There’s Never an Obligation to Borrow

At ARF Financial, we service more than just business loans, we see ourselves as true business partners with our clients. It’s our job to understand your business goals, your financing needs, and then customize a loan to meet those needs, especially one that maximizes your return on investment. Our team of personal financial consultants are devoted to sticking by your side for the long haul and ensuring you are capitalizing on new opportunities for your business.  And, when you apply ARF Financial will provide you with a comprehensive business check-up report called Insight for FREE!

Flexible Terms that make Financial Sense

Immediate Access to Funds

Receive quick online Approvals with fundings with funds in your checking account 3 to 5 days.

Fixed Weekly Payments

Avoid surprises with clear loan terms and fixed payments that aren’t tied to credit card receipts.

Defer up to 50% of Principal

Option to defer up to 50% of the loan principal resulting in dramatically lower payments now.

Flexible Loan Terms

Amortize your deferred principal over time, roll it into the future, or refinance your loan at any time. And, early payoff options are available.


Receive a renewable line of credit with 24-hour availability.


Access funds when you need it, only paying interest on what you borrow.


Receive your free personalized business INSIGHT REPORT when you apply.


Explore strategic business relationships.


Reap the profits of your hard work.

Funding Your Success

Unlike other financial services companies, our team of personal financial consultants live and work in your community and are committed to sticking by your side even long after your loan funds. We will guide you through the application process, make sure you get funded, and stick with you over the life of your business.

Loan Calculator

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders 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

Quote Request

Enter your information below to receive your loan amount, payment and term options.

Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.


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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