Unsecured Restaurant Loans and Restaurant Financing
Is Your Restaurant Business Ready to Grow?

Lines of Credit • Working Capital Loans • Flex Pay Loans • Bridge Loans
Get a $1,000 Gift Card If Your Loan Funds by the end of the month!


As the restaurant industry experts, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your restaurant profitable and on track to achieve your long-term goals. It doesn’t matter if you’re a single-unit operator, a multi-unit operator, or a nationally recognized chain, we can help you capitalize on your business’ potential with access to the right restaurant financing products, and we do it fast.

ARF Financial has a well-established track record of providing restaurant loans and a variety of financing solutions that meet your restaurant’s needs. Our focus is to get you the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment.

Running a restaurant takes much more than just culinary skills. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to restaurant loans. This means that many owners are forced into more expensive financing options such as merchant cash advances to make ends meet.

Why is ARF Financial Different?

Since 2001, ARF Financial has lent hundreds of millions of dollars to thousands of restaurant and hospitality business owners just like you! Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. Plus, merchants get a $1,000* gift card for personal use when the loan funds by December 31st, 2020.

ARF is your best option for achieving the business growth you’ve dreamed of. Here’s how:

We are experts in financing restaurant and hospitality businesses.

We forge deep relationships with every client and serve as their financial consultants through the lending process to answer critical borrowing questions.

We are not loan brokers. We cut out the middle man, keeping your costs low.

Even if you have less-than-perfect credit or a spotty financial history, we have loans you can get approval for.

Our relationships with banks can help you get approved for the best loan product for your needs at competitive rates.

Flexible financing options mean loans and repayment terms can be customized to your needs.


COVID-19 Guarantee

The biggest difference between ARF Financial and the competition is our guarantee against the uncertainty of the COVID-19 pandemic. Mandatory shutdowns, capacity limitations, and social distancing are obstacles everyone has become all too familiar with. Businesses are starting to recover, but uncertainty about the future has forced many owners to adopt a wait-and-see approach when it comes to rehiring and investing in new opportunities. Our 90-Day COVID-19 Guarantee gives you the confidence to borrow now knowing that at any point during the term of the loan, you can request a 90-day payment reduction and only pay the interest*. This guarantee combined with our Flex Pay Loan and Unsecured Line of Credit is just what you need to overcome uncertainty and invest in the things that will help you conquer COVID-19 and move down the path toward success. Get approved for up to $150,000 and receive 24-hour access to 5 loan drafts for the next 6 months, and only pay for what you borrow!

*To qualify for the 90-Day COVID-19 Guarantee, borrower must provide information to verify that it is a newly issued government mandated capacity restriction issued during the term of the loan and must submit bank statements that verify sales have been negatively impacted due to the restriction. Borrower will be granted up to 90 days (12 weeks) of reduced payments made up of only the finance charge component of the regular weekly payment with no principal component. The finance charges accruing during the reduced payment period will be added to the total finance charges due and increase the total payments due under the financing. The guarantee period may be less than 12 weeks if the mandatory government restrictions are lifted.

Advantages of ARF Financial Restaurant Loans

Comes with a renewable Line of Credit with 24-hour availability

Quick approvals and fundings in as little as 3 days

Terms from 12 to 36 months with low weekly payments

Simple process and low documentation

Free Online Offers

Low rates, fixed payments and no hidden fees

Tax deductible interest and early pay off options

No collateral required on amounts up to $500K

ARF Financial is 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 uses to put restaurant financing to work in your business:

Upgrading your kitchen with new equipment

Opening or expanding to a new location

Improving your inventory

Overcoming short-term cash gaps

Renovating or remodeling your existing establishment

Paying off outstanding debt

What is a restaurant loan?

A restaurant loan is a lending product designed specifically for owners and operators of a restaurant and other hospitality companies. A restaurant loan takes into consideration the unique needs of restaurants including seasonality, business model, partnership structure and timeliness of funding for emergencies such as kitchen repairs. Our restaurant loans are also used to retain equity or buy back equity from business partners. Some restaurant owners simply used as bridge financing until traditional financing is completed.

For over 19 years, ARF Financial has accommodated the unique needs of the restaurant and hospitality industry, offering restaurant loans in the form of lines of credit, flex pay loans, bridge loans and working capital loans. Restaurant loans from ARF Financial are available from $5,000 to $500,000.

Our simple, 5-step restaurant loan application allows quick approvals and funding in 3 days. This offer is free and does not impact your credit score. Our loan consulting team can also walk you through the many restaurant loan options available. Simply choose your state on the map and contact your local loan consultant for information on our restaurant loans.

Who Needs A Restaurant Loan?

