Business Line of Credit

Unlock Your Business’s Potential

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 cashflow stabilization, ARF Financial has your back. Our Line of Credit quickly puts up to $500,000 at your fingertips – collateral free. Use the funds as needed and only pay for what you borrow. The initial line can be approved in 48 hours, with 24-hour access to 5 separate loan drafts after that!

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 allows them to be ready for the unexpected!

What is a Business 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!

Why is ARF Financial Different?

COVID-19 Guarantee

Our 90-Day COVID-19 Guarantee Allows You to Borrow With Confidence

The biggest difference between ARF Financial and the competition is our guarantee against the uncertainty caused by COVID-19. Mandatory shutdowns, capacity limitations, and social distancing are obstacles everyone has become all too familiar with. Businesses are starting to recover, but uncertainty about the future has forced many owners to adopt a wait-and-see approach when it comes to rehiring and investing in new opportunities. Our 90-Day COVID-19 Guarantee gives you the confidence to borrow now knowing that at any point during the term of the loan, you can request a 90-day payment reduction and only pay the interest*. This guarantee combined with our Flex Pay Loan and Unsecured Line of Credit is just what you need to overcome uncertainty and invest in the things that will help you conquer COVID-19 and move down the path toward success. Get approved for up to $500,000 and receive 24-hour access to 5 loan drafts for the next 6 months, and only pay for what you borrow!

*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.

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 $10,000.

Quick online approvals and funding in as little as 5 business days.

Loan amounts are available from $5,000 to $500,000 with no collateral required.

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

Early payoff options are available

Fast & Convenient

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

Low, Fixed Payments

Get approved for an ARF Line of Credit and enjoy 24-hour access to loan amounts from $5,000 to $500,000. It’s quick, easy and low doc.

Unsecured Terms

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

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.

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

Paying for franchise obligations

Obtaining liquor licenses

Buying out a business partner

Adding catering services

Revamping restaurant and bar menus

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 are a business owner looking for a line of credit with guaranteed rates, fixed terms and affordable payments, simply begin your online quote today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online quote is free and there are no hard credit pulls so your credit will not be affected.

Trustpilot Reviews

Let Us Reward You

We’re so confident you’ll love our no fee Line of Credit, we’re willing to reward you with a free AMEX Gift Card up to $2,000* 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 $100,000 within 30 days of merchant’s completed application to receive a $2,000 gift card, merchant borrowing a minimum of $50,000 within 30 days of merchant’s completed application to receive a $1,000 gift card. 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. This offer excludes funded Interest-Only Flex Pay Loans.

Use our Line of Credit 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

Request a Custom Proposal


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.

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.