Custom Financing for Hotels

With an established track record of providing ideal, custom financing solutions for hotels, ARF Financial is here to provide the trusted lending services you deserve. Our team of personal financial consultants specialize in providing the right loan products that make sense to keep your business profitable and moving forward. What’s more, we live and work in your community and are committed to work side-by-side with you throughout the life of your  business.

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. Here are some valuable options to put hotel financing to work in your business:

Upgrade your hotel’s rooms, furniture and fixtures

Improve the curb appeal of your facility

Add a pool, restaurant, or bar

Add a workout facility and equipment

Add conference rooms or additional meeting space

Open an additional location

Offer professional development and training for your staff

Bridge slow or seasonal periods

The Difference is Insight

Invest In Your Customer’s Satisfaction

Is your hotel optimized for your customers’ satisfaction?  Are you meeting their needs when they stay at your property?  Do they find the rooms, facilities and property top notch?  How do they rate your employees’ customer service?  Investing in your customers’ satisfaction may be the quickest way to boost your profitability, because happy guests refer other visitors – lots of them.   If you need to improve your guests’ experience then turn to ARF Financial!  We provide Working Capital Loans, Bridge Loans and Lines of Credit to ensure you have the capital you need to maximize your business’ profitability.   Whether your need is big or small, ARF Financial will customize a loan to your individual business situation.

Expand Your Offerings

Whether it’s a gorgeous swimming pool and spa, outstanding on-site restaurant, or high-quality fitness facility, these valuable add-ons can make all the difference to drive profitability and attract more business. ARF Financial is an experienced lending company that you can bank on to get you the capital you need to grow — all the way up to $1 million. Thanks to our low-documentation process, no need for collateral, and lower barriers for less-than-perfect credit, we can help you obtain all the funding you need at longer terms to allow you to finance growth projects without hurting your cash flow.

Loan Calculator

Use our Business 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


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.

Our Partnerships & Offers

ARF Financial has secured exclusive relationships with banks across the country, so we can help you obtain the financing you need to keep your business moving forward. Unlike other lenders, we go even further to ensure your business’ profitability over time with no-cost value add-ons for our clients.

Through our New Client Rewards Program you can receive a free Amex Gift Card up to $3,000* – no strings attached – after your loan funds.

BOOST is our way of giving you access to valuable products and services that can help you drive revenue and customers to your business to power future performance.

Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business’ creditworthiness.

*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.

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

Use our Loan Calculator to find out how much you qualify for.

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