The #1 Lender for Restaurateurs

At ARF Financial, we’ve engaged with thousands of restaurant owners over the years 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 financial guidance you deserve with industry-leading loan products that are designed (and can be customized) specifically for your unique circumstances. What’s more, we live and work in your community, understand your local market and are committed to assisting you throughout the life of your business.

Our focus is to get you the capital you need when you need it, while providing affordable, fixed payments to help you maximize your return on investment without sacrificing your cash flow. Here are some valuable options to put our restaurant financing to work in your business:

Expand or renovate your kitchen or dining room

Add a bar or an outdoor patio

Open another location

Add catering or take-out services

Purchase new kitchen equipment

Upgrade your POS system or invest in new technology

Buy out a business partner or pay off an investor

Supplement your cash flow during slow, seasonal periods

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

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 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.

Borrow $100,000 or more and receive a $1,000 Amex Gift Card!

For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*

*Receipt of the $1,000 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 $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. 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 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.

What Makes ARF Financial Different?

Since 2001, we have helped thousands of restaurant owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Through our exclusive relationships with community banks across the country, you can obtain the funds you need quickly with no collateral and limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows – maximizing your return on investment without sacrificing your cash flow.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

No collateral requirements on loans up to $750,000

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

The Difference is Insight

A Business Opportunity

Not all growth opportunities for a single-unit restaurant owner come easy, primarily because they don’t have access to the capital they need when they need it. Whether you’re expanding or renovating, adding a patio or additional seats, or simply seizing on a new opportunity to grow ARF can help. When the window of opportunity opens, ARF Financial’s Line of Credit is your best option! The provides 24-hour access to as much as 450K and can be approved within days, and there’s no collateral needed.

Overcome Any Financial Hurdle

Just about every successful restaurant begins as a small mom-and-pop business, and at some point requires money to update facilities, repair or replace kitchen equipment, or even hire new staff — all of which can help you realize your business’ potential. When you need unsecured working capital to overcome any financial hurdle, turn to ARF Financial because we provide:

Industry expertise to customize a financial solution for your individual business situation

One-on-one personalized support, guiding you through the application process to funding

Quick online approvals and fundings in as little as 3 days

Loan amounts from $5,000 to $750,000 with no collateral required

Fixed repayment terms from 12 to 36 months

Optional Line of credit with 24-hour access to 5 loan drafts for 6 months

Early payoff options are available

What Our Customers Are Saying

Restaurant Loan Calculator

Use our Business Loan Calculator to calculate loan amount.

Calculate Loan Amount

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

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.

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

You don’t need perfect credit to qualify. We can approve applicants with a minimum Equifax credit score of only 551.

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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 an Unsecured Restaurant Loan

If you are a restaurant owner looking for a working capital loan with guaranteed rates, fixed 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

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 loan 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 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 Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to 1 year. And, 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 an unsecured Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!

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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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