Skip to content

How To Get Business Funding

Business Loans * Revolving Lines Of Credit * Interest -Only Loans

Business Loans • Revolving Lines of Credit • Interest-Only Loans


Why We’re Different from Other Lenders


As the leading financial services company for tens of thousands of businesses across the country, backed by decades of experience, we know a thing or two about owners like you. What’s more, we live and work in your community, understand the local market, and we’re committed to offering the right financial products, customized to fit your individual circumstances and business goals.

At ARF Financial, one of our seasoned loan consultants will help you capitalize on your business’s potential with fast access to the most innovative and flexible loan products available. We make business financing easy! That’s why we’re the #1 trusted source for restaurant loans, hospitality financing, retail funding and other small business loan products.

We have built exclusive relationships with community banks across the country, so you can acquire a bank loan fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need, with manageable payments that won’t increase as revenue grows.




Watch Our Company Video


Video Player


   00:00 03:16    



Find out more information about ARF Financial from someone who has been around since the beginning.

 HOSTED BY OUR CHIEF SALES OFFICER Celeste Deal-Maunoir  “It’s our job to understand your business goals, your financing needs, and then customize a loan to meet those needs – especially one that maximizes your return on investment.”   Size Matters! 

Larger Loan Amounts, Longer Terms & Big Rewards

When comparing business lenders, SIZE MATTERS! Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’ve got big plans for your business, 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 those 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:





*Completing an application only takes ten minutes and won’t affect your credit.

    Loan Program Advantages Access to loan amounts from $5,000 to $1,000,000 No collateral requirements on loans up to $750,000 Fixed repayment terms up to 3 years Same-day approvals and fundings in less than a week Streamlined underwriting process with minimal documentation Defer up to 50% of the loan’s principal for the lowest payment All loans come with an optional line of credit 24-hour access to line of credit drafts for up to a year The interest paid is tax deductible, lowering your cost of funds Early payoff options are available without paying all the interest   



Industry-Leading Loan Products




BANKROLL – Revolving Line of Credit


Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the max loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!





Interest-Only Flex Pay Loan


We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now gives you quick access to amounts from $50K to $750K without collateral and low, interest-only payments for up to a year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!





Revolving Lines of Credit


With a Line of Credit from ARF Financial, when opportunity comes knocking, business conditions change or unexpected expenses pop up, you’ll be prepared. Our Line of Credit gives you 24-hour access to 5 separate loan drafts over a 6-month period. You’ll have the freedom to draw funds as needed and only pay for what you borrow!





Flex Pay Loans


Many business owners simply don’t dream big because they believe they can’t afford to borrow the funds necessary to make those dreams come true. Our Flex Pay loan solves that problem! Flex Pay allows you to defer up to 50% of your loan principal into the future, resulting in the lowest payments now! So go ahead and dream BIG!