Interest-Only Flex Pay Loan

Get the Lowest Possible Payment

We are excited to announce our newest, most innovative loan product that we’ve ever offered, the Interest-Only Flex Pay Loan! It’s the perfect solution to overcome the uncertainty caused by the pandemic. Many business owners have adopted a wait-and-see approach when it comes to rehiring and investing in the things to get back on track and this exciting new product can help merchants like you put your fears on the back burner and move forward.

Our new Interest-Only Flex Pay Loan allows you to borrow now with rates starting at 12% and low, interest-only payments for up to 6 months! After the interest-only period, you have the option to pay off the principal, or we’ve created the perfect safety net – a built in 52 to 78-week rollover amortization. With flexibility like this you can truly borrow with confidence! So stop waiting and get the money you need now for an expansion project, renovations or another location! You can quickly access up to $450,000 with no collateral and pay only the interest for up to 6 months. Bridging your financial gap with the lowest payments possible makes great business sense!

Pay Less When It Matters

Pay only the interest for the first 6 months and enjoy super low payments

Higher Loan Amounts

Borrow up to $450,000 on a single entity or up to $675,000 on multiple entities with no collateral required

Our Lowest Rate

Well qualified merchants can receive our lowest rate starting at 12%

The Perfect Safety Net

After the interest-only period is over, you have the option to pay us off, or we’ve built in a 52 to 78-week rollover safety net amortization

Loan Program Advantages

Loan amounts are available from $50,000 to $450,000 with no collateral required

Rates as low as 12% with up to 6 months of interest-only payments

Optional Line of Credit with 24-hour access to 3 drafts for 3 months

Built in safety net with 52 to 78-week rollover amortization

Fast approvals and fundings in as little as 3 days after completed application

Use our Interest-Only Flex Pay 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.

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