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 hassles and long waint that comes with a traditional bank loan or the uncertainty and high rates from a Merchant Cash Advance. With ARF there’s minimal paperwork, fast approvals, quick fundings and having perfect credit is not a barrier.

We invite you to use our online application 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.

Up to $2,500 in Rewards for New Clients!

New client relationships are very important to us, and should be rewarded. For a limited time, new borrowers will receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 01/31­­­­/2024.*

*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant’s approval under ARF Financials’ standard underwriting models and policies. Merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 01/31­­­­/2024. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 01/31­­­­/2024.

Minimum Qualifications


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.


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.


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).


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.