Financing America’s Manufacturers

For more than two decades, ARF Financial has helped hundreds of manufacturing businesses owners across America obtain the funds needed to innovate and grow. Our innovative loan products are perfect for expansion projects, investing in new equipment and technology, purchasing raw materials, hiring additional staff and consolidating more expensive debt. Our goal is to provide industry-leading loan products that are unmatched in the industry, and employ knowledgeable loan consultants focused solely on helping manufacturers like you customize a financial solution to keep you on a path to more growth and profitability.

Superior Loan Products

We proudly offer industry-leading loan products specifically designed for manufacturing businesses like yours.

Interest-Only Revolving Line of Credit

In this economy and its supply chain challenges, your manufacturing business must be nimble and pivot quickly to stay profitable. Wouldn’t it be great to have access to a financial product flexible enough to maneuver with your changing needs? Now you do! Our Bankroll Interest-Only Revolving Line of Credit delivers approvals up to $1,000,000, a fixed repayment term up to 36 months, and LOW interest-only payments – plus the unique freedom to draws funds and paydown on your principal as often as you want for up to a year!

Revolving Line of Credit

The most important characteristic manufacturing business owners care about when it comes to financing is flexibility. Our Bankroll Revolving Line of Credit delivers that flexibility. Line approvals start at $25,000 and go up to $750,000 with no collateral requirements. An initial draw of $5,000 is all it takes to get your line established. With repayment terms up to 36 months, payments are low and keep your cash flow stable. Best of all, Bankroll gives you access to unlimited draws and principal paydowns for up to a year!

Competitive Comparison – Are We A Match?

Compare us with other cash providers who lend to manufacturing businesses. You’ll immediately realize our revolving credit lines are superior.


Minimum Qualifications

Let’s see if we’re a match for our Interest-Only Bankroll product or Our Bankroll Revolving Line of Credit.

Interest-Only Bankroll Revolving Line of Credit
4 years time in business
Minimum annual sales of $1,200,000
Credit score of 651 or higher
Home ownership
Average monthly bank balance of $5,000 or more
Bankroll Revolving Line of Credit
2 years time in business
Minimum annual sales of $200,000
Credit score of 601 or higher
No more than 2 cash advances (short-term debt)
No bankruptcies in past 5 years
Calculate a Potential Loan Amount for Your Manufacturing Business
Business Loan Calculator & Quote Request

Use our business loan calculator to determine your potential loan amount. 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. The calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Calculate Your Loan Amount

Use the sliders below to indicate your 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. Home ownership – home must be in your name. Bankruptcy – includes personal and business bankruptcy.
Request a Custom Quote
Enter your information below to request a quote. Your local loan consultant will crunch the numbers and prepare a custom quote based on your unique circumstances.
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Terms and Conditions

ARF Financial LLC is an exclusive third party originator 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.

Quick & Easy Online Application

Use our online application to get approved fast! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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