Bridge Loans

Use ARF Financial to Bridge to Traditional Financing

Bridge loans are always an option! The economy is robust. Consumer confidence is high. Opportunities are plentiful. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution.  ARF has created a series of products that provide ‘bridge loans’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources such as an SBA loan.

What Is A Bridge Loan?

A bridge loan is a type of business financing used as a short-term solution until a restaurant owner secures more permanent financing. Bridge loans help small business owners with their immediate cash flow needs such as payroll, rent etc while they wait for their long term financing to come through. Traditional bank loan financing takes a very long time to process and eventually fund. Government backed small business administration loans take even longer to process leaving small business owners who do qualify for those loans floundering while they wait. Some turn to expensive merchant cash advances which puts their cash flow at an even greater risk with high repayments.  An ARF Financial bridge loan is the perfect choice if you’re waiting on conventional financing. This type of restaurant financing is also an excellent alternative to acquiring equity partners whereby you surrender ownership (and the corresponding profits) for the life of the business.

Benefits Of A Bridge Loan

  1. Flexible terms up to 36 months
  2. Amounts available up to $750,000 per entity or up to $1,450,000 to guarantors who have multiple entities/units.
  3. Loan amounts are typically higher since they are calculated based on your total annual sales not just credit card sales.
  4. Interest rates are significantly lower than many of our competitors and there is no penalty to pay off early.
  5. Tax returns and financials are not required on amounts up to $300,000.
  6. Cash flow stabilization
  7. Fast and convenient
  8. Saves money
  9. Keeps you in control of your business
  10. A loan not a cash advance, so repayment is not tied to your daily credit card receipts.
  11. Fixed weekly payments & affordable interest rates.
  12. Same-day instant approval and funding in 48 hours.
  13. Unrivaled customer service.
  14. No hard credit pulls so your credit score won’t be affected.
  15. If approved, new customers get a $3,000 AMEX Gift Card offer for personal and or business use!*


What are Bridge Loans Used For?

At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, our small business owners use the bridge loan for a variety of business reasons. Bridge loans are ideal for those business operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected. We have seen just about every business reason why a restaurant owner will need a bridge loan. Every few years, someone will truly stump us but these are rare. If you do not see your business reason below, don’t be alarmed because we have probably already processed a loan for it and can correctly guide you through it. Below are just a few recurring reasons restaurant owners choose ARF Financial over the past few decades.

  • Equipment financing
  • Inventory financing
  • Renovations
  • Expansions
  • Buy/open a new location
  • Buy/open a franchise
  • Pay for franchise obligations
  • Liquor licenses
  • Other licenses
  • Signage
  • Adding catering services
  • Revamping restaurant menu and bar options
  • Marketing and advertising the business
  • Adding other services
  • Upgrading computer systems
  • Pay business taxes
  • Pay off expensive loans and cash advances from other companies
  • Operating capital for Slow Cash Flow Periods or Seasonality
  • Buy out a business partner

Our bridge loans can keep you on track while waiting for another financial transaction to close: selling commercial real estate, attending to another business, or adding an equity investor. Don’t let your bank slow you down. Grow your business now with ARF Financial’s Bridge Loan. It’s the perfect solution to bridge the gap, capitalize on growth opportunities, and maximize your return on investment without disrupting your cash flow!

How To Qualify For A Bridge Loan

Working capital loans, like many  types of restaurant loans, are based on different qualifying criteria. No single requirement will guarantee a bridge loan. However, restaurant owners must be prepared to produce key documents about their business and other personal data to guarantee the bridge loan.

  • Time in Business

A key criteria of a working capital loan is the number of years the restaurant has been operating. Even if your restaurant has outstanding cash flow and an excellent credit score, you still may not receive a bridge loan if the time in business falls short of the required minimum. At ARF Financial, restaurant owners need to be in business for a minimum of one to three months in order to qualify for a bridge loan. Again, we will work with your unique circumstances as much as possible up to and including balancing the desired loan amount with credit scores, cash flows, time in business etc.

