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.

Borrow $100,000 or more and receive a $1,000 Amex Gift Card!

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.


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.