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:
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.
*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.
Use our Restaurant Loan Calculator to Find Out How Much You Qualify For:
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!
Time in Business
Loan amounts may be increased with 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
TERMS AND 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 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 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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