io-bankroll-new-logo

Interest-Only Revolving Line of Credit

IO-Bankroll gives you the power to do more! It doesn’t matter whether it’s a growth opportunity, an expansion project, higher labor costs, new equipment, investing in new technology, or supply chain delays, IO-Bankroll is your solution. With LOW, interest-only payments for up to 12 months and approvals in 24 to 48 hours on amounts up to $1 million, ARF Financial’s IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives you the flexibility to draw funds and pay down your principal balance as often as you need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool for growth and increased profitability.

IO-Bankroll Advantages:
Approvals from $5,000 to $1 million in 24 to 48 hours.
Pay only the interest on your outstanding balance for up to a year.
Receive repayment terms up to 3 years with low, fixed payments.
A revolving period of up to 11 months (48 weeks).
Unlimited draws of $25,000 or more during the revolving period.
Unlimited principal paydowns of $25,000 or more during revolving period.
Every regular payment and principal paydown frees up line availability.

Minimum Qualifications – Are We a Match?

time-in-business-icon-blue

Time in Business

Manufacturing businesses must be open and operating for a minimum of 4 years under the same ownership to qualify.

blue-credit-score-icon

Credit Score

Less than perfect credit is not a barrier. We can work with manufacturers with an Equifax credit score of 651 or higher.

annual-sales-blue-icon

Sales Volume

Manufacturing businesses generating $1,200,000 annually ($100,000 monthly) may qualify for IO-Bankroll.

home-owner-blue-icon

Home Ownership

To qualify for IO Bankroll, applicant must own their home and be in their name. if there is a mortgage, it must be current.

bank-balances

Bank Balances

Manufacturing business owners must maintain an average daily bank balance of $10,000 to qualify.

Funding Your Success

Unlike other financial services companies, we employ a team of seasoned loan consultants who live and work in your community, understand the challenges you face, and are committed to sticking by your side even after your loan funds. They will help you get approved quickly, make sure you get the funding you need, and remain with you over the life of your business. If you are unsure about your financing needs or prefer a more personalized concierge experience, call our toll free line or click on the link below to email one of our loan consultants.

Call (888) 416-9350 to speak to an experienced loan consultant.
Calculate the Potential Loan Amount for Your Manufacturing Business
Business Loan Calculator & Quote Request
budget-icon
Calculate Your Loan Amount

Use the sliders below to indicate your annual sales, time in business and credit score.

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month
Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.
budget-icon
Request a Custom Quote
Enter your information below to request a quote. Your local loan consultant will crunch the numbers and prepare a custom quote based on your unique circumstances.
By continuing, you consent to ARF Financial’s Terms of Service and Privacy Policy, in addition to being contacted via the information provided (whether phone, email or text) to discuss your interest in one of our loan products. You may unsubscribe from all communications at any time.

Terms and Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

What Our Customers Are Saying

Latest News from Our Manufacturing Blog

How to Increase Employee Retention in the Manufacturing Industry

How to Increase Employee Retention in Manufacturing

Industries across the board see similar patterns with employee turnover, which is why it’s so critical to keep an eye on your business and hone in on how you can hire and retain the best talent.

When manufacturing meets AI

When Manufacturing Meets AI

There’s a nationwide push to get more products manufactured here at home. Companies have started to think outside the box in terms of ramping up staffing when the labor pool leaves much to be desired: Artificial Intelligence, or AI.

What’s Causing the Labor Shortage in Manufacturing?

What’s Causing the Labor Shortage in Manufacturing?

There is still a deficit of 500,000 open positions in manufacturing that stubbornly remain unfilled. What is the root cause of this labor shortage? That’s what we’re here to shed some light on.

3 Manufacturing Industry Trends to Watch in 2023

3 Manufacturing Trends to Watch in 2023

In 2023, the manufacturing industry will be affected by inflation, a lack of high-caliber workers, and cybersecurity concerns. Let’s take a look at 3 industry trends we predict will be critical.