Make the Best Choice for Your Bottom Line

A merchant cash advance (MCA) is an alternative form of financing where the cash provider purchases a fixed amount of a merchant’s future credit card sales volume, typically at a significant discount up to 50%. The MCA is paid back from a percentage of the merchant’s daily credit card receipts, which means that the business’ payments go up as its sales and profits do. In other words, the more successful a business owner is, the faster the cash advance provider gets paid back, escalating the business’ effective interest rate to astronomical heights. As shown in the diagrams below, an unsecured business loan from ARF Financial, with fixed terms, allows a business owner to keep the additional profit generated from their hard work!

Why an Unsecured Business Loan Works

restaurant loan chart

Why a Cash Advance Doesn’t Work

restaurant loan advantages

Why an Unsecured Business Loan from ARF Financial Works Best


ARF Financial’s loan terms are transparent and are spelled out in detail on the first page of the Loan Agreement. With an MCA, the agreement fails to identify the cost of borrowing the money, the term of the payback and the amount of the daily, weekly or monthly payment.  And, the payments are variable – meaning they can go up materially if your business investment pays off and your sales grow!  Do you want to enter into a financing agreement without knowing and understanding these critical terms?

Line of Credit

Business owners only want to borrow money when they need it. And, why pay interest before you need to?  ARF Financial offers Lines of Credit to its clients for those simple reasons. In addition, ARF offers other flexible repayment options like principal deferment to keep your costs low. Cash Advance providers don’t offer typical bank features like this, because their product is not a loan.

Ability to Pay Off Early

ARF’s unsecured business loans can be paid off early and business owners only pay interest for the time they keep the money. Not so with a Merchant Cash Advance.  Business owners with an MCA are forced to pay off the entire balance (with no discount) even if repaid one week after it is taken.

Cash Flow

ARF Financial’s unsecured business loans provide 12- to 36-month terms, far longer than the typical 6 to 9-month terms given by MCA providers. Longer terms yield lower payments and materially improved cash flow.

Higher Loan Amounts

ARF Financial provides some of the highest loan amounts in the industry, up to 22% of a merchant’s total annual sales (cash plus credit card sales).   Merchant cash advances are typically based upon a merchant’s credit card sales alone or one month of total sales, providing materially lower cash out amounts for borrowers.

Professional Support

ARF Financial employs seasoned financial consultants to provide one-on-one support through the application and funding process. They live and work in the communities they serve, providing clients with local market knowledge and critical financial guidance over the life of their business.

Tax Benefits

The interest paid on an ARF Financial unsecured business loan is an ordinary business expense and is tax deductible. Merchant Cash Advances represent future sales sold at a discount and have no clear tax benefit to the business owner.

Quick & Easy

Unsecured business loans from ARF Financial can be approved within 24 to 48 hours. An ARF Financial unsecured loan just as a Merchant Cash Advance can be funded within 3 to 5 days.

Trust & Credibility

Trust and credibility are built over time, and business owners agree they look for lenders with a at least 10 years of experience and a proven track record. Since 2001, ARF has helped over 6,500 clients obtain approvals on more than 15,000 loans with proceeds in excess of $890,000,000.  ARF is licensed by the State of California and partners with state chartered community banks nationwide.

$3,000 New Client Reward

We’re so confident you’ll love our flexible loan terms we’re willing to give our new clients a free AMEX Gift Card worth up to $3,000!

Loan Calculator

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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