WE’RE SERVING AN EXTRA HELPING OF
INTEREST-ONLY PAYMENTS!
The W-2 Requirement Is Also Off The Table!
Business owners have a lot on their plates. Holiday inventory, staffing, slower receivables, and plans for the new year can all put pressure on cash flow. ARF Financial is bringing more to the table with payment flexibility that helps business owners plan ahead.
Elevate 12 increases the available interest-only payment weeks from eight to twelve, giving business owners more choices about when to defer regular amortizing payments.
- Up to eight weeks may be used during the first 26 weeks or saved for later in the loan term.
- Four additional weeks become available after week 26.
- Interest remains payable during interest-only weeks.
- EVERY APPROVED CLIENT QUALIFIES!
*To qualify for the Elevate 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 term of the loan with a minimum notification of 10 business days. The additional 4 weeks of interest-only payments become available after week 26. 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’s 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.Elevate provides eligible borrowers with optional interest-only payment weeks and is subject to eligibility requirements and the terms and conditions of the applicable financing documents. An additional 1% closing fee applies when Elevate is included. Using Elevate defers regular amortizing payments, extends the loan term, and increases the total financing cost.Offer ends December 31, 2026.
The W-2 Requirement Is Off The Menu!
The W-2 requirement is waived for approved industries through year-end.
Through December 31, 2026, ARF Financial is waiving the W-2 requirement for approved industries. That means one less document to provide as business owners explore financing for their business. Business owners who previously did not meet this requirement are encouraged to reach out to us.
Other documentation and underwriting requirements still apply.
Elevate 12 is available for refinancing as well as new financing opportunities. Revisit past deals and talk with your ARF representative about clients who could benefit from added payment flexibility.
Whether preparing for seasonal demand, managing upcoming expenses, or considering refinancing, let’s talk about financing that fits these plans. Elevate 12 is available with an amortizing Bankroll line of credit or term loan, including refinancing opportunities. Get ready for what’s next with more payment flexibility for your business.
Plumbers provide essential services that keep water systems functioning safely and efficiently in homes and businesses, addressing everything from leaks to major infrastructure issues. Because these problems often require immediate attention, plumbing services remain in constant demand regardless of economic conditions.
Electricians provide essential services that homes and businesses rely on regardless of economic conditions, making their work relatively resilient to economic downturns. They benefit from ongoing demand driven by system upgrades, and increasing reliance on electrical infrastructure such as EV charging and smart technologies.
HVAC contractors also provide essential heating and cooling services that homes and businesses cannot postpone for long, making their work relatively resilient even during economic uncertainty. They see steady demand from routine maintenance, and energy-efficiency upgrades that homeowners and businesses prioritize.
Larger Loan Amounts, Longer Terms & Big Rewards
When comparing business lenders, SIZE MATTERS! Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’ve got big plans for your business, we have financing that’s the perfect fit. You can now borrow up to $1,500,000 with terms up to 36 months to fund those projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below:
Loan Program Advantages
ARF Financial is a California licensed lender that has forged relationships with banks around the country that are committed to work with you to acquire a bank loan fast, without endless paperwork. That means the interest is tax deductible, rates are fixed, and the terms are transparent. You receive the financing you need fast, with affordable payments that won’t increase as revenue grows.
Business Types We Lend To
From restaurants to liquor stores, to doctors and manufacturers, ARF Financial’s unique loan products help keep a wide variety of businesses growing and profitable. Here are a few of the many business types we can help:
Minimum Qualifications
Industry Type
We lend to more than just restaurants. We have expanded to include many more approved industries. Click here to see the full list.
Credit Score
You don’t need perfect credit to qualify. Applicants with an Equifax credit score of 575 or higher are acceptable.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.
Quick & Easy Way to Apply
If you need working capital, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. You will also speak to an assigned Loan Consultant who is knowledgeable about the market, which loan product is the right fit, and will work with you throughout the process.