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.


Borrow Now and
Get Rewarded

New client relationships are very important to us. After you loan funds we want to reward you with a free AMEX Gift Card up to $3,000!*



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!

$3,000 New Client Reward

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

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

Use our Restaurant 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.

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

It’s free and won’t affect your credit!