OnRamp Interest-Only Revolver
The SBA Compliant Bridge Loan Built for What’s Next
OnRamp is ARF Financial’s new interest-only revolver, structured as a bank loan making it the ideal short-term bridge for business owners seeking long-term SBA financing. While an SBA loan is processing, OnRamp delivers fast access to flexible and affordable working capital – without triggering ineligibility due to recent SBA refinancing restrictions.
New SBA Rule, New Risk
Effective June 1st, the SBA prohibits paying off non-bank, short-term debt like Merchant Cash Advances (MCAs) unless cleared by a complex financial spread test. This means MCA debt can block or delay your SBA approval. OnRamp avoids this risk entirely. As a bank-originated product and fully SBA refinance-compliant, OnRamp gives merchants the financing they need without disruption or delay, keeping you prepared for what’s next.
SBA Compliant
OnRamp is a bank-originated loan product and is fully SBA refinance-compliant, giving you the capital and confidence you need now to move forward.
Max Approvals
OnRamp gives you access to the maximum approval of up to $1,500,000, and the required minimum draw is only 25% of their max loan approval.
Max Repayment Terms
OnRamp also gives you access to the maximum loan amortization term of up to 36 months, resulting in low, fixed weekly payments.
Unlimited Draws & Paydowns
During their 12-month revolving period, you have the freedom to take unlimited draws or make unlimited partial principal paydowns ($10,000 minimum).
Pay Off at Anytime
With OnRamp, you are in control. You can pay off their loan or make partial principal paydowns without penalties, maintenance fees or prepayment fees.
*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $500 Amex Gift Card for every $50,000 taken on their initial draw, up to a maximum of $1,000. 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 this offer at any time.
Use of Funds
At ARF Financial, we understand the changing business landscape especially in the restaurant business. As such, small business owners use our revolving line of credit for a variety of business reasons. Revolving lines of credit 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 a committed revolving line of credit allows them to be ready for the unexpected.
Here are some examples of how restaurant and small business owners use the funds:
Minimum Qualifications
Industry Type
We lend to more than just restaurants. Over the years we’ve expanded our list of approved industries. Click here to see the full list.
Credit Score
You don’t need to have perfect credit to qualify for Bankroll. Business owners with an Equifax Credit Score of 651 or higher can qualify.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least 3 years.
Annual Sales
Your business must generate a minimum of $17,000/month in sales ($200,000 annually) from both credit card and cash.
What Our Customers Are Saying
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