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?
We’re offering new clients a nice reward just for using Elevate Bankroll! You can receive a $500 Amex E-Gift Card for every $50,000 you take on your initial draw! Offer ends 03/31/2026.*
*To qualify, must be new guarantor or out of the program for a minimum of 120 days. Merchant will receive a $500 Amex Gift Card for every $50,000 taken on their initial draw, up to a maximum of $1,000. 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 this offer at any time.
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 575 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.
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
