INTRODUCING:

Independence Bankroll

Capital with Freedom Built In!

Ready for some Independence day Fireworks? We have enhanced the benefits of our Bankroll Revolving Line of Credit. We call it Independence Bankroll. With it, you can access up to 8 weeks of interest-only payments (that’s 67% lower), making it perfect for merchants who are ramping up for the summer or need to bridge the gap until a busier season.

Enhanced Benefits of Independence Bankroll:
8 Weeks of Low, Interest-Only Payments – 67% Lower!
Choose from One 8-week Interest-Only Period or 2 Four-Week Periods
Larger Loan Amounts – Up to $1.5 Million for Summer Season Preparations
Repayment Terms Up to 3 Years and a Revolving Period Up to 1 Year
Unlimited Draws of $5,000 or More During the Revolving Period*
Unlimited Partial Principal Paydowns of $5,000 or More During Revolving Period*
You Can Pay Off at Anytime Without Fees or Penalties and SAVE BIG!
*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.
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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.

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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.

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Unlimited Draws & Paydowns

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

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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.

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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

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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.

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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.

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Time in Business

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

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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

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Quick & Easy Online Application

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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.