Make the Best Choice for Your Bottom Line

One of the most difficult challenges restaurateurs and hospitality business owners face is quick access to the working capital they need for cash flow, expansions, renovations, equipment purchases and more.

At ARF Financial, we remove the hassle that comes with a traditional bank loan or the uncertainty that is tied to a Merchant Cash Advance. With ARF there’s no need for collateral, minimal paperwork requirements, fast approvals, and we accept less-than-perfect credit.

So build your loan today and see for yourself why Businesses Bank on Us!

Getting Funded Has Never Been Easier

Tell Us About Your Business

Conveniently apply from any device, and receive a free online quote. One of our personal loan consultants will help you craft the perfect customized loan for your individual business needs.

Get Funded

When you choose ARF Financial, your funds will be available quickly with no hassle and minimal paperwork. Approvals are granted in 24 to 48 hours and you can receive the funds in your business account in as little as 3 to 5 days!

Receive Your Insight Report

Our focus at ARF Financial is to help your business success by providing top-tier financial consultation and support when you need it. That’s why all clients 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 business partners with our clients. Our team of personal financial consultants are devoted to sticking by your business for the long haul.

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!

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

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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