The #1 Lender for Restauranteurs

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 loan.

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 specialty food shop financing to work in your business:

Purchasing additional inventory

Expanding marketing efforts

Renovations and remodels

 Upgrading display equipment

The Difference is Insight

Grow Your Profits While Maximizing Cash Flow

Specialty foods are defined as being unique and having a high value. They use the best quality ingredients, and are usually made in small batches. That means it can be expensive to stock inventory or add new product lines to grow your business. Whatever kind of specialty food shop funding you need, ARF Financial provides unsecured working capital loans up to $500,000, with flexible repayment terms up to 36 months. ARF also offers a Flex Pay product that allows you to defer part of your loan’s repayment into the future, lowering your payments now to maximize your business’ cash flow.

Seize Your Next Opportunity

ARF Financial, known as the specialty food shop financing experts, can get you the funding you need when you need it to seize opportunities as they arise. Whether it’s to expand your current facility, move into a larger space or open a second location, growth is the key to ongoing success.

Unexpected Financial Hurdles

As a business owner you know that things happen, creating unexpected financial hurdles that must be overcome. If you don’t have the cash on hand to manage these unexpected occurrences don’t worry. ARF Financial has a Line of Credit product designed to provide you 24-hour access to the working capital you need, at a moment’s notice. Being prepared is smart and using ARF’s Line of Credit can give you the peace of mind many business owners simply don’t have.

Use our Restaurant Loan Calculator to Find Out How Much You Qualify For:

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!

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 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!

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