Independence Bankroll - 2025 Best Summer Financing

INTRODUCING: INDEPENDENCE BANKROLL

Independence Bankroll

Working Capital with Freedom Built In!

We believe you deserve the freedom to grow your business without ruining your cash flow, and our newly enhanced revolving line of credit, Independence Bankroll, can help. It is designed to support your business with fast and flexible access to working capital right when you need it most – with features no other lender has.

Enhanced Benefits of Independence Bankroll:



Financial Independence

Features 8 weeks of interest-only payments* as a built in cushion, lowering payments by 67%



Larger Loan Amounts

Line approvals up to $1.5 million with a minimum first draw of only $5,000



Flexible Terms

Repayment terms up to 3 years and a revolving period up to 12 months



Unlimited Draws and Partial Principle Paydowns

$5,000 minimum, as often as you like during the 1-year revolving period

*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’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.

Max Approvals

Bankroll gives you access to the maximum approval of up to $1,500,000, with a minimum first draw of only $5,000.

Max Repayment Terms

Bankroll also gives you access to the maximum loan amortization term of up to 36 months, resulting in low, fixed weekly payments.

Unlimited Draws & Paydowns

During their revolving period, you have the freedom to take unlimited draws or make unlimited partial principal paydowns.

Line Availability

Every regular loan payment you make or partial principal paydown frees up the available funds you can access on your line of credit.

Pay Off Anytime

With Bankroll, you are in control. You can pay off your loan or make partial principal paydowns without penalties, maintenance fees or prepayment fees.

RECEIVE BIG REWARDS IN JULY

Up to $1,000 in Freedom Rewards in July!

We’re offering new clients a nice reward just for using Independence Bankroll! You can receive a $500 Amex E-Gift Card for every $50,000 you take on your initial draw! Offer ends 7/31/2025.*

*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. 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.

Use of Funds

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.

Here are some examples of how restaurant and small business owners use the funds:



Equipment financing



Purchasing inventory in bulk for volume discounts



Renovations and remodels



Expansion projects



Pay for franchise obligations



Take the leap and open another location



Obtain a liquor license



Operational capital for slow, seasonal periods



Add catering and take-out services



Upgrade your POS / Computer System



Remodel your kitchen for maximum efficiency



Buy out a business partner



Invest in outdoor signage and landscaping



Start a new advertising / marketing campaign



Pay your business taxes



Consolidate and pay off more expensive debt

Minimum Qualifications

Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our list of approved industries. Click here to see the full list.

Credit Score

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.

Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least 3 years.

Annual Sales

Your business must generate a minimum of $17,000/month in sales ($200,000 annually) from both credit card and cash.

What Our Customers Are Saying

Quick & Easy Online Application

Your clients can use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 15 minutes and won’t affect their credit! Simply send the client your dedicated link and we’ll do the rest.