Business Line of Credit

You’ve Got Options

Lines of credit are perfect for when business conditions change. Unexpected issues arise. Windows of opportunity open.  Are you prepared to deal with these occurrences? Thousands of business owners have learned that with a business line of credit from ARF Financial, they are.  Formerly Advance Restaurant Finance, ARF Financial is the #1 lender for restaurant loans and restaurant financing for over 19 years. As the restaurant financing experts, we understand the unique needs of restaurant owners and the daily challenges they face.

What is a Line of Credit?

A line of credit is an approved loan extended to restaurant and small business owners allowing them to draw upon when the need arises. This type of restaurant financing allows merchants to pull funds from their line as needed and only pay interest on the money they take. Restaurant owners have 24-hour access to 5 separate loan drafts over a 6 month period. You can even request funds online!

Benefits Of A Line of Credit

Use the funds as needed and make low, fixed weekly payments. Our line of credit is a business loan not a cash advance, so repayment is not tied to your daily credit card receipts.

Combine our Business Line of Credit with our Flex Pay Loan and you can defer up to 50% of the principal into the future for more affordable payments now, and pay it back when the time is right.

You can lock in your rate for the next 6 months with a minimum first draw of only $25,000.

Instant online approvals and funding in as little as 3 days.

Loan amounts are available from $5,000 to $750,000 with no collateral required.

The interest you pay is tax deductible, further lowering your cost of funds.

Early payoff options are available

What Are Lines of Credit Loans Used For?

At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, our small business owners use the line of credit for a variety of business reasons. Even without an immediate need, restaurant owners are establishing lines of credit now. Being prepared is smart. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected. There are many reasons a restaurant owner might need a working capital loan. Below are just a few of the typical ways restaurant owners use the funds.:

Equipment financing

Inventory financing

Expansion projects

Renovations & Remodels

Opening another location

Pay for franchise obligations

Liquor licenses

Buy out a business partner

Adding catering services

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