Retail Store Financing
Retail store owners have unique needs to keep pace with the national chain competitors crowding out the industry. For this reason, ARF Financial has created customizable loan products specifically for retail stores to serve their financial needs and remain competitive. While the industry has experienced its fair share of ups and downs throughout the pandemic, quick access to capital remains key to overcoming short-term cash flow gaps or seizing long-term growth opportunities. When it comes to retail store financing, our team of professional loan consultants can provide the trusted guidance you deserve to keep your store profitable and moving forward.
Our focus is getting you the working capital you need when you need it, without the hassles and long wait of a traditional bank. Confidently approach suppliers for best volume pricing when you have the funds available to make it happen. We will stick with you for the long haul, ensuring you can capitalize on new opportunities as they develop. Here are some common ways to put our retail store financing to work in your business:
When choosing the right business lender, it’s important to compare loan amounts and repayment terms because…
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:
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 retail store 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.
The Difference is Insight
It Pays To Be Prepared
Often in retail, you may need fast access to working capital as new opportunities and/or issues arise. It always pays to be prepared as a business owner, and with an established line of credit from ARF Financial you’ll be ready for the unexpected. With our line of credit, you have complete access to loan amounts from $5K to $500K to use for any business situation. What’s more, ARF’s line of credit product will allow you to borrow only what you need, when you need it, and only pay for what you use.
Renovate Or Remodel
As a retail business owner, getting a loan might be exactly what you need to increase your business’ appearance and attractiveness. We understand that remodeling your property may seem like too heavy a financial burden to bear, but with our Flex Pay Loan you can borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.
We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list.
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 gross sales ($200,000 annually) from both credit card and cash.
How to Apply for a Retail Store Loan
If you own a retail store and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification 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
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!
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!
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!
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!
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.
Time in Business
Request a Custom Proposal
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.
Quick & Easy Online Application
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