc_column_text]<div class=\"gem-button-container gem-button-position-center thegem-button-69e167b803a321590    \"  ><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-manufacturing-industry-trends-to-watch-in-2023\/\" target=\"_self\">READ MORE<\/a><\/div> [\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style type=\"text\/css\">.thegem-button-69e167b803aca4830 .gem-button svg {fill: #174888;}.thegem-button-69e167b803aca4830 .gem-button:hover svg {fill: #ffffff;}<\/style><div class=\"gem-button-container gem-button-position-center thegem-button-69e167b803aca4830     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_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; css=&#8221;.vc_custom_1518724739636{margin-top: 0px !important;margin-bottom: 0px !important;background-color: #00659e !important;}&#8221;][vc_column css=&#8221;.vc_custom_1512077903050{padding-top: -35px !important;}&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; disable_element=&#8221;yes&#8221; css=&#8221;.vc_custom_1669290981747{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221;&#8230;<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-45093","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Manufacturing Financing - ARF Financial<\/title>\n<meta name=\"description\" content=\"ARF Financial has superior loan products for manufacturing businesses. 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