Restaurant loans and restaurant financing are available to any restaurant owner who needs capital to fund projects such as equipment financing, inventory financing, building renovations, restaurant expansions, upgrading computer systems, paying off outstanding debt, buy out a business partner, liquor licenses, other licenses, pay for franchise obligations, signage, adding catering services, revamping restaurant menu and bar options, marketing and advertising, buying a new restaurant location, stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons restaurant owners choose ARF Financial first.

Smart restaurateurs are choosing our restaurant loans because there is no collateral required, rates are low, the terms are flexible, and payments are fixed. These restaurant loans are not tied to your credit card receipts which means you have access to a working capital cushion that is available for any business opportunity, repairs or for cash flow needs.

Restaurant Loan Versus a Merchant Cash Advance

A merchant cash advance is not a restaurant loan. It is a form of factoring where a financial services company buys your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.

restaurant loan advantages restaurant loan chart

The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds to your business significantly.

Restaurant owners, like many small businesses, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for busy restaurant owners, a restaurant loan is actually just as quick and cost way less in the long run. ARF Financial offers fixed, weekly payments that never change – great for budgeting and cash flow. As with most deals, the merchant cash advance depends on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.

Our restaurant loans do not rely on a registered card platform or credit card transactions for re-payment. Therefore, you can implement any marketing program you desire to drive sales without the risk of double dipping. Don’t let other companies convert your existing customers into discount diners.

If your restaurant business is growing, don’t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful restaurateur, why undermine your business’ operating health by giving away your new increased sales? Also, unlike a merchant cash advance, the interest on our restaurant loans are tax deductible. This effectively lowers the total cost of your restaurant loan in the long run.

An unsecured restaurant loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the restaurant owner, reaps the benefits of increased sales, not the cash advance company.

No matter what the future holds, ARF Financial is your best choice for restaurant loans and restaurant financing to capitalize on new business opportunities – often when conventional banks simply won’t consider it.

Restaurant Financing and Restaurant Loans That Fit Your Business

Single-Unit Restaurants

Replace or repair equipment, overcome a financial hurdle, or seize an opportunity to grow with ARF Financial.

Quick Service

Seize the next opportunity to expand your business while maximizing your return with flexible financing.

Bars & Taverns

Upgrade your space, refurbish your bar, improve your inventory, and more with our tavern financing options.


Expand your menu, hire new staff, grow your operations, or move into a bigger space with loan terms that make sense.

Bakeries & Cafes

Explore a new menu item with a lender who is uniquely poised to help your business with the funding it needs.

Specialty Food Shops

Keep your inventory unique and of the highest quality with the right funding in place at all times.

Mall Food Outlets

Hire more staff, replace your equipment, and maintain food and supply costs with flexible funding options.

Gourmet Food Stores

Take advantage of new opportunities to grow your store or increase product offerings with a trusted lending partner.

$2,000 AMEX Gift Card Reward

We’re so confident you’ll love our new Interest-Only Flex Pay Loan, we’re willing to give new clients a $2,000 AMEX Gift Card just for using it!* As usual, no collateral is required for any of our business loans. Find out how much you qualify for in 5 easy steps. It’s free and won’t affect your credit.

*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 $100,000 within 30 days of merchant’s completed application to receive a $2,000 gift card, merchant borrowing a minimum of $50,000 within 30 days of merchant’s completed application to receive a $1,000 gift card. Former merchants must be paid off 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. This offer excludes funded Interest-Only Flex Pay Loans.


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.

2021 Best Restaurant Financing and Restaurant Loans

ARF Financial has restaurant loans and restaurant financing options designed specifically for the restaurant and hospitality industry. For over 17 years, ARF Financial has been the #1 lender for restaurant loans and financing. Take a look at the 2021 best restaurant loan options:

Flex Pay Loans

By far the most affordable restaurant financing option, giving restaurateurs the ability to defer up to 50% of their loan principal into the future in favor of getting the lowest possible loan payments now. This type of restaurant loan gives business owners the flexibility they need to quickly resolve issues, take care of renovations and repair projects, replace broken or outdated equipment, or to simply have extra cash on hand.

Flex Pay Loans are the most affordable form of restaurant financing, allowing owners to maximize their cash flow. Restaurants, like any other small business, are presented with many growth opportunities over the life of the business. However, few can take advantage of these high ROI business opportunities because of limited capital on hand. With a Flex Pay Loan, restaurant owners can defer the loan principal until they are ready to pay it back. The repayment options are very flexible, in that, the deferred principal can be repaid in a lump sum, refinanced or the terms can be extended. The goal of Flex Pay is to provide the restaurant financing needed now to grow the business while maintaining manageable loan payments, with no disruption to cash flow.

