Financing for Hardware Stores

Independent hardware store owners have unique needs to compete with the big national chains crowding out the industry. For this reason, ARF Financial has created loan products specifically for hardware 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 hardware 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 hardware store financing to work in your business:

Open another location

Storefront improvements

Invest in new technology

Consolidate/pay off more expensive debt

Purchase inventory in bulk for discount pricing

Buy out a business partner

Operational capital for slow, seasonal periods

Pay your business taxes

When choosing the right business lender, it’s important to compare loan size 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! 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, ARF Financial has helped thousands of hardware store owners like you secure over a billion dollars in loan proceeds! The financing we provide are true bank loans not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop and supplement your cash flow during slow, seasonal periods.

Here are just a few of our loan program advantages:

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

Limited 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

It Pays To Be Prepared

Hardware 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 a loan or line of credit from $5K to $750K to use for any business situation. With a line of credit, you only pay for what you use and the interest paid is tax deductible, further lowering your cost of funds. Our financing gives you the flexibility to borrow what you need exactly when you need it.

Take Advantage of Growth Opportunities

Hardware store owners know just 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 payroll costs as your business grows. 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 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 Qualify for a Hardware Store Loan

If you own a hardware store and are looking for a a business loan or line of credit 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 Hardware Store Financing

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

Hardware Store Working Capital

Consistent access to working capital is essential to hardware store owners. This has held true for every hardware store owner we have worked with since 2001. Working capital loans help hardware stores finance their every-day business operations without the hidden fees and payment surprises of a merchant cash advance. Our working capital loans are the better choice for hardware stores having fixed terms so your payments will never fluctuate, and the interest is tax deductible further lowering your cost of funds.

Hardware Store Line of Credit

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

Hardware Store Flex Pay Loan

Flex Pay loans are perfect hardware stores because they allow you to borrow now and pay later. Simply put, you can borrow what you need now, invest in your hardware store and you won’t have to begin making payments until your project is completed! Flex Pay allows you to defer up to 50% of your loan’s principal into the future for more affordable payments now with the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need! Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Bridge Loans for Hardware Stores

Opportunities are plentiful right now for hardware 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 like 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 high returns. Small businesses like hardware store frequently see the chance for extreme growth, but are 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 Hardware Stores

These loans are notoriously difficult to get approved. And if they are approved, the underwriting process can take three to four months before a final decision is made and the loan is funded. ARF Financial can get you approved for hardware store financing in 24-48 hours, and your loan can fund in 3-5 days. If you are in the process of applying for a SBA loan and urgently need to take advantage of a business opportunity, our Bride Loan is the perfect tool 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 true bank loans with fixed terms up to 36 months, affordable payments and minimal documentation. This means funds can be available quickly without the long wait of a traditional bank loan. While a cash advance may help hardware store owners with quick cash, this alternative form of financing has a different repayment structure which is based on the store’s daily credit card receipts. This means, if your sales 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, hardware store loans from ARF Financial have fixed payments allowing you to keep the additional profit generated from your hard work!

If you own a hardware store and are looking for financing, we can help you get a business loan fast with limited paperwork. That means the repayment term is longer, rates are low, payments are fixed, and you know the loan terms ahead of time. Hardware store owners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact one of our local loan consultants or apply below to get started now.

Business Loan Calculator

Use our Loan Calculator to calculate loan amount.

Calculate Loan Amount

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

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 & 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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