The Lending Expert for Caterers

At ARF Financial, we’ve engaged with thousands of caterers 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 hospitality industry experts, our team of seasoned loan consultants specialize in providing the best financial guidance you deserve with the most innovative loan products in the market. What’s more, we live and work in your community and are committed to remain side-by-side with you throughout the life of your business.

Running a catering business 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 financing for caterers. This means that many owners are forced into more expensive financing options such as merchant cash advances to make ends meet.

We have a well-established track record of helping caterers financially tackle a variety growth projects or to overcome a seasonal slow down. Our focus is to provide quick access to the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment. Here are just a few examples of how our catering clients use our loans.:

Expand your menu offerings

Purchase new equipment or replace/repair old equipment

Upgrade your kitchen or move into a new one

Buy new furniture, catering supplies and serve ware

Hire additional staff to accommodate large events

Start a new marketing campaign to attract more clients

When choosing a business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

 Expansion projects, renovations, and additional locations are all big decisions that can bring big returns. But, 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.

Completing an application only takes 10 minutes and won’t affect your credit.

The Difference is Insight

Seize New Opportunities For Growth

You might have an opportunity to serve bigger clients and cater large events. You might be facing an unexpected financial challenge you need to overcome to take your business to the next level. Maybe you’re looking to improve your menu or replace or repair your equipment. Perhaps you want to expand your range of services or add more event types. Regardless of your needs, ARF Financial is here to help.

Fill Cash Gaps With Flexible Financing

ARF Financial is the company that your catering business can bank on. Whether you need fast access to an unsecured working capital loan up to $500,000 or a 24-hour available line of credit, ARF Financial has the right loan for you. With loan terms up to 36 months and flexible repayment options to help you build a strong financial foundation, we are an industry leader in financing catering businesses.

Client Rewards up to $10,000!*

For a limited time, we’re going big and rewarding our clients with up to $10,000 cash back! The more you borrow, the bigger the reward. For every $100,000 you borrow, we have a $1,000 Amex gift card just for you!*

*Receipt of the Amex Gift Card(s) promotion 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 completed application to receive a $1,000 gift card, plus another $1,000 gift card for every additional $100,000 borrowed up to a maximum of $10,000 in gift cards. This offer is not guaranteed unless application is made by merchant, and 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 promotion per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Minimum Qualifications

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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.

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Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.

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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).

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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 to Apply for a Catering Loan

If you are a caterer looking for working capital with longer terms and the lowest payments possible, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. 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

Business Loan Calculator

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!

Calculate Your Loan Amount

Use the sliders below to indicate your annual sales, time in business and credit score.
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.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

Terms and Conditions

ARF Financial LLC is an exclusive third party originator 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.

Our Unique Loan Products

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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!

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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 without collateral 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!

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Unsecured 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!

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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

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Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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