Apply Online. Get Approved Fast!
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.
Get Rewarded! Borrow now and receive up to $1,000 cash back!
For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*
*Receipt of the Amex Gift Card(s) promotion is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $100,000 within 30 days of completed application to receive a $1,000 gift card, plus another $1,000 gift card for every additional $100,000 borrowed up to a maximum of $10,000 in gift cards. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One promotion per guarantor only. ARF Financial reserves the right to terminate the offer at any time.
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.
We can work with merchants who have less than perfect credit. Applicants with an Equifax credit score of 551 or higher may qualify.
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).
Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.
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.
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.