The #1 Lender for Restaurateurs
At ARF Financial, we’ve engaged with thousands of restaurant 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 restaurant industry experts, our team of seasoned loan consultants specialize in providing the trusted lending services you deserve and the most innovative products in the insustry. What’s more, we live and work in your community, understand the local market and are committed to assisting you throughout the life of your business.
Running a restaurant 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 restaurant loans. 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 restaurant owners 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 clients use our restaurant loans.:
When choosing the right business lender, it’s important to compare loan amounts and repayment terms because…
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:
*Completing an application only takes 10 minutes and won’t affect your credit.
The Difference is Insight
Opening Another Location
Few restaurant owners have enough cash reserves on hand to open a new location with minimal risk and enough liquidity to cover unexpected opening costs. Through our flexible loan options, we can help you open that additional location without the typical hassle or worries, giving you the franchise financing you need to grow your multi-location business. With options available requiring no collateral up to $750,000 and flexible repayment options up to 36 months, ARF is the ideal choice to fund your expansion.
Meet Franchisor Demands
As a franchisee, you will be required throughout the life of your business to fulfill franchisor requirements – often with very little lead time. These requirements can range from upgrading your location to purchasing new equipment, and more. A flexible Line of Credit from ARF Financial can help you meet these demands without causing a cash flow shortage. We’ll get you the funds you need quickly and with no collateral requirements!
New client relationships are very important to us, and should be rewarded. For a limited time, new borrowers will receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 10/31/2023.*
*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant’s approval under ARF Financials’ standard underwriting models and policies. Merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 10/31/2023. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 10/31/2023.
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.
We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 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).
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 Restaurant Loan
If you are a restaurant owner looking for working capital with higher loan amount, longer terms, and affordable payments, 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
Restaurant Loan Calculator
Use our Restaurant Loan Calculator to determine loan amount.
Calculate Loan Amount
Time in Business
Request a Custom Proposal
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 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
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 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!
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!
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!