Lines of Credit

ARF Financial has a no fee Line of Credit that allows restaurant owners to borrow the working capital they need, when they need it, and only pay for what they take. Our Line of Credit does not force borrowers to take all the capital at once. It allows them to have the cash available to take advantage of opportunities as they come or to fix problems as they arise without having to go through the financing and underwriting process all over again.

With our line of credit, restaurant owners get 24-hour access to the line of credit and can withdraw funds as-needed and only pay the principal and interest on the amount they withdrew. ARF Financial offers lines of credit from $5000 to $750,000 with fixed weekly payments which allows business owners to confidently budget over time. With instant approval, and loan fundings in as little as 3 days, business owners have a restaurant financing option that is available 24 hours a day.

Working Capital Loans

This type of restaurant loan can help restaurant owners who are being forced to scale back their operations or cut otherwise necessary business activities because of a shortage in their cash flow. In the restaurant and hospitality industries, business owners experience seasonality often highlighted by periods of lower sales. These periods can vary in length and severity creating a cash flow headache when trying to prepare for their upcoming busy season.

Working Capital Loans present the perfect opportunity to ride out the seasonality of any industry! The goal of a working capital loan is to provide the funds needed to ride out short-term challenges of seasonal sales thus ensuring long-term success. This type of restaurant loan carries no hidden fees and no payment surprises usually associated with merchant cash advances. With a streamlined approval process and minimal documentation required, approval can be determined instantly, and funding can occur in 3 days with no collateral needed! The interest on a working capital loan is tax deductible which further lowers the cost of your restaurant loan.

Bridge Loans

Most business owners have never heard of a bridge loan. The name itself says exactly what it is intended to do. To help small business owners bridge the gap when they are waiting on traditional financing.

Business owners are presented with many opportunities that can be time sensitive. However, traditional banks often have an underwriting process that may take a very long time. A bridge loan allows restaurant owners to capitalize on these growth opportunities with quick approvals maximize their return on investment opportunities. An ARF Financial bridge loan will provide the ‘gap’ financing restaurateurs need to proceed with their growth plans while working with their traditional bank for traditional funding sources like an SBA loan.

How to Qualify for a Restaurant Loan

Restaurant loans are approved based on different qualifying criteria. No single requirement will guarantee a restaurant loan. However, restaurant owners should be prepared to produce key documents about their business and other personal data to receive an approval.

  • Time in Business

A key criteria to qualify for a restaurant loan is the length of time the restaurant has been operating. At ARF Financial, restaurant owners with a minimum time in business of 1 month can qualify for a restaurant loan. Again, we will work with your unique circumstances as much as possible up to and including balancing the desired loan amount with credit scores, cash flows, and time in business.

  • Business Checking or Savings Accounts

When it comes to qualifying for a restaurant loan, a checking account gives definitive evidence of the business’ cash flow, if your restaurant does not have one, it can create difficulty in assessing the creditworthiness.

  • Credit Score

Please note we did not list credit score as the first or most important qualifying criteria for a restaurant loan. ARF Financial uses a mix of criteria working with your unique circumstances in order to make a final decision. A minimum credit score of only 551 is required. We have also partnered with many bank partners to offer even more options for restaurant owners with less than perfect credit but good operating potential.

  • Annual Sales

At ARF Financial, we require businesses to generate a minimum, total annual income (cash and credit card) of $100,000 to qualify for a restaurant loan.

  • Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt to credit ratio in order to qualify for a restaurant loan. If your restaurant is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.

Business Loans for Restaurants

You’ve worked hard to get where you are and you’re not short on ideas to grow your restaurant. All you need is the capital that banks are reluctant to provide. Maybe you’ve considered opening a new location or renovating your existing facility. It could be purchasing new equipment or adding a patio or a bar to attract more customers. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential – often when conventional banks simply won’t consider it. You can access between $5,000 and $500,000 for your restaurant without the need for collateral and with limited paperwork.

A Restaurant Loan Without the Hassle

ARF Financial has built relationships with banks around the country, so you can acquire a restaurant loan quickly without collateral and with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won’t increase as revenue grows. With an ARF Financial restaurant loan, you actually are rewarded for your success and you keep more of what you earn.

Our Restaurant Loans Feature

  • A Renewable Line of Credit with 24-hour availability
  • Quick approvals and fundings in as little as 3 days
  • No collateral required on amounts up to $500K
  • Terms from 12 to 36 months with low weekly payments
  • Low rates, fixed payments and no hidden fees
  • Tax deductible interest and early pay off options

How To Apply For A Restaurant Loan

If you are a business owner looking for a restaurant loan with guaranteed rates, fixed terms and affordable payments, simply begin your online offer today. We have local loan consultants who are knowledgeable about your specific market and will work side-by-side with you throughout the process. Our online offer is free and there are no hard credit pulls so your credit will not be affected. Get your online offer today!

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

It’s quick and won’t affect your credit!