Financing You Can Bank On

Backed by years of experience in providing financing to salons and spas, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your business profitable and on track to achieve your long-term goals. Whether you own a single small corner location or you’re the CEO of a major health resort, we can provide you access to the right loan products, and we can do it fast.

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.

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 some valuable options to put salon and spa financing to work in your business:

Open a new location

Add more client chairs or special equipment

Expand your range of services

Create a customer loyalty program or other marketing tactics

Overcome short-term cash shortfalls

The Difference is Insight

Strengthen Your Bottom Line

ARF’s unique funding solutions can help you pamper your customers  while strengthening your bottom line through growth, expansion, renovations, or the utilization of new marketing avenues. Our expertise in financing spas and salons allows us to analyze your specific business needs, risks, and opportunities, and perfectly tailor the financial solution that’s just right for your spa or salon. Update your equipment and facilities, seize an opportunity for growth, or overcome that financial hurdle that’s holding you back.

Capitalize On New Opportunities

Regardless of what your future holds, ARF Financial can help you to capitalize on new potential, even if conventional banks won’t consider it. Our programs allow you to access anywhere from $5,000 to $1 million in fundings, all without dealing with the obstacles traditional bank loans often place. We offer quick approval — often within 48 hours — a low-documentation application process, and no collateral needed for unsecured loans up to $750,000.

Our Partnerships & Offers

ARF Financial has secured exclusive relationships with banks across the country, so we can help you obtain the financing you need to keep your business moving forward and without the hassle! Unlike other lenders, we ensure your business’ profitability over time with no-cost value add-ons for our cherished clients.

Through our New Client Rewards Program you can receive a free Amex Gift Card up to $3,000* – no strings attached – as soon as your loan funds.

Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business’ creditworthiness.

*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.

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

Use our 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

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 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 immediate quote 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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