Restaurant Funding
Funding Your Restaurant Projects Has Never Been This Easy

Line of Credit • Working Capital • Flex Pay Loan • Bridge Loan

As the restaurant industry funding experts, our team of personal financial consultants specialize in providing the trusted funding services you need to keep your restaurant profitable and on track to achieve your long-term goals. It doesn’t matter if you’re a single-unit operator, a multi-unit operator, or a nationally recognized chain, we can help you capitalize on your business’ potential with access to the right restaurant funding products, and we do it fast.

ARF Financial has a well-established track record of providing restaurant funding and a variety of financing solutions that meet your restaurant’s needs. Our focus is to get you the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment.

Running a restaurant takes much more than just culinary skills. It also takes ongoing access to funding to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to restaurant funding. This means that many owners are forced into more expensive funding options such as merchant cash advances to make ends meet.

Why is ARF Financial Different?

Since 2001, ARF Financial has funded hundreds of millions of dollars to thousands of restaurant and hospitality business owners just like you! Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction.

ARF is your best option for achieving the business growth you’ve dreamed of. Here’s how:

  • We are experts in restaurants, hospitality, and small business funding.
  • We forge deep relationships with every client and serve as their financial consultants through the funding process to answer critical borrowing questions.
  • We are not loan brokers. We cut out the middle man, keeping your costs low.
  • Minimal paperwork needed.
  • Even if you have less-than-perfect credit or a spotty financial history, we have loans you can get approval for.
  • Our relationships with banks can help you get approved for the best funding products for your needs at competitive rates.
  • Flexible fundung options mean loans and repayment agreements can be customized to your needs.

When choosing a business lender it’s important to compare loan amounts and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

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 amount 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.

10 Advantages of ARF Financial Restaurant Funding

  • Comes with a renewable Line of Credit with 24-hour availability
  • Quick approvals and fundings in as little as 3 days
  • Terms from 12 to 36 months with low weekly payments
  • Simple process and low documentation
  • Low rates, fixed payments and no hidden fees
  • Tax deductible interest and early pay off options
  • Our COVID-19 Guarantee
  • Your own personal Loan Consultant to help with anything
  • $1,000* gift card for personal use when your loan funds

ARF Financial is devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop.  Here are some valuable uses to put restaurant funding to work in your business:

Upgrading your kitchen with new equipment

Opening or expanding to a new location

Improving your inventory

Overcoming short-term cash gaps

Renovating or remodeling your existing establishment

Paying off outstanding debt

What Is Restaurant Funding?

Restaurant funding is designed specifically for owners and operators of restaurants and other hospitality companies. Restaurant funding takes into consideration the unique needs of restaurants including seasonality, business model, partnership structure and timeliness of funding for emergencies such as kitchen repairs. Our restaurant funding options are also used to retain equity or buy back equity from business partners. Some restaurant owners simply use them as bridge financing until traditional financing is completed.

For over 17 years, ARF Financial has accommodated the unique needs of the restaurant and hospitality industry, offering restaurant funding in the form of lines of creditflex pay loansbridge loans and working capital loans. Restaurant funding from ARF Financial are available from $5,000 to $500,000.

Our simple, 5-step loan application allows fast approvals and funding in 3 days. This application is free and does not impact your credit score. Our loan consulting team can also walk you through the many restaurant funding options available. Simply choose your state on the map and contact your local loan consultant for information on our restaurant loans.

Who Needs Restaurant Funding?

Restaurant funding is available to any restaurant owner who needs capital to fund projects such as equipment financing, inventory financing, building renovations, restaurant expansions, upgrading computer systems, paying off outstanding debt, buy out a business partner, liquor licenses, other licenses, pay for franchise obligations, signage, adding catering services, revamping restaurant menu and bar options, marketing and advertising, buying a new restaurant location, stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons restaurant owners choose ARF Financial first.

Smart restaurateurs are choosing our restaurant funding options because rates are low, the terms are flexible, and payments are fixed. These restaurant funding options are not tied to your credit card receipts which means you have access to a working capital cushion that is available for any business opportunity or cash flow needs.

Restaurant Funding Versus a Merchant Cash Advance

A merchant cash advance is not a restaurant funded loan. It is a form of factoring where a financial services company buys your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.

restaurant loan advantages restaurant loan chart

The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds to your business significantly.

Restaurant owners, like many small businesses, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for busy restaurant owners, a restaurant funding option is actually just as quick and cost way less in the long run. ARF Financial offers fixed, weekly payments that never change – great for budgeting and cash flow. As with most deals, the merchant cash advance depends on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.

