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At ARF Financial, it is our priority to support restaurant and hospitality business owners who have struggled to get the funding they need or the loan terms that make financial sense to keep their businesses profitable and moving forward. Whether you are looking to take advantage of a new growth opportunity, or you’re simply looking to fill short-term cash gaps, ARF can help!    Our personal financial consultants will work closely with you to customize an unsecured business loan that meets your needs and that will fund your success!

Minimum Loan Requirements

Time in Business

To qualify for an unsecured business loan with ARF Financial, you should be in business for at least 30 days.

Business Revenue

ARF Financial requires minimum annual sales of $100,000. Loan Amounts range from $5,000 to $1,000,000 per location depending upon your total annual sales revenue (cash and credit card)

Nationwide Lending

ARF Financial has supported thousands of companies nationwide to receive the funding they need with loan terms that make financial sense.

Restaurant Experts

ARF Financial has specialized expertise in providing financing to restaurants and hospitality business owners, and many other small business retailers.


Apply Online


Receive Your Free Quote


Work With A Seasoned Loan Consultant


Deposit Your Funds


Keep the Additional Profit From Your Hard Work

Financing When You Need It

The challenges of running a restaurant or hospitality business 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.

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.

Receive an immediate quote and approval for funds in 24 to 48 hours when you apply online!

It’s quick and won’t affect your credit!

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