Improve Your Financial Performance

What you do best is run your business. And although it’s what you love, it’s often so chaotic you don’t have the time nor the energy to evaluate what you’re doing well and what you can improve in order to increase profits. Many restaurant and hospitality business owners get stuck in this endless cycle without having a clear strategic direction. They keep approaching things one way because that’s the way it’s always been done.

ARF Financial has a solution. We call it INSIGHT, a FREE, comprehensive review that produces valuable information about the overall health of your business. This window into your company can often expose potential high ROI opportunities or uncover credit and/or legal problems you weren’t aware of. Either way, you’ll know where your business is strong and where it could use a little help.

Turn Your Good Business into A Great One

Analyze Sales Trends

Understand when your sales trends are up, down, or flat.

Improve Cash Flow

Identify where your cash flow is positive and negative.

Personal Credit Report

Receive a complete credit history and performance report.

Tax Liens & Judgements

Discover where you have liens against your business.

A Comprehensive Review of Your Business’ Financial Performance

Why Should You Consider a Free INSIGHT Report for Your Business?

The overall health of your business matters. Understanding its strengths and weaknesses can help you make the best decisions to maximize profitability. Small adjustments can make a huge difference. Especially when you’re ready to finance opportunities for growth and want to receive the best rate and term possible.

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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.