Financing for Wholesale Businesses

Wholesale companies have unique needs to compete against big box giants crowding out the industry. For this reason, ARF Financial has created loan products specifically for wholesale businesses to serve their markets and remain competitive. While the industry has managed to remain successful over the past 10 years and throughout the pandemic, capital continues to be key to overcoming short-term cash flow shortfalls or seizing long-term opportunities. Our wholesale loans and lines of credit give you fast access to the capital you need, funding your business loan in 3-5 days! When it comes to financing for wholesalers, our team of seasoned loan consultants provide the trusted financial guidance you need to keep your business profitable and on track to achieve your long-term goals.

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 vendors for best volume pricing when you have the capital needed 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.

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 our online application only takes 10 minutes and won’t affect your credit.

What Makes ARF Financial Different?

Since 2001, ARF Financial has helped thousands of wholesalers like you secure over a billion dollars in loan proceeds! Our loans are not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop and supplement your cash flow during slow, seasonal periods.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

Minimal Paperwork

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

The Difference is Insight

It Pays To Be Prepared

Wholesale business owners like you know your big box competitors are financially prepared for any eventuality, so you too need fast access to working capital as new opportunities and/or issues arise. Always be prepared with a business line of credit from ARF Financial. It gives you 24-hour access to 5 separate loan drafts over a six month period. Funds can be used as needed and you only pay for what you use.

Take Advantage of Growth Opportunities

Any wholesale business owner knows how long a traditional bank can take to process a business loan. All too often that long wait makes it difficult to keep up with inventory needs and logistics costs as your business grows. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay gives you the ability to defer up to 50% of your loan principal into the future for the lowest payments now! It’s the perfect solution to get projects completed and begin earning a positive return on investment now – without the stress to your cash flow.

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years, we’ve expanded to include many industry types. Click here to see the full list.


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 601 or higher.


Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least 2 years.


Annual Sales

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 Wholesale Financing?

If you own a wholesale business 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 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!


Lines of Credit

With a 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!

Types of Wholesale Business Financing

ARF Financial gives wholesale business owners a selection of industry-leading loan products to choose from that best fits their needs and unique circumstances. One of our seasoned loan consultants will help you determine which will be best for your specific situation while saving you the most money.

Working Capital Loan for Wholesale Businesses

Wholesalers need access to consistent working capital. This has held true for every wholesale business owner we’ve worked with since 2001. Working capital loans help finance the every day business operations with no hidden fees and without the payment fluctuations of a merchant cash advance. Our working capital loans fave fixed terms so the payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Line of Credit for Wholesale Businesses

A line of credit is an approved loan amount extended to wholesalers allowing them to draw upon when the need arises. This type of financing gives them the ability to pull funds from their line as needed and only pay interest on the money they take. Wholesale business owners receive 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Smart wholesalers know that business conditions can change quickly and having access quick access to working capital can cover unexpected expenses and fund growth opportunities as they emerge. Thousands of wholesale owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Flex Pay Loans for Wholesale Businesses

Flex Pay Loans are perfect for wholesalers because they all you to borrow now and pay later. Simply put, you can borrow what you need now to invest in opportunities for growth, and pay lower payments until your project is completed! You can defer up to 50% of the loan’s principal into the future for more affordable payments now with the flexibility to pay it back when the time is right. You get the capital you need without the stress to your cash flow. After the deferment, you have options. You can amortize the deferred principal over time, roll it into the future, or simply refinance it.

Bridge Loans for Wholesale Businesses

If your wholesale business is experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution. ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources like an SBA loan. A bridge loan is a loan product that functions as a short-term financial bridge to support projects or investments that are expected to generate high returns. Wholesalers, particularly in their early phases, frequently encounter opportunities for extreme growth, but often find themselves on the other side of a financial hurdle. Our bridge loans are an ideal solution to open the door to new opportunities.

SBA Loans for Wholesale Businesses

These loans are notoriously difficult to get approved. And if they are approved, they take three to four months before a final decision is issued and the loan is funded. ARF Financial can get you approved for financing in 24-48 hours with loan proceeds in your business account in as little as 3 days. If you are in the process of applying for an SBA loan and urgently need to take advantage of a business opportunity, our bride loan is the best option to proceed with opportunities for growth while waiting on your SBA loan.

Merchant Cash Advance

ARF Financial is not a cash advance company. The financing we provide is a true bank loan with competitive rates, longer terms, and fixed payments without the long wait. While a merchant cash advance may provide quick access to cash, it has no fixed term and repayment is often linked to your credit card sales which means payments are always fluctuating. A merchant cash advance can be extremely expensive if your sales are increasing. The higher your sales, the higher your payment and the faster the advance is paid back. Unlike a cash advance, a loan from ARF Financial has fixed terms and predictable payments that allow you to keep the additional profit generated from your hard work!

If you are a wholesale business owner looking for financing, we can get you the funds fast with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Wholesalers get the financing they need, with manageable payments that won’t increase as revenue grows. Contact one of our local loan consultants or apply below to get started 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.

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 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 in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

Latest News from Our Blog

4 Things to Consider when Expanding Your Business

4 Things to Consider when Expanding Your Hardware Store

The do-it-yourself bug has hit harder than ever with today’s consumers. A lot of us are finding plenty more time on our hands, and when you couple that with stay-at-home orders, it’s tough to ignore the small house projects that havee been piling up.

Seasonality Tips for Your Hardware Store

Seasonality Tips For Your Hardware Store

Spring is generally the hottest time of year for hardware stores, as consumers flock to stock up on gardening supplies, lawn care items, and gear to get going on those home-improvement projects that have been ignored for what seems like forever. Let us help you get ready!

Marketing Tips for Your Hardware Store

Marketing Tips for Your Hardware Store

As the slow winter months drone on, there’s no better time to take a closer look at your current hardware store marketing strategy. Could it use a tune up? Today, we’re talking marketing tips for your hardware store to take it to the next level.