Financing for Specialty Food Shops

At ARF Financial, we’ve engaged with thousands of restaurant and retail business 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/hospitality industry experts, our team of seasoned loan consultants specialize in providing the trusted customer service you deserve with industry-leading loan products. 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.

At ARF, 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. Confidently approach food purveyors for the best volume pricing when you have the capital available to make it happen.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are just a few examples of how to put our specialty food shop financing to work in your business:

Remodel or redecorate your shop

Purchase inventory in bulk

Open another location

Purchase new kitchen equipment

Start a new marketing campaign

Overcome a dip in sales due to seasonality

When choosing a business lender, it’s important to compare loan size 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.:

*Completing an application only takes 10 minutes and won’t affect your credit.

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 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.

Business 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.
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Term Loan Amount
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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 individual and business bankruptcy. 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 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.

Quick & Easy Online Application

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.