Apply Online. Get Approved Fast.

4 Pre-qualification Questions and 5 Easy Steps

At ARF Financial, it is our priority to get you approved for the funding you need with loan terms that make financial sense to keep your business profitable and moving forward. Just answer 4 pre-qualification questions and complete 5 simple steps to receive your fastest approval. One of our loan consultants will then contact you to review your options and customize a loan or line of credit that meets your needs, funds quickly, without all the hassles!

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 of industries.


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum 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.

A Sweetheart Deal Worth up to $5,000!

With Valentine’s Day approaching, we’re giving our new clients some extra love this month. We’re giving away $500 Amex Gift Cards for every $50,000 they draw from their line of credit. This promo maxes out at $5,000 worth of gift cards. Loans must fund on or before February 28th, 2023.*

*To qualify for this promotion, merchant must borrow $50,000 or more on or before February 17th, 2023. Each additional increment of $50,000 in cash out qualifies for another $500 gift card. Maximum gift card earnings is $5,000. Receipt of the $500 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting guidelines, merchant’s acceptance of an approved loan amount, rate, and term; and, merchant borrowing a minimum of $50,000 cash out. Promotion is only valid on loans with terms of 39 weeks or longer. This offer is not guaranteed unless the application is made by the merchant, and the merchant borrows in accordance with the guidelines provided herein. Hurry, loans must fund on or before February 17, 2023 to qualify. Line of credit draws receive a desktop underwriting to ensure the Merchant’s creditworthiness has not materially changed. The Merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. We strive to fund all qualified draw requests within 48 hours of receipt.


Complete our online application.


Receive your approval


One of our seasoned loan consultants will contact you to discuss your options.


Your funds will be wired directly into your business account.


Use the funds to grow your business and your profits.

The Right Financing When You Need It

The challenges of running a business these days can be overwhelming. That’s why we believe acquiring capital or maintaining cash flow should be one less obstacle for you to worry about! At ARF Financial, our top priority is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment.

Quick & Easy Online Application


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