Our Lending Process

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 seasoned loan consultants are devoted to sticking by your side for the long haul and ensuring you are capitalizing on new opportunities for your business.

Our lending process is simple, fast and low documentation. Simply complete our online application and one of our seasoned loan consultants will help you fashion the perfect loan to fit your specific needs. Here’s what to expect:


Complete our online application.
There are 4 pre-qualification questions, 5 easy steps, no hard credit pulls and only takes about 10 minutes to complete.


Receive a preliminary approval.
After your application has been completed, you will receive a confirmation with a preliminary approval.


Choose your options.
One of our seasoned loan consultants will contact you to review your approval and discuss your options.


Sign loan documents electronically.
Once underwriting has completed your file, you will be sent final loan documents to sign via DocuSign.


Receive your funds.
After your loan documents are signed, the funds will be wire transferred directly into your business checking account.

Flexible Terms That Make Financial Sense

Immediate Access to Funds

Receive fast online approvals with funds wired to your business checking account in 3 to 5 business days.

Fixed Weekly Payments

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

Defer up to 50% of Principal

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

Flexible Loan Terms

Pick the repayment term that fits your needs up to 36 months. Early payoff options are also available.


Complete our online application


Receive your approval in 24-48 hours.


Your local loan consultant will contact you to discuss your options.


We will gather any necessary paperwork and send out loan docs via DocuSign.


Your funds will be wired directly into your business checking account.

Funding Your Success

Unlike other financial services companies, we employ a team of seasoned financial consultants located in major metropolitan cities who live and work in your community and are committed to sticking by your side even after your loan funds. They will guide you through the application process, make sure you get funded, and stick with you over the life of your business. The entire lending process from application to funding, can occur in as little as 5 business days!

Get Approved Fast with Our 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.