Working Capital Loans

Our Working Capital Loan is ideal for business owners who are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? When you feel cash is tight and your business lacks the funds necessary to keep everyday operations running smoothly, know that ARF Financial has your back. Our goal is to give your business the boost it needs to get back on track by providing quick access to the restaurant financing you need to overcome these short-term challenges while gaining momentum for long-term success!

What is a Working Capital Loan?

A working capital loan is a financial product designed to help restaurant and small business owners fund their everyday business operations. Working capital loans from ARF Financial can provide the funding your business needs without the long wait of a traditional bank or the hidden fees and payment surprises of a merchant cash advance. Our approval process is streamlined with minimal documentation, and funding can occur in a matter of days! Our loan terms are fixed so your payments won’t fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you’re looking to infuse your business with cash quickly, ARF’s working capital loans are just the thing you need!

Benefits of a Working Capital Loan

The financing we provide is a true bank loan not a merchant cash advance.

That means payments are fixed and won’t go up when credit cards sales increase.

Limited paperwork 

We provide longer repayment terms – up to 36 months.

Apply online and get approved fast with fundings in less than a week.

All our loans come with 24-hour access to a renewable line of credit.

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

There are no hard credit pulls so your credit score won’t be affected.

Less than perfect credit is not a barrier to get approved.

When choosing a 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.

Minimum Qualifications


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.


Credit Score

Even with less than perfect credit, we can get you approved for a working capital loan. An Equifax credit score of only 551 is required.


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).


Annual Sales

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

How to Apply for a Working Capital Loan

f you are a restaurant or small business owner looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.

Use of Funds

At ARF Financial, we understand the changing business landscape especially in the restaurant industry. As such, small business owners use our working capital loans for a variety of reasons. Working capital loans are ideal for those operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected.

Here are some examples of how restaurant and small business owners use the funds:

Equipment financing

Purchasing inventory

Renovations and remodels

Expansion projects

Pay for franchise obligations

Open another location

Obtain a liquor license

Operating capital for slow periods and seasonality

Add catering and take-out services

Upgrade your POS / computer system

Revamp your restaurant’s menu and bar offerings

Buy out a business partner

Start an advertising / marketing campaign

Pay your business taxes

Pay off/consolidate more expensive debt

Unexpected expenses

Use our Working Capital Loan Calculator to Calculate Loan Amount:

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 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.

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 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.

Customer Reviews

Quick & Easy Online Application

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.