Transparent Financing

At ARF Financial, we provide transparent financing and professional support to ensure borrowing with us is simple, and easy to understand. All unsecured business loan terms are clearly outlined on the first page of your Merchant Loan Agreement including your rate, repayment term, total payback, and fixed weekly payment amount. Our longer terms will keep your payments low, maximizing your all-important cash flow.

Working Capital Loan

We can provide the funding your business needs with fewer strings attached than a traditional bank loan or a merchant cash advance. Our approval process is streamlined with minimal documentation and funding can occur in days with no collateral needed!

Flex Pay Loan

A Flex Pay Loan from ARF Financial gives you the ability to defer up to 50% of your loan principal into the future for the lowest possible payments now! This unique flexibility puts you in control, reduces your cost of money and lowers your weekly payment – all aimed at improving your business’ cash flow and profitability.

Unsecured Line of Credit

We believe that you should be able to borrow only what you need, when you need it, and only pay for what you use. Think of it this way, you’ll get 24-hour access to your line of credit and you can pull funds as needed, only making payments on the principal and interest of that draw.

Make the best choice to capitalize on your business’ potential

Manage Your Loan Online


Make Fixed Weekly Payments, Not Daily


Apply Online, It’s Simple


Manage Your Funds Online

Online Customer Portal

Through our online client portal, managing and accessing your funds has never been easier. You’ve got enough on your plate running your business, so you shouldn’t have to worry about payment surprises. Simply login from anywhere and review your payment history and balances.

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.


When you fill out our online application, you can receive a quote immediately and obtain final approval within 48 hours. Once your loan funds, you may also have immediate access to a renewable line of credit!

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

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