The Lending Expert for Gourmet Food Stores

At ARF Financial, we’ve engaged with thousands of gourmet food store 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 hospitality 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 gourmet food store financing to work in your business:

  • Upgrade or replace store displays
  • Expand product offerings or purchase inventory in bulk
  • Add or replace equipment
  • Expand marketing efforts

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

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

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 amount 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

Cream Of The Crop

There are many advantages to working with us for the gourmet food store financing that you need. Credit problems are rarely a barrier, and you don’t need collateral for loan amounts up to $500,000. We offer flexible terms up to 36 months, and grant approvals quickly – often within 48 hours. We do it all while providing the personalized, one-on-one customer service you deserve. And best of all, the interest you pay is tax deductible, helping you save money while helping your business reach its full potential. When you borrow and grow with ARF Financial at your side, your gourmet foods business can quickly become the cream of the crop!

A Trusted Partner

A bridge loan or line of credit can be an ideal way for you to grow your store by  upgrading your displays, adding or making repairs to your equipment or facility, increasing your product offerings, or even taking the opportunity to open a second location or move into a bigger space. When you work with ARF Financial, we will use our years of expertise and experience in the food industry to analyze your specific needs and to design a loan specifically for your individual business situation.  It’s our goal to structure your financing to maximize your cash flow and your return on investment!

Use our Restaurant Loan Calculator to Calculate Loan Amount:

Use the sliders below to indicate 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

Larger loan amounts may be available with the review of tax returns and financials. Time in business – must be operating under the same ownership and concept. Home-ownership – home must be in your name. Bankruptcy – includes personal and business. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information  if you wish to be contacted by one of our loan consultants to receive a written quote.


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

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