{"id":52831,"date":"2025-07-01T09:39:30","date_gmt":"2025-07-01T13:39:30","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?page_id=52831"},"modified":"2025-08-01T11:40:53","modified_gmt":"2025-08-01T15:40:53","slug":"onramp-io","status":"publish","type":"page","link":"https:\/\/www.arffinancial.com\/development\/onramp-io\/","title":{"rendered":"OnRamp Interest-Only Revolver"},"content":{"rendered":"

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EXCITING NEW SBA COMPLIANT PRODUCT<\/div>\n

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OnRamp Interest-Only Revolver<\/p>\n

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The SBA\u2008Compliant Bridge Loan Built for What\u2019s Next<\/span><\/h3>\n

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OnRamp is ARF Financial\u2019s new interest-only revolver, structured as a bank loan making it the ideal short-term bridge for business owners seeking long-term SBA financing. While an SBA loan is processing, OnRamp delivers fast access to flexible and affordable working capital \u2013 without triggering ineligibility due to recent SBA refinancing restrictions.<\/p>\n

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New SBA\u2008Rule, New Risk<\/span><\/h3>\n

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Effective June 1st, the SBA prohibits paying off non-bank, short-term debt like Merchant Cash Advances (MCAs) unless cleared by a complex financial spread test. This means MCA debt can block or delay your SBA approval. OnRamp avoids this risk entirely. As a bank-originated product and fully SBA refinance-compliant, OnRamp gives merchants the financing they need without disruption or delay, keeping you prepared for what\u2019s next.<\/p>\n

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OnRamp Key Benefits<\/div>\n

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Bank originated and fully SBA refinance-compliant<\/div>\n

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Loan amounts up to $1.5 million<\/div>\n

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Minimum initial draw \u2013 only 25% of total approval<\/div>\n

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Low, interest-only payments for up to 12 months<\/div>\n

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Flexible repayment terms up to 36 months if needed<\/div>\n

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Unlimited draws and partial principal paydowns ($10,000 minimum)<\/div>\n

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Ability to pay off at any time with no prepayment penalties or fees<\/div>\n

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*To qualify, must be new merchant\/guarantor (out of the program 120 days +). Unlimited draws and partial principal payments are only available during the revolving period. If interest rate sold is discounted from standard rate, referral partner commission will be discounted \u2013 communicated by assigned Loan Consultant. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting ensuring the merchant\u2019s creditworthiness has not materially changed since the original loan was initiated. Merchant is required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF strives to fund all qualified draw requests within two business days of receipt. OnRamp product is available through 9\/30\/2025.<\/div>\n

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SBA Compliant<\/h3>\n

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OnRamp is a bank-originated loan product and is fully SBA refinance-compliant, giving you the capital and confidence you need now to move forward.<\/p>\n

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Max Approvals<\/h3>\n

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OnRamp gives you access to the maximum approval of up to $1,500,000, and the required minimum draw is only 25% of their max loan approval.<\/p>\n

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Max Repayment Terms<\/h3>\n

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OnRamp also gives you access to the maximum loan amortization 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 12-month revolving period, you have the freedom to take unlimited draws or make unlimited partial principal paydowns ($10,000 minimum).<\/p>\n

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Pay Off at Anytime<\/h3>\n

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With OnRamp, you are in control. You can pay off their loan or make partial principal paydowns without penalties, maintenance fees or prepayment fees.<\/p>\n

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RECEIVE BIG REWARDS IN AUGUST<\/div>\n

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$Up to 1,000 in OnRamp Rewards for You!<\/div>\n

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You can receive up to $1,000 just for using OnRamp! An initial draw (cash out) of $150,000 or more qualifies for a $1,000 Amex E-Gift Card! Offer ends 8\/31\u00ad\u00ad\u00ad\u00ad\/2025.*<\/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 $1,000 Amex Gift Card for an initial draw of $150,000 or more. 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 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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You don’t need to have perfect credit to qualify for Bankroll. Business owners with an Equifax Credit Score of 651 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 3 years.<\/p>\n

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Annual Sales<\/h2>\n

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Your 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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