Financing You Can Bank On

With decades of experience in providing liquor store financing, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your liquor store profitable and on track to achieve your long-term goals. It doesn’t matter if you need cash to purchase or expand your inventory or are looking to capitalize on a new opportunity, we can provide you access to the right loan products, and we can do it fast.

At ARF, our focus is to get you the unsecured working 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 as they develop. Here are some valuable options to put liquor store financing to work in your business:

Purchasing additional inventory

Upgrading storage and display equipment

Improving your store security systems

Investing in website redesign or other new marketing tactics

The Difference is Insight

Purchasing Inventory During Peak Seasons

When it comes to running a liquor store, we understand the large seasonal variation in sales that business owners like you are faced with. Being prepared for seasonal fluctuations by having committed working capital allows you to flourish during all seasons. By establishing a line of credit with 24-hour availability for your business, ARF Financial can help you be ready for the unexpected.

Renovate or Expand to Offer New Products

Are you looking to renovate your existing location? Perhaps you want to offer new products to attract more business? No matter what your future holds, Flex Pay Loans from ARF Financial allow you to capitalize on your business potential now and worry about payments later. With Flex Pay you have the freedom to defer up to 50% of your loan principal into the future,  allowing you to grow now while taking advantage of low weekly payments.

Use our Restaurant 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


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 offer 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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