{"id":52608,"date":"2025-06-06T10:00:50","date_gmt":"2025-06-06T14:00:50","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=52608"},"modified":"2025-07-02T16:58:53","modified_gmt":"2025-07-02T20:58:53","slug":"rp-independence-bankroll","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/rp-independence-bankroll\/","title":{"rendered":"RP Independence Bankroll"},"content":{"rendered":"

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EXCITING NEW PRODUCT FOR STELLA LAUNCH<\/div>\n

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Independence Bankroll<\/p>\n

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Working Capital with Freedom Built In!<\/div>\n

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Give your clients the freedom to grow \u2013 and yourself the power to earn more. Our newly enhanced Independence Bankroll Revolving Line of Credit is designed to support your clients with flexible access to capital right when they need it most, with features no other lender has!<\/p>\n

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Independence Bankroll’s Key Benefits:<\/div>\n

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<\/span><\/span><\/span><\/span><\/div><\/div><\/div>
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Financial Independence<\/strong><\/div>\n

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Features 8 weeks of interest-only payments* as a built in cushion, lowering payments by 67%<\/div>\n

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Larger Loan Amounts<\/strong><\/div>\n

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Line approvals up to $1.5 million with a minimum initial draw of only $5,000<\/div>\n

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Flexible Terms<\/strong><\/div>\n

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Repayment terms up to 36 months and a revolving period up to 12 months<\/div>\n

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Unlimited Draws and Paydowns<\/strong><\/div>\n

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$5,000 minimum, anytime during the revolving period<\/div>\n

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*To qualify for the Independence Bankroll Revolving Line of Credit, must be a new merchant\/guarantor (out of the program for 120 days or more). The 8 weeks of interest-only payments can be used once for an 8-week period or twice for a 4-week period, anytime during the revolving period with a minimum notification of 10 business days. 4 points are due at closing. Additional finance charges apply. Merchant may not draw or pay down during the interest-only period(s). ARF reserves the right to terminate this product at any time. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure merchant\u2019s creditworthiness has not materially changed since the original loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded.<\/div>\n

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Ability to Lower Payments 67%<\/h3>\n

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With Independence Bankroll, your clients have access to 8 weeks of interest-only payments during the revolving period, lowering their payment amount 67%!<\/p>\n

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Max Approvals<\/h3>\n

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Independence Bankroll gives your clients access to the maximum approval of up to $1,500,000, with a minimum first draw of only 25% of their max loan approval.<\/p>\n

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Max Repayment Terms<\/h3>\n

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Independence Bankroll also gives your clients access to the maximum loan repayment term of up to 36 months, resulting in low, fixed weekly payments.<\/p>\n

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Unlimited Draws & Paydowns<\/h3>\n

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During their revolving period, your clients have the freedom to take unlimited draws or make unlimited partial principal paydowns.<\/p>\n

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Pay Off Anytime<\/h3>\n

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With Independence Bankroll, your clients are in control. They can pay off their balance or make partial principal paydowns without penalties or prepayment fees.<\/p>\n

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REFERRAL PARTNERS EARN MORE IN JULY<\/div>\n

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Use Stella and Earn a 1% Bonus!<\/div>\n

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Referral Partners who submit their deals through Stella will earn a 1% bonus* on all first draws funded in July 2025. No cap. No catch. Just submit and fund!<\/div>\n

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*The July Referral Bonus Powered by Stella is valid only for referral partners registered with ARF Financial who have entered into a Referral Partner Membership Agreement which has been validated by ARF. All fees and compensation due for any Referral are subject to the terms of the Referral Partner Membership Agreement including the Terms and Conditions (here-this would hyperlink to the updated Terms and Conditions). To qualify for the 1% bonus, deals must be submitted via the Stella Email Portal (stella@arffinancial.com) and conform to the requirements of the Stella Program Parameters as set forth in the Terms (e.g. the Referral shall attach a pdf copy of the client\u2019s application along with the three most recent bank statements and be processed by the Stella AI Assistant and provide valid authorization by the client to share the application and supporting documents with ARF). The Referral must also result in a funded first draw between July 1 and July 31, 2025. The July Referral Bonus applies only on the initial draw amount of new loans submitted and does not apply to renewals, line increases, or subsequent draws. The bonus is calculated based on the funded amount of the first draw and will be paid in addition to standard referral commissions. Bonuses will be paid after funding and verification. ARF Financial reserves the right to modify, extend, or terminate this promotion at any time without prior notice. This offer is void where prohibited..<\/p>\n

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CLIENTS CAN ALSO RECEIVE BIG REWARDS IN JULY<\/div>\n

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Up to $1,000 Cash Back for Your Clients!<\/div>\n

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In July, your Independence Bankroll clients can earn a $500 Amex E-Gift Card for every $50,000 they take on their initial draw up to $1,000! A powerful incentive to get deals moving quickly.*<\/div>\n

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*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $500 Amex Gift Card for every $50,000 taken on their initial draw, up to a maximum of $1,000. Must fund by 7\/31\/2025 to qualify. ARF reserves the right to terminate this offer at any time.<\/p>\n

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Use of Funds
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At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, small business owners use our revolving line of credit for a variety of business reasons. Revolving lines of credit are ideal for those operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and\/or issues can arise quickly and having a committed revolving line of credit allows them to be ready for the unexpected.<\/p>\n

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Here are some examples of how restaurant and small business owners use the funds:<\/span><\/p>\n

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Equipment financing<\/div>\n

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Purchasing inventory in bulk for volume discounts<\/div>\n

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Renovations and remodels<\/div>\n

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Expansion projects<\/div>\n

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Pay for franchise obligations<\/div>\n

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Take the leap and open another location<\/div>\n

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Obtain a liquor license<\/div>\n

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Operational capital for slow, seasonal periods<\/div>\n

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Add catering and take-out services<\/div>\n

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Upgrade your POS \/ Computer System<\/div>\n

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Remodel your kitchen for maximum efficiency<\/div>\n

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Buy out a business partner<\/div>\n

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Invest in outdoor signage and landscaping<\/div>\n

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Start a new advertising \/ marketing campaign<\/div>\n

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Pay your business taxes<\/div>\n

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Consolidate and pay off more expensive debt<\/div>\n

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Minimum Qualifications
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Industry Type<\/h2>\n

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We lend to more than just restaurants. Over the years we’ve expanded our list of approved industries. Click here<\/a> to see the full list.<\/p>\n

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Credit Score<\/h2>\n

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Your clients don’t need to have perfect credit to qualify for Bankroll. Business owners with an Equifax Credit Score of 575 or higher can qualify.<\/p>\n

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Time in Business<\/h2>\n

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Applicant must own the business. The business must be open and operating under the same ownership for at least 1 month.<\/p>\n

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Annual Sales<\/h2>\n

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Your client’s business must generate a minimum of $17,000\/month in sales ($200,000 annually) from both credit card and cash.<\/p>\n

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What Our Customers Are Saying<\/h2>\n

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Latest News from Our Blog<\/span><\/h2>\n

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