Grocery Store Financing

Independent grocery stores need capital to compete with larger established stores with brand familiarity and strong brick and mortar presence in the community. To help them compete against those big box giants crowding out the industry, ARF Financial has created financing options specifically for grocery stores to serve their markets and remain competitive. While the industry has maintained their sales throughout the pandemic, capital remains the key to overcoming short term cash shortfalls to cover inventory or seizing long term opportunities like buying a new location. Our grocery store loans and lines of credit can provide you access to the right loan products, and we can do it fast by funding your business loan in 3-5 days! When it comes to grocery store financing, our team of personal loan consultants specialize in providing the trusted lending services you need to keep your business profitable and on track to achieve your long-term goals.

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. Confidently approach wholesalers for best volume pricing for your store when you have the capital needed to make it happen.

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


Common Uses of our Grocery Store Financing

Grocery stores have fared rather well during COVID. At ARF Financial, we understand how quickly the business landscape can change. As such, grocery store business owners use our financing for a variety of reasons. Even without an immediate need they are establishing credit lines now. Being prepared is smart. Store owners know opportunities and unplanned expenses can arise quickly and having quick access to committed working capital allows them to be prepared. There are many reasons a store owner might need capital. Below are just a few:

Opening another location

Expansion projects

Storefront renovations & remodels

Purchasing inventory in bulk

Investing in new signage

Upgrade your POS system

Starting a new marketing campaign

Buy out a business partner

When choosing a business lender it’s important to compare loan amounts and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow!


*Completing an application only takes 10 minutes and won’t affect your credit.

The Difference is Insight

It Pays To Be Prepared

Grocery store owners know their big box competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and/or issues arise. ARF Financial will help you be ready for the unexpected  with our loans or line of credit from $5K to $500K to use for any business situation. With a line of credit, you only pay for what you use and it is tax deductible so you can comfortably borrow what you need exactly when you need it.

Renovate Or Remodel

Any grocery store owner knows how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed remodels or renovations. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

Minimum Qualifications


Industry Type

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


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.


Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).


Annual Sales

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

How to Apply for Grocery Store Financing

If you are a grocery store owner looking for a business loan with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process

Types of Grocery Store Financing

ARF Financial gives grocery store owners the opportunity to choose from many business financing options that best fit their business needs based on their business model, operations and cash flow constraints. With many different types of loans and lines of credit, our local loan consultants will help you determine which will meet you business needs while saving you the most money for your business

Grocery Store Working Capital

Grocery stores need consistent working capital. This has held true for every grocery store owner we have ever spoken to since 2001. Working capital loans help grocery stores finance their every day business operations with no hidden fees and no payment surprises of a merchant cash advance. Our working capital loans help grocery stores by having fixed terms so your payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Line of Credit for Grocery Stores

A line of credit is an approved loan extended to grocery stores which allows them to draw upon when the need arises. This type of grocery store financing allows grocery store owners to pull funds from their line of credit as needed and only pay interest on the money they take. grocery store owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! grocery store owners know that business conditions can change quickly. Unexpected issues arise. Windows of opportunity open.  Thousands of grocery store owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Grocery Store Flex Pay Loans

These are perfect grocery store loans because they help you borrow now and pay later. Simply put, you can borrow what you need now, renovate your grocery store now and you won’t have to make payments until you are operational again later!  It allows you to defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need now! Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Bridge Loans for Grocery Stores

Opportunities are plentiful right now for grocery stores. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution.  ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources such as an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate returns. Small businesses like grocery stores, particularly in their early phases, frequently see the chance for extreme growth, but often on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities.

SBA Loans for Grocery Stores

These loans are notoriously difficult to get approved. And if they are approved, they take three to four months of application process before a final approval is issued and the loan then funded. ARF Financial can you approved for grocery store financing in 24-48 hours and your loan can fund in 3-5 days. If you are in the process for SBA loans and urgently need to take advantage of a business opportunity, our Bride Loans are perfect to help you capitalize on growth opportunities while waiting on your SBA approval.

Merchant Cash Advance

ARF Financial is not a cash advance company. We offer real bank loans with low, fixed terms for those who qualify with the only difference being we can fund our loans much faster than a traditional bank. While cash advance help grocery store owners with quick cash, this alternative form of financing has a different loan structure which is expensive with based on the store’s daily credit card receipts. This means, if the store’s sales increases then the daily payment to the merchant cash advance company also increases escalating the interest rate while ensuring the cash advance company is paid sooner. Unlike a cash advance, grocery store financing from ARF Financial allows a business owner to keep the additional profit generated from their hard work!

If you are a grocery store owner looking for financing for your business, we can help you get a business loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our grocery store owners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact our local loan consultants or apply below to get started now.

Use our Grocery Store Loan Calculator to Find Out How Much You Qualify For:

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!

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 personal and business bankruptcy.

Terms & 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.

Quick & Easy Online Application

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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