Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!

Are you looking to renovate or remodel? Planning to purchase new equipment or add an outdoor patio? Maybe you’re considering opening another location or purchasing an existing franchise? Our Flex Pay Loan is the perfect solution to fund your business growth, and the best part is, it maximizes your cash flow while providing you the capital you need now!

Pay Less When It Matters

Defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right.

Pay Weekly, Not Daily

Budget confidently, increase your cash balances, and avoid surprises with low, fixed weekly payments that are not tied to your daily credit card receipts.

Pay on Your Terms

Flexible repayment options allow you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

One-on-One Support

A seasoned loan consultant will personally assist you through the application, approval, and funding process. Their expert guidance will help you customize a loan that meets your specific business needs.

The Benefits of Flex Pay

A Flex Pay Loan from ARF Financial gives you the ability to defer up to 50% of the loan principal into the future for the lowest possible payments now. This unique flexibility keeps you in control and provides the lowest cost of money while maximizing your cash flow. You can seize high ROI growth opportunities now and defer the principal until you are ready to pay. Our repayment options are so flexible that you can pay back the deferred principal in a lump sum, refinance it, or extend your terms to keep your payments at the same low amount! Our focus with Flex Pay is simple: provide the financing you need to grow, with the loan terms that make sense, and keep your business moving forward and cash rich! That’s flexible financing made easy!

Loan Program Advantages

24-hour access to a renewable Line of Credit to use over a 6-month period

Defer up to 50% of your loan’s principal for dramatically lower payments now

Loan amounts are available from $5,000 to $750,000 with no collateral required

Instant online approvals and fundings in as little as 3 days

$3,000 New Client Reward

We’re so confident you’ll love our Flex Pay loan terms, we’re willing to give new clients an AMEX Gift Card up to $3,000* just for using it!*

*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.

Loan Calculator

Use our Business 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.

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