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 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.



When you fill out our online application, you can receive a preliminary offer in 24 hours and obtain funding in 3 to 5 business days. 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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