Our restaurant funding options do not rely on a registered card platform or credit card transactions for re-payment. Therefore, you can implement any marketing program you desire to drive sales without the risk of double dipping. Don’t let other companies convert your existing customers into discount diners.

If your restaurant business is growing, don’t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful restaurateur, why undermine your business’ operating health by giving away your new increased sales? Also, unlike a merchant cash advance, the interest on our restaurant funding options are tax deductible. This effectively lowers the total cost of your restaurant funding in the long run.

A restaurant funding option with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the restaurant owner, reaps the benefits of increased sales, not the cash advance company.

No matter what the future holds, ARF Financial is your best choice for restaurant funding to capitalize on new business opportunities – often when conventional banks simply won’t consider it.

2024 Best Restaurant Funding Solutions

ARF Financial has restaurant loans and restaurant financing options designed specifically for the restaurant and hospitality industry.  Since 2001, ARF Financial has been the #1 lender for restaurant loans and financing. Take a look at the 2024 best restaurant loan options:

  1. Flex Pay Loans

    By far the most affordable restaurant financing option, giving restaurateurs the ability to defer up to 50% of their loan principal into the future in favor of getting the lowest possible loan payments now. This type of restaurant loan gives business owners the flexibility they need to quickly resolve issues, take care of renovations and repair projects, replace broken or outdated equipment, or to simply have extra cash on hand.

    Flex Pay Loans are the most affordable form of restaurant financing, allowing owners to maximize their cash flow. Restaurants, like any other small business, are presented with many growth opportunities over the life of the business. However, few can take advantage of these high ROI business opportunities because of limited capital on hand. With a Flex Pay Loan, restaurant owners can defer the loan principal until they are ready to pay it back. The repayment options are very flexible, in that, the deferred principal can be repaid in a lump sum, refinanced or the terms can be extended. The goal of Flex Pay is to provide the restaurant financing needed now to grow the business while maintaining manageable loan payments, with no disruption to cash flow.

  2. Lines of Credit

    ARF Financial has a no fee Line of Credit that allows restaurant owners to borrow the working capital they need, when they need it, and only pay for what they take. Our Line of Credit does not force borrowers to take all the capital at once. It allows them to have the cash available to take advantage of opportunities as they come or to fix problems as they arise without having to go through the financing and underwriting process all over again.

    With our line of credit, restaurant owners get 24-hour access to the line of credit and can withdraw funds as-needed and only pay the principal and interest on the amount they withdrew. ARF Financial offers lines of credit from $5000 to $500,000 with fixed weekly payments which allows business owners to confidently budget over time. With quick approval, and loan fundings in as little as 3 days, business owners have a restaurant financing option that is available 24 hours a day.

  3. Working Capital Loans

    This type of restaurant loan can help restaurant owners who are being forced to scale back their operations or cut otherwise necessary business activities because of a shortage in their cash flow. In the restaurant and hospitality industries, business owners experience seasonality often highlighted by periods of lower sales. These periods can vary in length and severity creating a cash flow headache when trying to prepare for their upcoming busy season.

    Working Capital Loans present the perfect opportunity to ride out the seasonality of any industry! The goal of a working capital loan is to provide the funds needed to ride out short-term challenges of seasonal sales thus ensuring long-term success. This type of restaurant loan carries no hidden fees and no payment surprises usually associated with merchant cash advances. With a streamlined approval process and minimal documentation required, approval can be determined quickly, and funding can occur in 3 days! The interest on a working capital loan is tax deductible which further lowers the cost of your restaurant loan.

  4. Bridge Loans

    Most business owners have never heard of a bridge loan. The name itself says exactly what it is intended to do. To help small business owners bridge the gap when they are waiting on traditional financing.

    Business owners are presented with many opportunities that can be time sensitive. However, traditional banks often have an underwriting process that may take a very long time. A bridge loan allows restaurant owners to capitalize on these growth opportunities with quick approvals maximize their return on investment opportunities. An ARF Financial bridge loan will provide the ‘gap’ financing restaurateurs need to proceed with their growth plans while working with their traditional bank for traditional funding sources like an SBA loan.


How to Qualify for a Restaurant Loan

Restaurant funding is based on several qualifying criteria. No single requirement will guarantee any type of restaurant funding. However, restaurant owners must be prepared to produce key documents about their business and other personal data to gain approval for the restaurant financing.

