All the Credit You Deserve and More

Higher Loan Amounts, Longer Terms, and BIG REWARDS!

Your business deserves more – and ARF Financial delivers. We have some of the most innovative loan products in the market boasting higher loan amounts, longer terms, interest-only options, and…BIG REWARDS. That’s right, along with helping your business fund opportunities for growth, or supplement cash flow through a slow seasonal period, ARF offers you CASH BACK REWARDS 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?

ATTENTION NEW CUSTOMERS

New Client Offer!

$1,000 New Client Reward

For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*

*Receipt of the $1,000 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.

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 without collateral and 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.

Here Are Just a Few of our Loan Program Advantages:

Access loan amounts from $5,000 to $1,000,000

No collateral requirements on loans up to $750,000

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

Minimum Qualifications

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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.

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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.

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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).

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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

Use the sliders below to indicate annual sales, time in business and credit score.
Annual Sales
Time in Business
FICO Score
Please select an option
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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. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information  if you wish to be contacted by one of our loan consultants to receive a written quote.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

Terms and Conditions

ARF Financial LLC is an exclusive third party originator 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.

Our Unique Loan Products

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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 Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!

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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 without collateral and low, interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!

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Unsecured Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!

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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 your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Quick & Easy Online Application

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Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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