Financing You Can Bank On

With decades of experience in providing auto-repair and service financing, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your business profitable and on track to achieve your long-term goals. With changing emissions and inspection laws, as well as best practices for diagnosing and repairing problems with a variety of vehicles, you need to stay on top of equipment and technology needs. But not every auto-repair and service business has enough of a reserve to finance their growth, expansion, or upgrade plans. That’s why we’re here to provide you access to the right loan products, and we can do it fast.

At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities or emerging trends as they develop. Here are some valuable options to put our financing to work in your business:

Upgrade technology and equipment

Add an additional bay or service

Keep your parts vendors and distributors paid on time

Train and hire new mechanics and diagnosticians

Buy parts or expand inventory

Maintain your good credit during slow sales periods

The Difference is Insight

Maximize Your Return On Investment

Whether it’s to update existing technology or to expand your services, every auto repair and service company needs an influx of working capital from time to time. And with an ARF Financial unsecured working capital loan, we make sure you are rewarded for your hard work, and you keep more of what you earn. Our team of personal financial consultants is very knowledgeable about the auto repair and service industry and will customize your loan to meet your business’ specific needs, allowing you to maximize your business’ financial return!

Capitalize On New Opportunities

As an auto repair and service business owner, one of the biggest opportunities you may pursue is the opening of an additional location, which will allow you to expand your footprint and multiply your revenue. With flexible loan options, ARF Financial can give you the best shot at capitalizing on this potential. Our loans range from $5,000 to $1 million in funding. We make applying online easy thanks to our low documentation process, and no collateral is needed. And unlike traditional bank loans, you don’t need perfect credit to get approved!

$3,000 New Client Offer

New client relationships are important to us and we want to reward you. For a limited time, through our New Client Rewards Program you can receive an Amex Gift Card up to $3,000* as soon as your loan funds. The more you borrow, the more you are rewarded!  As usual, no collateral is required for any of our business loans. Find out how much you qualify for in 5 easy steps. It’s free and won’t affect your credit.

*Receipt of the Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $25,000 within 30 days of merchant’s completed application to receive a $1,000 gift card, borrowing $50,000 to receive a $2,000 gift card or borrowing $100,000 or more to receive the $3,000 gift card. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Loan Calculator

Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Use the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

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

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

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 personal 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.

Receive an immediate quote and approval for funds in 24 to 48 hours when you apply online!

It’s free and won’t affect your credit!

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