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 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 single-unit restaurant financing to work in your business:

Expand or renovate your facility

Add a patio or additional seats

Seize an opportunity to grow

Replace or repair equipment

Overcome short-term financial hurdles

Expand marketing efforts

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 brand starts 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 financing solution for your individual business situation

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

Quick online approvals and funding in as little as 3 days

Higher loan amounts based your total sales (cash & credit card)

Flexible repayment terms up to 36 months

Fixed payments with no hidden costs

Discounted options to pay off early

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

$3,000 New Client Offer

New client relationships are important to us and we want to reward you. For a limited time, through our New Client Rewards Program you can receive an Amex Gift Card up to $3,000* as soon as your loan funds. The more you borrow, the more you are rewarded! As usual, no collateral is required for any of our business loans. Find out how much you qualify for in 5 easy steps. It’s free and won’t affect your credit.

*Receipt of the 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 $25,000 within 30 days of merchant’s completed application to receive a $1,000 gift card, borrowing $50,000 to receive a $2,000 gift card or borrowing $100,000 or more to receive the $3,000 gift card. 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 120 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Loan Calculator

Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Use the sliders 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!

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


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.

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

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

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