Business Line of Credit

Only Pay for What You Borrow

You’ve got big plans to grow your business, but all you’re missing is the capital to make it happen. Whether it’s an expansion project, renovations, some new equipment, or another location, ARF Financial has your back. Our Line of Credit quickly puts up to $750,000 at your fingertips – collateral free. Use the funds as needed and only pay for what you borrow. The initial line can be approved in 24 to 48 hours, with 24-hour access to 5 separate loan drafts over the next 6 months.

Even without an immediate need, business owners are establishing lines of credit now. Being prepared is smart. Business owners know opportunities and/or issues can arise quickly and having committed working capital at the ready allows them to be prepared for the unexpected!

What is a Business Line of Credit?

A line of credit is an approved amount of committed working capital 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!

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.

Borrow $100,000 or more and receive a $1,000 Amex Gift Card!

For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*

*Receipt of the $1,000 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 $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. 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 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.

Line of Credit Advantages

Loan amounts are available from $5,000 to $750,000 with no collateral required with repayment terms up to 36 months.

Lock in your best rate for the next 6 months with a minimum first draft of only $10,000.

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.

Quick online approvals and fundings in less than a week. Line drafts are normally processed in 24 hours.

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.

The interest you pay is tax deductible, further lowering your cost of funds, and early payoff options are available.

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Fast & Convenient

Each line of credit draft you take has it’s own fixed weekly payment, allowing you to confidently budget as you access your funds over time.

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Low, Fixed Payments

Get approved for an ARF Line of Credit and enjoy 24-hour access to loan amounts from $5,000 to $750,000. It’s quick, easy and low doc.

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Unsecured Terms

Being prepared has never been easier with no need for collateral, minimum bank balances or typical mandatory annual paydown requirements.

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Keeps You in Control

With our Line of Credit you’re in charge! Take one draft or all five. Consolidate your payments into one, refinance and up your availability, or extend the line after six months.

Common Uses for our Line of Credit

At ARF Financial, we understand how quickly the business landscape can change, especially for the restaurant industry. As such, our line of credit can be a powerful tool for restaurant and small business owners to finance a wide variety of growth opportunities and/or unexpected expenses. Having access to committed working capital allows them to be ready for anything. There are many reasons a restaurateur or small business owner might need a line of credit, here are just a few.:

Purchase new equipment

Stock up on inventory

Expansion projects

Renovations and remodels

Opening another location

Paying for franchise obligations

Obtaining a liquor license

Buying out a business partner

Adding take-out and catering services

Adding an outdoor patio

Upgrading your POS system

Paying your business taxes

Cash flow stabilization or seasonality

Paying off/consolidating more expensive debt

How To Apply For A Business Line of Credit

If you’re a restaurant or small business owner looking for a line of credit with low rates, fixed terms, affordable payments, and no collateral requirements, simply complete our online application today. The application is simple, has 4 prequalification questions, 5 easy steps and no hard credit pulls so your credit won’t be affected. We also employ a team of seasoned loan consultants in major metropolitan cities across the nation who are knowledgeable about your specific market and will work with you throughout the process.

Customer Reviews

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Minimum Qualifications

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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.

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Credit Score

Even with less than perfect credit, we can get you approved for an unsecured line of credit. An Equifax credit score of only 551 is required.

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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).

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Annual Sales

Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.

Line of Credit Loan Calculator

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

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. 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

Terms & 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 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.

Our Unique Loan Products

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BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!

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Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!

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Unsecured Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!

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Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Quick & Easy Online Application

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

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