Your Clients Can Enjoy
More Cheer With Less Financial Fear
Larger Loan Amounts, Lower Payments, Stronger Holiday Season!
The holidays represent the most profitable time of the year for many merchants. For this reason, we created a bridge opportunity for merchants to get larger loans with smarter payments to maximize profitability for the 2024 holidays.
Max Approvals
Holiday Bankroll gives your clients access to the maximum approval of up to $1,500,000, and they can take a minimum of 65% of their max loan approval amount.
Max Repayment Terms
Bankroll also gives your clients access to the maximum loan amortization term of up to 36 months, resulting in low, fixed weekly payments.
Unlimited Draws & Paydowns
During their revolving period, your clients have the freedom to take unlimited draws or make unlimited partial principal paydowns.
Line Availability
Every regular loan payment your clients make or partial principal paydown frees up the available funds your clients can access on their line of credit.
Pay Off Anytime
With Bankroll, your clients are in control. They can pay off their loan or make partial principal paydowns without penalties, maintenance fees or prepayment fees.
New and existing client relationships are very important to us, and should be rewarded. For a limited time, new and existing borrowers will receive a $1,000 Amex Gift Card for every $150,000 they borrow. Offer ends 12/31/2024.*
*Holiday Bankroll is available for funded loans through December 31, 2024 for new merchants and existing merchants at or past their revolving period end date. 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 a minimum of $150,000 to receive a $1,000 Amex gift card when they fund before 12/31/2024. 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 01/31/2024.
Larger Loan Amounts, Longer Terms & Big Rewards
The holidays usually mean big upfront investments, something your clients can’t get from a merchant cash advance. If they are ready to take the plunge and go BIG this year, we have financing that’s the perfect fit. Your clients can now borrow up to $1,500,000 with terms up to 36 months to fund their big holiday push while keeping their 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 your clients can invest in growth opportunities that will make a significant impact to their bottom line, and longer terms mean their 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 client’s credit.
What is a Revolving Line of Credit?
A Revolving line of credit is very similar to a credit card. The lending institution grants your client a maximum credit limit, which they can access for business purposes at any time during the revolving period up to one year. The revolving period represents how long the LOC will be available until a full re-underwriting is required. A minimum $5,000 loan balance is required at all times to keep the revolving period open. During the revolving period, you may take unlimited draws or make partial principal paydowns of $5,000 or more. Every weekly payment and partial principal paydown frees up your client’s line’s available funds.
Unlike a credit card, there is a fixed weekly payment, based on the original term chosen during the approval (up to 36 months). When payments are made on the revolving credit line, those funds become available to access again. The credit limit may be used repeatedly as long as your client does not exceed the maximum. Many small business owners and corporations use revolving lines of credit to finance expansion projects, additional locations, new equipment, partner buyouts or as a safeguard in the event of cash flow problems.
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
Your clients 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 client’s 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 our Holiday BANKROLL Revolving Line of Credit
If your client is a business owner looking for a revolving line of credit with guaranteed rates, fixed terms and affordable payments, simply have them complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so their credit will not be affected. They can click here to get started. We also employ seasoned loan consultants who live and work in all areas, who are knowledgeable about each specific market and will work side-by-side with you and your client throughout the process.
Business Loan Calculator
Use our Business Loan Calculator to determine the potential loan amount your client may qualify for. Move the sliders below to indicate their business’s annual sales, time in business, their credit score, whether they own a home, and if they have declared bankruptcy, and the calculator will serve up their potential loan amount based on 12, 18, 24 and 36-month terms!
Calculate Loan Amount
Use the sliders below to indicate annual sales, time in business and credit score.
| Term | Loan Amount |
|---|---|
| 12 month | |
| 18 month | |
| 24 month | |
| 36 month |
Request a Custom Proposal
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.
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