{"id":3762,"date":"2015-08-07T20:41:46","date_gmt":"2015-08-07T20:41:46","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=3762"},"modified":"2023-11-06T18:36:11","modified_gmt":"2023-11-06T23:36:11","slug":"restaurant-working-capital","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/restaurant-working-capital\/","title":{"rendered":"How a Restaurant Can Use a Working Capital Loan"},"content":{"rendered":"<p>Restaurant owners face multiple challenges everyday. Training your waitstaff, testing new menu items and keeping track of vendors are just a few tasks that every restauranteur faces at one point or another.<\/p>\n<p>Some of your challenges have to do with time, some are related to people and others are purely related to money. Perhaps you are dreaming of opening a second location, or you have been offered a special bulk deal and wish that you had some money saved up to take advantage of the opportunity.<\/p>\n<p>If managing your cash flow or capitalizing on growth scenarios is something you struggle with, a working capital business loan may be the right solution for your restaurant.<\/p>\n<p><a href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-646678_1280.jpg\"><img class=\"alignnone size-full wp-image-3773\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-646678_1280.jpg\" alt=\"financing a restaurant\" \/><\/a><\/p>\n<p>A working capital loan can give you a short term cash injection, meaning that these opportunities won\u2019t be missed.\u00a0<strong>You can use a working capital loan for:<\/strong><\/p>\n<ul>\n<li>Purchasing extra stock or new inventory<\/li>\n<li>Taking advantage of supplier special bulk deals<\/li>\n<li>Renovating\u00a0your restaurant to keep it modern, clean and appealing to customers<\/li>\n<li>Covering license payments \u2013 liquor, health and safety, music<\/li>\n<li>Help with the purchase of equipment<\/li>\n<li>Advertising of an event<\/li>\n<li>Opening a new location<\/li>\n<\/ul>\n<p><strong>Here&#8217;s a story that will put this whole post in context for you:<\/strong><\/p>\n<p><a href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-826738_1280.jpg\"><img class=\"alignnone size-full wp-image-3778\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-826738_1280.jpg\" alt=\"bar\" \/><\/a><\/p>\n<p>&#8220;An established down-home-goes-uptown restaurant in Indianapolis was losing business due to their long wait time. To fix this they needed to quickly add a bar area and secure a 3-way liquor license. We were able to<strong> fund a working capital loan within a few business days of their application<\/strong> and setup a line of credit for them. Soon after they were featured on Food Network&#8217;s Diners, Drive-Ins and Dives!&#8221;<\/p>\n<p><strong>Another restaurateur shares his story:<\/strong><\/p>\n<p><a href=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-842342_1280.jpg\"><img class=\"alignnone size-full wp-image-3779\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2015\/08\/restaurant-842342_1280.jpg\" alt=\"restaurant patio\" \/><\/a><\/p>\n<p>&#8220;Having purchased a restaurant a year prior, an owner wanted to add a new patio and renovate. His bank turned him down, and every cash advance company that quoted him required that he pay back the advance within 6-8 months. With ARF Financial, he was able to <strong>secure a $50K working capital loan with a one year term<\/strong>. This allowed him to spread the payments over a longer period and helped his cash flow significantly. His new patio and dance floor helped him fill more seats, and book weddings &#8211; which increased his sales volume.&#8221;<\/p>\n<h2><strong>What is a Working Capital Loan?<\/strong><\/h2>\n<p>A working capital loan is a business loan\u00a0that allows you to manage your everyday operations as well as take advantage of growth opportunities.<\/p>\n<p>A working capital loan, such as one arranged by ARF Financial has a number of features, including:<\/p>\n<ul>\n<li>It can be accessed quickly<\/li>\n<li>You don\u2019t need a perfect credit rating<\/li>\n<li>There is little paperwork<\/li>\n<li>It has flexible terms for up to 18 months<\/li>\n<li>It has fixed payments and interest rates<\/li>\n<li>It isn\u2019t linked to credit card receipts<\/li>\n<li>The interest is tax deductible<\/li>\n<\/ul>\n<p>A working capital loan can be the key to the success of a restaurant because it allows you to\u00a0dream big, expand and grow your company without hurting your cash flow.<\/p>\n<p><strong>Find out how much of a loan your restaurant could qualify for <a style=\"color: #ff6633;\" href=\"https:\/\/www.arffinancial.com\/development\/compare-us\/loan-calculator\/?utm_source=blog&amp;utm_medium=blogpost&amp;utm_campaign=loancalculator\" target=\"_blank\" rel=\"noopener noreferrer\">using our free business loan calculator<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Restaurant owners face multiple challenges everyday. Training your waitstaff, testing&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[111,690],"tags":[],"class_list":{"0":"post-3762","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-business-financing","7":"category-restaurant-financing"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How a Restaurant Can Use a Working Capital Loan - ARF Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arffinancial.com\/development\/restaurant-working-capital\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How a Restaurant Can Use a Working Capital Loan - ARF Financial\" \/>\n<meta property=\"og:description\" content=\"Restaurant owners face multiple challenges everyday. 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