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:
Size Matters!
Larger Loan Amounts, Longer Terms & Big Rewards
Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG this year, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:
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 a 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!
Minimum Qualifications
Industry Type
We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.
Credit Score
We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 575 or higher.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.
How Do I Apply?
If you are a bakery or café owner looking for working capital with the longest terms and the lowest payments possible, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and no hard credit pull so your credit will not be affected. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process
Our Unique Loan Products
BANKROLL – Revolving Line of Credit
Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!
Interest-Only Flex Pay Loan
We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!
Lines of Credit
With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!
Flex Pay Loans
Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!
Quick & Easy Online Application
