*To qualify, must be new merchant/new guarantor, or existing merchant who has exceeded their revolving period. The initial draw (cash out) must be at least 65% of the line’s approved amount with 4 points due at closing. The 60-day, interest-only payment holiday can be divided into two 4-week periods and utilized anytime during revolving period with a minimum notification of 2 weeks. Additional finance charges apply. Merchant may not draw or paydown during the interest-only payment period. Unlimited draws and partial principal paydowns are only available during the revolving period. This is not a guaranteed extension of credit. All draw requests will receive a desktop underwriting to ensure the merchant’s creditworthiness has not materially changed since the original loan was initiated. The merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to draw request being funded. ARF will strive to fund all qualified draw requests within 2 business days. Receipt of the Amex Gift Card is conditional based upon: Merchant’s approval under ARF’s standard underwriting guidelines; merchant’s acceptance of an approved loan amount, rate and term; with initial draw (cash out) of $150,000 or more and fund by 12/31/2024. ARF reserves the right to terminate the offer at any time.