Apply Online. Get Approved Fast!

4 PRE-QUALIFICATION QUESTIONS AND 5 EASY STEPS

One of the most difficult challenges restaurateurs, retailers and many other business owners face is quick access to the working capital they need for cash flow, expansion projects, renovations, equipment purchases and more. At ARF Financial, we eliminate the hassle that comes with a traditional bank loan or the uncertainty and high rates that are tied to a Merchant Cash Advance. With ARF there’s no need for collateral, minimal paperwork requirements, fast approvals, quick fundings and we accept less-than-perfect credit.

We invite you to use our online application today to get your quick approval and see for yourself why Businesses Bank on Us! There are four “yes or no” pre-qualification questions and 5 easy steps. It’s simple, takes about 10 minutes and won’t affect your credit.

A Sweetheart Deal Worth up to $5,000!

With Valentine’s Day approaching, we’re giving our new clients some extra love this month. We’re giving away $500 Amex Gift Cards for every $50,000 they draw from their line of credit. This promo maxes out at $5,000 worth of gift cards. Loans must fund on or before February 28th, 2023.*

*To qualify for this promotion, merchant must borrow $50,000 or more on or before February 17th, 2023. Each additional increment of $50,000 in cash out qualifies for another $500 gift card. Maximum gift card earnings is $5,000. Receipt of the $500 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting guidelines, merchant’s acceptance of an approved loan amount, rate, and term; and, merchant borrowing a minimum of $50,000 cash out. Promotion is only valid on loans with terms of 39 weeks or longer. This offer is not guaranteed unless the application is made by the merchant, and the merchant borrows in accordance with the guidelines provided herein. Hurry, loans must fund on or before February 17, 2023 to qualify. Line of credit draws receive a desktop underwriting to ensure the Merchant’s creditworthiness has not materially changed. The Merchant will be required to submit updated bank transactional data via PLAID or via paper statements prior to a draw request being funded. We strive to fund all qualified draw requests within 48 hours of receipt.

Minimum Qualifications

woman-paying-bills

Industry Type

We lend to more than just restaurants. Over the years we’ve expanded to include many additional industry types. Click here to see the full list.

reading-mail

Credit Score

We can work with merchants who have less than perfect credit. Applicants with an Equifax credit score of 551 or higher may qualify.

man-lady-consult

Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).

handing-cash

Annual Sales

Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.

Getting Funded Has Never Been Easier

Tell Us About Your Business

Conveniently apply from any device, and get preliminary approval in a matter of minutes. One of our seasoned loan consultants will contact you to review your options and help you customize the perfect loan for your individual business needs.

Get Funded

When you choose ARF Financial, your funds will be available quickly with no hassles and minimal paperwork. Approvals are granted quickly and you can receive the funds in your business account in as little as 3 to 5 business days!

Receive Your Insight Report

Our focus at ARF Financial is to help your business succeed by providing industry-leading loan products when you need them with the expert financial guidance you deserve. You will also receive a free, comprehensive review of your business’ creditworthiness.

Gain a Strategic Partner

At ARF Financial, we service more than just business loans. We see ourselves as true partners with our clients. Our team of seasoned loan consultants are devoted to sticking by your side during the application process and after your loan funds.

Easy & Convenient Online Application

Use our online application to get approved fast! There are 4 prequalfying questions, 5 easy steps, it only takes 10 minutes and won’t affect your credit.