Interest-Only Bankroll Revolving Line of Credit

Our Interest-Only Revolving Line of Credit (IO-Bankroll) gives you the power to do more! Whether it’s financing a growth opportunity, an expansion project, a new location, higher labor costs, new equipment, or investing in new technology, IO-Bankroll is your solution. With LOW, interest-only payments for up to a year 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 business growth and increased profitability.

IO-Bankroll Advantages:
Approvals from $200,000 to $1 million in 24 to 48 hours.
Minimum initial draw of 25% of the line’s approval.
Save Big! 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 $10,000 or more during the revolving period.
Unlimited principal paydowns of $10,000 or more during revolving period.
Every regular payment and principal paydown frees up line availability.

*Unlimited draws and partial principal payments are only available during the revolving period. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure the 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 a draw request being funded. ARF will strive to fund all qualified draw requests within two business days of receipt. The Interest-Only Revolving Line of Credit product can only be offered by active, paid CEO Circle Members.

Minimum Qualifications – Are We a Match?


Time in Business

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


Sales Volume

 Businesses generating $1,500,000 annually ($125,000 monthly) may qualify for IO-Bankroll.


Credit Score

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


Home Ownership

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


Bank Balances

 Business owners must maintain an average daily bank balance of $10,000 to qualify for IO Bankroll.

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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.
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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.

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