The Bakery and Café Financing Experts

At ARF Financial, we’ve engaged with thousands of bakery and cafe owners who struggle to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward. As the bakery and cafe industry experts, our team of personal financial consultants specialize in providing the trusted lending services you deserve. 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 bakery and cafe financing to work in your business:

Expanding or renovating your facility

Purchasing new equipment

Expanding menu options

Bridging seasonal or slow periods

Expand product offerings

Invest in a marketing campaign

The Difference is Insight

Consistent Cash Flow

Having a strong financial foundation with sufficient working capital on hand is essential for the health of any bakery or café.  Whether you are  developing a new menu item, expanding, replacing equipment, renovating your facilities, bridging seasonal periods or even adding staff, ARF can help! Regardless of the reasons why you need cash, ARF Financial can provide you with an unsecured business loan or line of credit tailored to meet your specific need and business situation.

Your Partner In Success

Since we have helped thousands of business owners just like you, our expertise and experience can translate into more than just providing the financing you need.  We can help you analyze your business opportunities, goals and strategies to maximize your return, performance and profitability. Our goal is to be your partner in success!

Partnerships & Offers

ARF Financial has secured exclusive relationships with banks across the country to 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 cherished 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.

Use our Restaurant Loan Calculator to Find Out How Much You Qualify For:

Business Loan Calculator

Use our loan calculator to determine your potential loan amount:

Loan amounts may be increased with the review of tax returns and financials. *Must be operating under the same ownership and concept. *2 Home must be in your name. *3 Includes personal and business bankruptcy

Build Your Loan

See how much you qualify for...

Type of business? State Time in business? Annual sales? Credit Score? Annual sales?
Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Loan amounts may be increased with the review of tax returns and financials.

Receive an immediate quote 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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