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 with no collateral needed! 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 with no collateral, ARF’s unsecured working capital loans are just the thing you need!
Benefits of a Working Capital Loan
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.
During the month of May, new clients can receive a $500 Amex Gift Card for every $50,000 they borrow up to $5,000 in gift cards. Offer ends 5/31/2023.*
*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant’s approval under ARF Financials’ standard underwriting models and policies. Merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing $50,000 or more to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 5/31/2023. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 5/31/2023.
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.
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).
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.
Use our Working Capital Loan Calculator to Calculate Loan Amount:
Use the sliders below to indicate annual sales, time in business and credit score.
Time in Business
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