We’ve Got You Covered

You’ve got enough on your plate running your business, so leave the financial details to us! Financing is a complicated matter, and we often encounter several questions about how we help our clients succeed. Explore our most frequently asked questions below or contact our team for more information.


Corporate Office:
433 North Camden Drive, Suite 810
Beverly Hills, CA 90210

Florida Affiliate Office:
1300 Concord Terrace, Suite 310
Sunrise, FL 33323


Monday – Friday
8:00am–6:00pm Eastern




Toll Free:



Frequently Asked Questions

ARF Financial LLC is a California limited liability company and a finance lender licensed by the California Department of Business Oversight. We specialize in providing working capital for restaurants, bakeries, caterers, hotels, bars, taverns, retail establishments and many other businesses. We employ a full-time staff of financing professionals across the nation and have offices in California, Texas and Florida.

Adding a partner to your business can cost you valuable equity and could mean a loss of control. Other cash providers that receive their payback through credit card sales and/or membership programs can create negative cash flow consequences and accounting nightmares. Use ARF Financial and get the cash you need without all that hassle. What’s more, you’ll enjoy some of the most competitive rates in the industry, a simple and quick approval process, and flexible financing options. Plus, the interest is tax deductible, and we provide expert customer assistance and consulting to help you make the most of our services. To learn more about the benefits of doing business with ARF Financial, click here.

Our program provides maximum flexibility with minimal aggravation and loan amounts up to $1,000,000 per location. Choose your term starting at 6 months and extending to 36 months, with numerous terms in between with early payoff options. We have a streamlined application process, require minimal documentation, and we fund quickly – often in as little 3 to 5 days. Collateral is not required on amounts up to $725,000, and repayment never interferes with your credit card stream.

No. Many cash advance companies receive their payback by deducting up to 30% from your daily Visa® and MasterCard® sales, and they may require you to change your credit card processor. ARF Financial requires no change in your credit card processor, and does not interfere with your credit card receipts.

No. We do not require you to sign up for an unwanted marketing or rewards type program that relies on either a registered card platform or credit card transactions to receive working capital. Often, these types of programs have hidden costs involved like funding tax and tip, or they cannibalize your sales growth by simply repaying your cash advance back using your existing customer base. Why let some other company reap the benefits of your hard work? Our philosophy is simple: we offer you lower and more cost-effective rates. Cheaper, simpler, more flexible financing is what we do.

We use actual gross sales to determine your loan amount. Potential loan amounts vary from 4% to 16.5% of your total annual sales (cash and credit card sales – actual or projected) and your credit worthiness. Example: If your average monthly sales volume is $100,000 or $1,200,000 annually, your potential loan amount is $48,000 to $198,000. If sales increase over time, you may qualify for additional amounts. All loans are subject to ARF Financial’s standard underwriting criteria.

After your loan is approved, we typically wire transfer the loan proceeds directly to your business account. A traditional check can be mailed to you if you prefer. Disbursement options are available to pay vendors directly for equipment purchases. This enables you to free up cash flow for other important purchases and expenses.

Once a week we process an ACH debit from your authorized business checking account. This ACH debit remains the same over the term of your loan. You’ll know what to expect and can set your budget accordingly. We don’t require automatic renewals or continued commitments once your loan is paid, but if you choose to renew, the process is quick and easy!

Simply fill out our online application, or call us to speak with one of our trusted advisors in your community. From there, we can establish your business goals, your financing needs, and begin the lending process. You’ll be asked to fill out a simple online loan application and provide just 3 months of your most current credit card and bank statements to document sales. Once submitted, we will do the rest. Proceeds can be wired directly into your bank account. The whole process is easy and typically takes 3 to 5 business days!

Contact Our Team

Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Use our Restaurant Loan Calculator to Find Out How Much You Qualify For:

Use our Business Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

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 personal and business bankruptcy


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 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.