  • Time in Business

Time in business is a key criterion to obtaining restaurant funding. It is the number of years the restaurant has been operating. Even if your restaurant has positive cash flow and an excellent credit score, you still may not receive restaurant funding if the time in business falls short of the financial institutions required minimum. At ARF, restaurant owners need to be in business for a minimum of one month in order to qualify for restaurant funding.

  • Business Checking Accounts

When it comes to qualifying for a restaurant funding, a checking account gives definitive evidence of the business’ cash flow, if your restaurant does not have one, it can create difficulty in assessing the creditworthiness.

  • Loan Amount

Believe it or not, the funding amount also affects the approval process. The amount of the loan will affect the repayment options available which will, in turn, affect the repayment amount. Restaurant owners with smaller cash flows may not qualify for the larger loan amounts which require larger payments.

  • Credit Score

Please note we did not list your credit score as the first or most important qualifying criteria for a restaurant loan. While your personal credit can make or break your funding application, ARF Financial uses a unique mix of criteria working with your unique circumstances in order to make a final decision. We have also partnered with many banks to offer options for restaurant owners with less than perfect credit but good operating performance.

  • Annual Sales

At ARF Financial, we require businesses to generate a minimum, total annual income (cash and credit card) of $100,000 to qualify for restaurant funding.

  • Debt-to-Credit Ratio

ARF Financial, like most lenders, will also examine your debt-to-credit ratio in order to qualify for restaurant funding. If your restaurant is carrying too much debt, we often use loan proceeds to pay off higher interest competitor loans. Your personal debt-to-credit ratio will also be examined as this is an avenue of opportunity if your business runs into cash flow issues.

  • Reason for The Loan

Unlike other lenders, ARF Financial does not dictate what the restaurant funding is used for. We do specify that all funding proceeds are used for business purposes only. There have been a few instances where a specific loan had dictates such as when used for competitor payoffs. Many lenders will not accept third party payoffs on their loans and cash advances. As such, ARF Financial will then grant the loan proceeds to the restaurant owner and include legal language to guarantee the funding proceeds are used to pay off those competitor loans only. This guarantees the restaurant’s cash flow is not compromised by having too many loans on the books.

Business Funding for Restaurants

You’ve worked hard to get where you are and you’re not short on ideas to grow your restaurant. All you need is the capital that banks are reluctant to provide. Maybe you’ve considered opening a new location or renovating your existing facility. It could be purchasing new equipment or adding a patio or a bar to attract more customers. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential – often when conventional banks simply won’t consider it. You can access between $5,000 and $500,000 for your restaurant with limited paperwork.

Restaurant Funding Without the Hassle

ARF Financial has built relationships with banks around the country, so you can acquire restaurant funding quickly and with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the funding they need quickly, with manageable payments that won’t increase as revenue grows. With an ARF Financial restaurant funding option, you actually are rewarded for your success and you keep more of what you earn.

Our Restaurant Funding Options Feature

  • A Renewable Line of Credit with 24-hour availability
  • Quick approvals and fundings in as little as 3 days
  • Terms from 12 to 36 months with low weekly payments
  • Low rates, fixed payments and no hidden fees
  • Tax deductible interest and early pay off options

How to Apply for Restaurant Funding

If you are a business owner looking for restaurant funding with guaranteed rates, fixed terms and affordable payments, simply begin your online application today. We have local loan consultants who are knowledgeable about your specific market and will work side-by-side with you throughout the process. Our online application is free and there are no hard credit pulls so your credit will not be affected. Apply online today! 

Restaurant Funding That Fits Your Business

Single-Unit Restaurants

Replace or repair equipment, overcome a financial hurdle, or seize an opportunity to grow with ARF Financial.

Quick Service

Seize the next opportunity to expand your business while maximizing your return with flexible financing.

Bars & Taverns

Upgrade your space, refurbish your bar, improve your inventory, and more with our tavern financing options.


Expand your menu, hire new staff, grow your operations, or move into a bigger space with loan terms that make sense.

Bakeries & Cafes

Explore a new menu item with a lender who is uniquely poised to help your business with the funding it needs.

Specialty Food Shops

Keep your inventory unique and of the highest quality with the right funding in place at all times.

Mall Food Outlets

Hire more staff, replace your equipment, and maintain food and supply costs with flexible funding options.

Gourmet Food Stores

Take advantage of new opportunities to grow your store or increase product offerings with a trusted lending partner.

Our Unique Loan Products


BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Use our Restaurant Funding 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.


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.

Receive an offer and approval for funds in 24 to 48 hours when you apply online!

It’s quick and won’t affect your credit!