Discover why Businesses Bank on Us!

Adding a Location
A restaurateur was in the process of looking for an additional location. He started to look for financing options a few months before he needed the extra capital. He only qualified for a $50K line of credit with his local bank, but was seeking more. Not needing the loan immediately, he locked in a line of credit with ARF Financial and was thrilled to have $150K available at his disposal to use whenever he found the right location.
Purchasing Inventory
We recently contacted one of our merchants, the owner of a large bicycle shop who needed $150K to purchase a large block of inventory, and qualify for a significant price break. The merchant was very gratified to have received the funds so quickly from ARF Financial, while not having to make his first payment for 30 days. The delayed payment option freed up additional cash flow, giving him a competitive advantage in the marketplace, and increasing his return on investment.
Better Cash Flow
ARF Financial recently worked with a large multi-unit operator who was able to save over $300,000 in annualized cash flow, by paying off a cash advance using one of our loans. The cash flow savings significantly improved his business, and now he is able to actually profit from his recent growth – and reap the rewards from his investment.
A Business Opportunity.
A large specialty restaurant struck a momentous marketing deal with a local university’s athletic department, but needed $100K within a week. Our client explained that he had to provide at least half of the money by the following Friday. His deal was funded within six days. His restaurant is now featured at all the home football and basketball games at the university. His business is now highlighted on all the home game tickets, along with coupons that students use at all three of his locations.
Acquiring New Equipment
A franchisor was requiring a franchisee to purchase new equipment within four months, in preparation for the launch of their marketing campaign for a new product. According to the franchise agreement, the franchisee had to fulfill the franchisor’s requirement expeditiously. The franchisee needed $100K to purchase the equipment for his multiple locations. With ARF Financial capital, he was able to acquire the equipment, without causing a cash flow crunch to his business. He continues to keep a line of credit open in case emergency funds are needed in the future.
An Expansion Project.
One of our merchants was searching for a large sum of capital for a remodeling and expansion project. The cash advance companies he’d contacted could not offer the total amount he needed. They would only base the advance on his credit card sales and not his total sales. We were able to offer him the full $125K with an 18 month term. Obtaining the entire loan amount he needed at a longer term allowed him to finance his project without hurting his cash flow.
Extending the Bar
One of our merchants wanted to extend his bar and cocktail area to build an entertainment venue for his guests as they waited for a table. This would allow him to add incremental revenue. Requiring $150K, the merchant took an initial loan draft of $75K with the remaining $75K available on a line of credit. This staggered the funding over a 4 month period to be used as needed. It worked out well for the merchant, and he is reaping the benefits from his investment.
Additional Cash Fast
A client, in the middle of a loan with ARF Financial, suddenly needed an additional $50K the next day. We handled the paperwork and had the money wired to him immediately. The owner shared an interesting story with us. His 12 year old son had been helping him pay bills. The owner instructed the boy to seal the envelopes and attach the stamps so that they could be mailed once they became due. Instead, his son mailed them all at once, and his business account needed $50K to cover them.
A New Patio
Having purchased a restaurant a year prior, an owner wanted to add a new patio and renovate. His bank turned him down, and every cash advance company that quoted him required that he pay back the advance within 6 – 8 months. With ARF Financial, he was able to secure a $50K loan with a one year term. This allowed him to spread the payments over a longer period and helped his cash flow significantly. His new patio and dance floor helped him fill more seats, and book weddings – which increased his sales volume.
Line of Credit
A merchant contacted ARF Financial, needing funds to remodel his current establishment. He favored our line of credit since it would allow him to take up to 5 separate loan drafts to pay the contractors in increments over the course of the remodel. The convenience of taking 4 loans of $5,000, rather than $20,000 all at once, sold the deal.
Buying Out Investors
One of our merchants used our capital to purchase the equity back from his investors. He soon realized that our funds were much more affordable than equity investors or silent partners. Plus there were far less headaches. He was able to secure almost $1,000,000 with ARF Financial, allowing him to pay off the investors and own the business outright. Once the investors were out of the picture, he eventually was able to sell the business for over $30 million.
Adding a Bar
An established down-home-goes-uptown restaurant in Indianapolis was losing business due to their long wait times. To fix this they needed to quickly add a bar area and secure a 3-way liquor license. We were able to fund a loan within a few business days of their application and set up a line of credit for them. Soon after, they were featured on Food Network’s Diners, Drive-Ins and Dives. They were told by the network that their sales could increase by as much as 300% after the show’s taping.
Fast & Flexible
After taking his second round of loans with us, a loyal merchant decided to pay off early, because he had secured a bank loan. After a short period, he returned, needing additional working capital. We were able to get him approved for a $100K loan. He shared that even though he had received at least a dozen solicitation calls weekly from common cash providers, he felt more comfortable using ARF Financial - since the process was fast, simple and he had the flexibility to pay off his loan at any time without penalties.
Paying Off a Cash Advance
A merchant had taken a cash advance with a competitor carrying a 6-month term. Due to the short time frame for repayment, it was hurting his monthly cash flow. The merchant chose to pay off his cash advance with a loan from ARF Financial, carrying a 12 month term. Extending the term, combined with our lower interest rates, allowed him to significantly reduce his monthly payments, resulting in substantial savings.
Renovations
One of our clients needed $75K for some renovations they were able to do after business hours. She was concerned about the cost of the capital. After receiving the funds, she was able to complete the renovations in less than a month. Those renovations helped her increase her sales by over $900K in one year. Needless to say, the cost of capital was no longer a concern. We are currently working on another project together.
Buying a Food Truck
We have a business owner that we’ve worked with for years, who had the potential to double her business by investing in a food truck in New York City. The purchase price for the truck was $50,000. She wasn’t concerned about what interest rate she would pay, but was highly focused on the return she would receive by taking advantage of this lucrative investment. We were able to provide her with the funds she needed.
New Wine Cooler
We received a call from one of our Referral Partners, a bank that recently declined a liquor store due to short time in business. The merchant needed $10,000 to purchase a new wine cooler. Her goal was to increase wine sales by offering chilled bottles that could be served immediately. We approved a $32,000 loan for her to purchase the new equipment. After a few months, we followed up with her and she mentioned that the new wine cooler had already paid for itself.
Earning Referral Fees
We called on a restaurant owner in San Diego. The owner’s son was the accountant for a major restaurant chain in California. He suggested that the owner of that chain work with ARF Financial, to provide the funding needed for expansion. The chain franchisee had 19 locations. To date, he has taken two loans with ARF Financial for one corporation that total $65K, and another corporation for $62K. Our initial contact benefitted with a substantial referral fee, in addition to having the satisfaction of helping a fellow entrepreneur.

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