All the Credit You Deserve and More
Higher Loan Amounts, Longer Terms, and BIG REWARDS!
We believe your business deserves more – and ARF Financial delivers. Our loan products are the most innovative you’ll find in the market boasting higher loan amounts, longer terms, interest-only options, and…BIG REWARDS. That’s right, ARF is offering CASH BACK REWARDS to new borrowers just for choosing to work with us. We want to establish long-term relationships with our clients and what better way to do it than with cash back?
New client relationships are very important to us, and should be rewarded. For a limited time, new borrowers will receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 01/31/2024.*
*Available for new clients only (out of the program 120 days or more). 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 $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 05/31/2025. 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 05/31/2025.
What Makes ARF Financial Different?
Since 2001, we have helped countless business owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Through our exclusive relationships with community banks across the country, you can obtain the funds you need quickly with limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows, keeping your cash flow stable.
Minimum Qualifications
Industry Type
We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list.
Credit Score
You don’t need perfect credit to apply for financing. We can work with applicants who have an Equifax credit score of 551 or higher.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.
Fast and Easy Way to Apply
If you are a business owner looking for working capital with better rates, longer terms and the most affordable payments, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ a team of seasoned loan consultants who live and work in your area, are knowledgeable about your specific market, and will work with you throughout the process.
Business Loan Calculator
Use our business loan calculator to calculate loan amount.
Calculate Loan Amount
| 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 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.
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 BANKROLL Revolving Line of Credit provides loan approvals up to $1 million, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility of unlimited draws and partial principal paydowns for up to a year!
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. It also comes with an optional Line of Credit with unlimited draws for up to a year!
Lines of Credit
With a Line of Credit from ARF Financial, you’ll be prepared when opportunity knocks, business conditions change or unexpected expenses pop up. Our Line of Credit gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw funds as needed and only pay for what you 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 you to defer up to 50% of your loan principal into the future, resulting in the lowest payments now!
Quick & Easy Online Application
