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:

Business Loan Calculator

Use our loan calculator to determine your potential loan amount:

Loan amounts may be increased with the review of tax returns and financials. *Must be operating under the same ownership and concept. *2 Home must be in your name. *3 Includes personal and business bankruptcy

Build Your Loan

See how much you qualify for...

Type of business? State Time in business? Annual sales? Credit Score? Annual sales?
Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Loan amounts may be increased with the review of tax returns and financials.

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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 instant access to a renewable line of credit!

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