Bridge Loans

Use ARF Financial to Bridge to Traditional Financing

The economy is robust. Things are beginning to return to normal. 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 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 such as an SBA loan.

What Is A Bridge Loan?

A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate returns. Small businesses, particularly in their early phases, frequently see the chance for extreme growth, but often on the other side of a financial hurdle. Business owners and entrepreneurs experience immense pressure at the outset of their business venture to cover operating costs merely to keep the doors open.

When meeting costs is the primary concern, it can be hard to put your business acumen and innovative ideas into action with investments. For businesses in these stages of growth potential, Bridge Loans are an ideal financial solution to open the door to new opportunities.

How Can I use a Bridge Loan?

Before purchasing a Bridge Loan, you should know that these loans are intended for businesses with an investment objective that is expected to generate a high return. These loans are intended for short-term financial support. As with most amortizing loans, your initial payments will be mostly comprised of interest, while later payments will mostly go toward your principal balance.

Consider your business’ unique objectives for short and long term growth. You may want to consider expected seasonal fluctuations and other expected sources of conventional funding before applying for a bridge loan.

Businesses are encouraged to consider the following questions:

Are my financial obstacles related to an inability to take advantage of present growth or investment opportunities?

Does my strategic plan have investment opportunities built in?

What is my short-term financial outlook?

Companies without bridge loans may be operationally sound, but lack the working capital to take on new assets or other growth-driving endeavors. They may also face decisions that force them to consider drawing from current cash flows while they wait with uncertainty for conventional loan approval. In the mean time, they miss opportunities to capitalize on growth.

Is a Bridge Loan Right for my Business?

Restaurants, hotels, and retail operations often want to be up and running before conventional financing has been approved in order to start bringing in money. A Bridge Loan covers businesses during the waiting period. It allows owners to avoid further dividing up their interest in the business with a new partner and losing out on profits and control over critical business decisions in the long run.

Bridge Loans put flexibility and control in the hands of the business owner. A Bridge Loan will function as a line of credit of with access to five loan drafts over six months, meaning that you can take as much or as little of what you want of your approval limit. Your business gains the immediate security it needs up front without sacrificing growth and profits down the line.

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 application 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 application is free and there are no hard credit pulls so your credit will not be affected. Get your online offer today! 

Use our Bridge 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


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.

Let Us Reward You

We’re so confident you’ll love our Bridge loan terms we’re willing to reward you with an AMEX Gift Card up to $3,000!

*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 $100,000 within 30 days of merchant’s completed application to receive a $2,000 gift card, merchant borrowing a minimum of $50,000 within 30 days of merchant’s completed application to receive a $1,000 gift card. 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. This offer excludes funded Interest-Only Flex Pay Loans.

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