Grocery Store Financing

Independent grocery stores need capital to compete with the large national chains with brand familiarity and strong brick and mortar presence. For this reason, ARF Financial has created loan products specifically for grocery stores to serve their financial needs and remain competitive. While the industry has continued to be successful throughout the pandemic, quick access to capital remains key to overcoming short-term cash flow gaps or seizing long-term growth opportunities. When it comes to grocery store financing, our team of professional loan consultants can provide the trusted guidance you deserve to keep your store profitable.

Our focus is getting you the working capital you need when you need it, without the hassles and long wait of a traditional bank. Confidently approach suppliers for best volume pricing when you have the funds available to make it happen. We will stick with you for the long haul, ensuring you can capitalize on new opportunities as they develop. Here are some common ways to put our grocery store financing to work in your business:

Opening another location

Expand your store or move into a larger space

Storefront renovations and remodels

Purchasing inventory in bulk for discounted pricing

Invest in new equipment and technology

Upgrade your POS system

Starting a loyalty program or a new marketing campaign

Buy out a business partner or pay off an investor

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

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG, we have financing that’s the perfect fit. 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 size 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! Check out the comparison below:

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

What Makes ARF Financial Different?

Since 2001, we have helped thousands of grocery store owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Through our exclusive relationships with community banks across the country, you can obtain the funds you need quickly with limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows – maximizing your return on investment without sacrificing your cash flow.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

Minimal Paperwork

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

The Difference is Insight

It Pays To Be Prepared

Grocery store owners know their big chain 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 stay ready for the unexpected with a line of credit from $5K to $500K to use for any business situation. With our line of credit, you receive 24-hour access to 5 separate loan drafts over a 6-month period. You’ll enjoy the freedom to draw funds as needed, paying interest only on the money you use.

Take Advantage of Growth Opportunities

If you own a grocery store you’re probably familiar with how long a traditional bank can take to process a business loan. All too often that long wait makes it difficult to keep up with inventory needs and logistics costs as your business grows. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay gives you the ability to defer up to 50% of your loan principal into the future for the lowest payments now! It’s the perfect solution to get projects completed and begin earning a positive return on investment now without the stress to your cash flow.

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.


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

Our Unique Loan Products


Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

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 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.

Business Loan Calculator

Use our business loan calculator to calculate loan amount.

Calculate Loan Amount

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

Annual Sales
Time in Business
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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.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

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.

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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