  • Business Checking or Savings Accounts

When it comes to qualifying for a working capital loan, a checking account gives definitive evidence of the business’ cash flow, if your restaurant does not have one, it can create difficulty in assessing the creditworthiness for a bridge loan. Typically, we will ask to see at least three months of bank statements. This will corroborate information from your accounting documents as well provide insights into your cash flow and overall financial health of your restaurant.

  • Loan Amount

Believe it or not, the amount of the bridge loan also affects the approval process. The amount of the loan will affect the repayment options available which will, in turn, affect the amount of the weekly or monthly repayment amount. Restaurant owners with smaller, consistent cash flows may not qualify for the larger loan amounts which will require larger weekly or monthly payments.

  • Credit Score

Please note we did not list your credit score as the first or most important qualifying criteria for a bridge loan. While this all important number can make or break your loan application for a traditional bank loan, ARF Financial uses a unique mix of criteria working with your unique circumstances in order to make a final decision. We have also partnered with many bank partners to offer even more options for restaurant owners with less than perfect credit but good operating potential.

  • Annual Sales

At ARF Financial, we require businesses to bring in a minimum annual income of  of $250,000 to qualify for our restaurant loans such as the bridge loan.

  • Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt to credit ratio in order to qualify for our bridge loans. If your restaurant is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies. Your personal debt to credit ratio will also be examined as this is an avenue of opportunity if your business runs into cash flow issues.

  • Reason For The Loan

Unlike other lenders, ARF Financial does not dictate what the bridge loan is used for. We do specify that all loan proceeds are used for business purposes only. There have been a few instances where a specific loan had dictates such as when used for competitor payoffs. Many lenders will not accept third party payoffs on their loans and cash advances. As such, ARF Financial will then grant the loan proceeds to the restaurant owner and include legal language to guarantee the loan proceeds are used to pay off those competitor loans only. This guarantees the restaurant’s cash flow is not compromised by having too many loans on the books.

How To Apply For A Bridge Loan

If you are a business owner looking for a bridge loan with guaranteed rates, fixed terms and affordable payments, simply begin your online quote today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online quote is free and there are no hard credit pulls so your credit will not be affected. Get your instant online quote today! 

*Receipt of the Amex Gift Card promotion 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 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 90 days or more to qualify. ARF Financial reserves the right to terminate the offer at any time. A Licensed California Lender #603 7958 and a California Limited Liability Company. Loan approval, loan amount and interest rate are based upon applicant’s credit worthiness and ARF’s standard underwriting guidelines.

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

Business Loan Calculator

Use our loan calculator to determine your potential loan amount:

Loan amounts may be increased with the review of tax returns and financials. *Must be operating under the same ownership and concept. *2 Home must be in your name. *3 Includes personal and business bankruptcy

Build Your Loan

See how much you qualify for...

Type of business? State Time in business? Annual sales? Credit Score? Annual sales?
Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Loan amounts may be increased with the review of tax returns and financials.

$3,000 New Client Reward

We’re so confident you’ll love our Bridge loan terms we’re willing to give our new clients a free AMEX Gift Card worth up to $3,000!


Pay Less When It Matters

Defer up to 50% of your principal for more affordable payments now, and pay it back when you obtain your traditional bank financing or when your transaction closes.


Pay Weekly Not Daily

Budget confidently, take advantage of a new opportunity now with low, fixed weekly payments and no surprises.


You’re In Control

Flexible payment options allow you to pay off early, amortize your loan over time, roll your deferral into the future, or simply refinance your loan.  There’s never been more flexibility!


Borrow Now and Get Rewarded

New client relationships are important to us! For a limited time you can receive a free AMEX Gift Card up to $3,000* once your loan funds.


One-On-One Support

One of our seasoned loan consultants will personally assist you through the application, approval, and funding process. Their expert guidance will help you customize a loan to meet your specific business needs.


Access to a renewable
line of Credit with
5 separate loan drafts to use
over a 6-month period.

Up To 50%

Principal deferral option
resulting in dramatically
lower payments now.

$5K – $750K

Loan amounts
available with
no collateral required.


Loan approvals
and fundings in as little
as 3 to 5 days.

Receive an immediate quote and approval for funds in 24 to 48 hours when you apply online!

Use our Loan Calculator to find out how much you qualify for.