{"id":1828,"date":"2014-04-29T14:11:52","date_gmt":"2014-04-29T14:11:52","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=1828"},"modified":"2025-07-02T14:03:20","modified_gmt":"2025-07-02T18:03:20","slug":"fdic-small-business-loan","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/fdic-small-business-loan\/","title":{"rendered":"Getting Approved for an FDIC-Insured Small Business Loan"},"content":{"rendered":"<p>Do you wish there was an easy way to get your small business financed?<\/p>\n<p>ARF Financial is a specialty lender in the small to medium-sized business space that may be the perfect solution for your needs.<\/p>\n<p><a href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2014\/04\/small-business-funding-success.png\"><img class=\"alignnone size-full wp-image-1835\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2014\/04\/small-business-funding-success.png\" alt=\"small business financing\" \/><\/a><\/p>\n<h2>Since 2001, we&#8217;ve been providing loans for businesses that cannot obtain loans from the bank.<\/h2>\n<p>We know that many franchise owners and &#8220;mom and pop&#8221; businesses have a hard time finding an ethical lender who can help their businesses grow fast.<\/p>\n<p><strong>A traditional bank loan requires:<\/strong><\/p>\n<ul>\n<li>At least two years of cash flow demonstrating that the loan can be paid back<\/li>\n<li>Free and clear collateral that can be liquidated if the merchant can&#8217;t repay the loan<\/li>\n<li>Cash on hand equal to the amount the merchant wants to borrow<\/li>\n<li>Low debt compared to a merchant&#8217;s capital in the business<\/li>\n<li>8 weeks to consider the loan application<\/li>\n<li>Personal tax returns and a personal net worth statement<\/li>\n<\/ul>\n<h2>At ARF Financial we have developed long-term relationships with banks that allows us to help you obtain an FDIC-insured business loan even if you don&#8217;t meet the traditional requirements listed above.<\/h2>\n<p><strong>How ARF Financial can help you:<\/strong><\/p>\n<p><a href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2014\/04\/small-business-financing-arf.png\"><img class=\"alignnone size-full wp-image-1836\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2014\/04\/small-business-financing-arf.png\" alt=\"small-business-financing-arf\" \/><\/a><\/p>\n<p>If you have an opportunity to enhance your business &#8212; such as buying new equipment, purchasing new licenses or renovating your location &#8212; ARF Financial can help by:<\/p>\n<ul>\n<li>Approving you for a business loan between $5,000 and $1,000,000<\/li>\n<li>Providing the financing within 7 to 10 days after submitted application<\/li>\n<li>Not requiring collateral on loan amounts up to $500,000<\/li>\n<li>Giving you flexible terms up to 18 months<\/li>\n<li>Always supporting you with excellent customer service<\/li>\n<li>Allowing you to pay off early with a penalty<\/li>\n<\/ul>\n<p><strong>In general a loan through ARF Financial is a perfect fit for business owners who:<\/strong><\/p>\n<ul>\n<li>Are credit challenged in some way<\/li>\n<li>Have exhausted traditional bank relationships or view them as a hassle<\/li>\n<li>Don&#8217;t have a &#8220;rainy day&#8221; reserve<\/li>\n<li>Have seasonal sales and need to bridge the gap<\/li>\n<li><a href=\"https:\/\/www.arffinancial.com\/development\/compare-us\/loan-vs-cash-advance\/\">Are considering a Cash Advance but want an alternative with better terms\u00a0<\/a><\/li>\n<li>Are ready to take advantage of growth opportunities that require short-term <a href=\"https:\/\/www.arffinancial.com\/development\/loan-products\/working-capital-loans\/\">working capital<\/a><\/li>\n<\/ul>\n<p><strong>Requirements for Obtaining a Business Loan Through ARF Financial:<\/strong><\/p>\n<p>Qualifying for an FDIC-insured small business loan through ARF Financial is much easier than through your bank. Here is a list of our requirements:<\/p>\n<ul>\n<li>FICO score of 575 or greater<\/li>\n<li>Minimum annual sales of $200,000<\/li>\n<li>Last 3 months of bank statements and one current credit card statement<\/li>\n<li>Proof of time in business (business must be open at least one month)<\/li>\n<\/ul>\n<p><strong>Would you like to explore financing options to grow your business? <span style=\"color: #ff9900;\"><a href=\"https:\/\/www.arffinancial.com\/development\/contact\/?utm_source=blog&amp;utm_medium=post&amp;utm_campaign=blogcontact\"><span style=\"color: #ff9900;\">Contact us\u00a0<\/span><\/a><\/span>today to learn more about obtaining an FDIC-insured small business loan in just a matter of days!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you wish there was an easy way to get&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[111,698],"tags":[],"class_list":{"0":"post-1828","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-business-financing","7":"category-small-business-financing"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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