Use ARF Financial to Bridge to Traditional Financing
The affects of the pandemic are starting to subside. Things are beginning to return to normal. Consumer confidence is on the rise. New opportunities are on the horizon. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have the solution. ARF Financial has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while working with your bank to secure traditional funding sources such as an SBA loan. You can access amounts up to $1,000,000 with repayment terms up to 36 months!
What is a Bridge Loan?
A Bridge Loan is a financial product that functions as a short-term amortizing loan to facilitate growth projects or investment opportunities that are expected to generate high returns. Small businesses, particularly in their early phases, are often presented with new opportunities, but often can’t take advantage of them due to a lack of capital. Owners and entrepreneurs can experience immense pressure to cover every-day operating costs while investing in projects that can take their business to the next level. When faced with this concern, it can be difficult to put business acumen and innovative ideas into action. Bridge Loans are an ideal solution to open the door to new opportunities without cannibalizing cash flow.
Larger Loan Amounts, Longer Terms & Big Rewards
Your big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG this year, we have financing that’s the perfect fit. 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 size 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.
During the month of May, new clients can receive a $500 Amex Gift Card for every $50,000 they borrow up to $5,000 in gift cards. Offer ends 5/31/2023.*
*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant’s approval under ARF Financials’ standard underwriting models and policies. Merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing $50,000 or more to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 5/31/2023. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 5/31/2023.
We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.
Even with less than perfect credit, we can get you approved for a working capital loan. An Equifax credit score of only 551 is required.
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 sales ($200,000 annually) from both credit card and cash.
How to Apply for a Bridge Loan
If you are a business owner looking for a bridge loan with guaranteed rates, fixed terms up to 36 months and affordable payments, simply complete our online application today. There are 4 pre-qualification 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
How can I use a Bridge Loan?
Before considering a Bridge Loan, note that these loans are intended for businesses with an investment objective that is expected to generate a high return. These loans are perfect to fund growth opportunities while waiting on traditional financing like an SBA loan. They are also a great option to bridge the gap while waiting on the sale or refinance of commercial real estate.
Consider your business’ unique objectives for short and long term growth. You may want to consider expected seasonal fluctuations and other possible sources of conventional funding before applying for a bridge loan.
Businesses are encouraged to consider the following questions:
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.
Use our Bridge Loan Calculator to Calculate Loan Amount:
Use the sliders below to indicate annual sales, time in business and credit score.
Time in Business
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.
Terms & Conditions
Quick & Easy Online Application
Our Unique Loan Products
BANKROLL – Revolving Line of Credit
Your business is always evolving. Wouldn’t it be great to have a financial 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 additional 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 new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!
Unsecured Lines of Credit
With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!
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!