Interest-Only Flex Pay Loan


ARF Financial has long had the most aggressive interest-only product in the marketplace, our Interest-Only Flex Pay Loan. Well, we decided to make it even better. We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn’t have to. Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year! Even bettter, it also carries a Line of Credit with unlimited draws for up to a year. After the interest-only period, you have the option to pay the principal, or we’ve created the perfect safety net – a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!

Powerful Upgrades to an Already Amazing Loan Product:

The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).
Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).
The product will now carry a line of credit available for their entire interest-only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount taken.
During the line of credit period, you may take unlimited* draws of $25,000 or more up to your maximum loan approval amount.
You can even take your initial loan amount via several draws on consecutive business days to allow for ease of early payoff when funds become available. The minimum first draw is $50,000 with unlimited subsequent draws of $25,000 or more. Each IO Flex Pay Loan (or draw) will have minimum finance charges due for the entire interest-only period upon early payoff.
*To qualify a merchant must have been in business 4 years or more, with a guarantor that owns a home and has an Equifax Beacon Score of 651 or more. Merchant draw requests will receive a desktop underwriting to ensure the Merchant’s creditworthiness has not materially changed since the original Loan was initiated. The Merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days of receipt.

Pay Less When It Matters

Use our funds to complete your projects with high return on investment, pay only the interest for the first 12 months, and take advantage of the low payments!


Higher Loan Amounts

You can access loan amounts up to $500,000 if you own a single entity or up to $750,000 with multiple entities.


Our Lowest Rate

Well qualified borrowers with longer time in business, strong and consistent annual sales numbers, and good credit, can qualify for our lowest rate starting at 15%.


The Perfect Safety Net

When the interest-only period has ended, you have the option to pay off the principal, or we’ve built in the perfect safety net rollover amortization up to 2 years.

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

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 10 minutes and won’t affect your credit.

Unique Advantages of our Interest-Only Flex Pay Loan

Loan amounts are available from $50,000 to $750,000

Rates start as low as 15% with up to 1 year of low, interest-only payments
Product now carries a Line of Credit with 24-hour access to unlimited drafts (of $25K or more)
When interest-only period is completed, there’s a built in safety net rollover amortization of 18 to 24 months
After completion of application, approval to loan funding in as little as 3 business days

Customer Reviews

Business Loan Calculator

Use our Business Loan Calculator to calculate loan amount.

Calculate Loan Amount

Use the sliders below to indicate annual sales, time in business and credit score.

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Term Loan Amount
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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 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.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

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 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

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.