Skip to content

Bridge Loan Financing

Used To Bridge To Traditional Financing

Use ARF Financial to Bridge to Traditional Financing


The affects of the pandemic are starting to subside. Things are beginning to return to normal. Consumer confidence is on the rise. New opportunities are on the horizon. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have the solution. ARF Financial has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while working with your bank to secure traditional funding sources such as an SBA loan. You can access amounts up to $1,000,000 with repayment terms up to 36 months!


What is a Bridge Loan?


A Bridge Loan is a financial product that functions as a short-term amortizing loan to facilitate growth projects or investment opportunities that are expected to generate high returns. Small businesses, particularly in their early phases, are often presented with new opportunities, but often can’t take advantage of them due to a lack of capital. Owners and entrepreneurs can experience immense pressure to cover every-day operating costs while investing in projects that can take their business to the next level. When faced with this concern, it can be difficult to put business acumen and innovative ideas into action. Bridge Loans are an ideal solution to open the door to new opportunities without cannibalizing cash flow.

  When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!


Larger Loan Amounts, Longer Terms & Big Rewards


 Your big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG this year, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.


   APPLY NOW  Completing an application only takes 10 minutes and won’t affect your credit.   NEW CLIENTS RECEIVE BIG REWARDS  

 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 11/30/2023.*

*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 11/30/2023. 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 11/30/2023.


Minimum Qualifications



Industry Type


We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.



Credit Score


Even with less than perfect credit, we can get you approved for a working capital loan. An Equifax credit score of only 551 is required.



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.


How to Apply for a Bridge Loan


If you are a business owner looking for a bridge loan with guaranteed rates, fixed terms up to 36 months and affordable payments, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process


How can I use a Bridge Loan?


Before considering a Bridge Loan, note that these loans are intended for businesses with an investment objective that is expected to generate a high return. These loans are perfect to fund growth opportunities while waiting on traditional financing like an SBA loan. They are also a great option to bridge the gap while waiting on the sale or refinance of commercial real estate.

Consider your business’ unique objectives for short and long term growth. You may want to consider expected seasonal fluctuations and other possible sources of conventional funding before applying for a bridge loan.

Businesses are encouraged to consider the following questions:

Are my financial obstacles related to an inability to take advantage of present growth or investment opportunities?


Does my strategic plan have investment opportunities built in?


What is my short-term financial outlook?


Companies without bridge loans may be operationally sound, but lack the working capital to take on new assets or other growth-driving endeavors. They may also face decisions that force them to consider drawing from current cash flows while they wait with uncertainty for conventional loan approval. In the mean time, they miss opportunities to capitalize on growth.


Is a Bridge Loan right for my business?


Restaurants, hotels, and retail operations often want to be up and running before conventional financing has been approved in order to start bringing in money. A Bridge Loan covers businesses during the waiting period. It allows owners to avoid further dividing up their interest in the business with a new partner and losing out on profits and control over critical business decisions in the long run.

Bridge Loans put flexibility and control in the hands of the business owner. A Bridge Loan will function as a line of credit of with access to five loan drafts over six months, meaning that you can take as much or as little of what you want of your approval limit. Your business gains the immediate security it needs up front without sacrificing growth and profits down the line.


Use our Bridge Loan Calculator to Calculate Loan Amount:


Use the sliders below to indicate annual sales, time in business and credit score.


Annual Sales

 30 Months

Time in Business


FICO Score


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 individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.


Terms & Conditions

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 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.    

What Our Customers Are Saying



Quick & Easy Online Application



Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit. 

Add Your Heading Text Here