COVID-Proof Financing

Introducing Our Interest-Only Flex Pay Loan

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 8% and low, interest-only payments for up to 5 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 60-week rollover amortization. With flexibility like this you can truly borrow with confidence!

COVID-19 Guarantee

If there is one thing COVID-19 has taught us, it’s to be prepared for the unexpected. We can’t foresee what things might look like in the next 5 months, so if after your interest-only term ends and business conditions aren’t optimal, you’ve got options! You can use our 90-Day, COVID-19 Guarantee to add up to 90 additional days of interest-only* payments to your loan. Now that makes our financing truly COVID-Proof!

Pay Less When It Matters

Up to 5 months of interest-only payments

Higher Loan Amounts

Loan amounts up to $450,000 with no collateral required

Our Lowest Rate

Rates starting at 8%

The Perfect Safety Net

Built in 60-week rollover amortization

Loan Program Advantages

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

Rates as low as 8% with up to 5 months of interest-only payments

Optional Line of Credit with 24-hour access to 5 drafts for 6-months

Built in safety net with 60-week rollover amortization

Fast online approvals and fundings in as little as 3 days

$2,000 AMEX Gift Card Reward

We’re so confident you’ll love our new Interest-Only Flex Pay Loan, we’re willing to give new clients a $2,000 AMEX Gift Card 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 $50,000 within 30 days of merchant’s completed application to receive a $1,000 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 30 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.



*To qualify for the 90-Day COVID-19 Guarantee, borrower must provide information to verify that it is a newly issued government mandated capacity restriction issued during the term of the loan and must submit bank statements that verify sales have been negatively impacted due to the restriction. Borrower will be granted up to 90 days (12 weeks) of reduced payments made up of only the finance charge component of the regular weekly payment with no principal component. The finance charges accruing during the reduced payment period will be added to the total finance charges due and increase the total payments due under the financing. The guarantee period may be less than 12 weeks if the mandatory government restrictions are lifted.

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