Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!
Defer Up to 50% of Your Loan Principal for the Lowest Payment Now
Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds they need. Flex Pay solves that problem. ARF Financial’s Flex Pay Loan allows you to defer up to 50% of your loan principal into the future, resulting in dramatically lower loan payments now! Things like renovations, remodels, additional locations, equipment purchases, and partner buyouts are not out of reach. Not any more! Our Flex Pay Loan is the perfect solution to fund your project, get it completed and begin earning a positive return on your investment now – without the need for collateral and without the stress to your cash flow! Flex Pay also has a unique early pay off option designed to minimize your interest costs. Couple this flexibility with our 6-month Line of Credit and the Flex Pay solution becomes even more powerful!
Size Matters!
Larger Loan Amounts, Longer Terms & Big Rewards
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.:
Completing an application only takes ten minutes and won’t affect your credit.
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 give you the ability 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 assist you from application to funding. With their expert guidance you can customize a loan to match your needs.
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.
Minimum Qualifications
Industry Type
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.
Credit Score
We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.
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).
Annual Sales
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 Flex Pay Loan
If you are a business owner looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and no hard credit pulls so your credit will not be affected. Click here to get started. We also employ a team of 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
Flex Pay Advantages
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!
Business 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!
Calculate Your Loan Amount
Use the sliders below to indicate your annual sales, time in business and credit score.
| Term | Loan Amount |
|---|---|
| 12 month | |
| 18 month | |
| 24 month | |
| 36 month |
Request a Custom Proposal
Terms and Conditions
ARF Financial LLC is an exclusive third party originator 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.
Quick & Easy Online Application
