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. We have 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.

Minimum Qualifications

Industry Type

> We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. 

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.

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Business Capital

• Funding Amount: Up to $2 million
• Approval Time: Within 24 hours
• Funding Time: Typically within a week
• Repayment: Monthly payments, no prepayment penalties
• Credit Reporting: Reports to business credit bureaus

Business Line of Credit

• Amount: $5,000 to $100,000
• Funding Time: 24-48 hours
• Repayment: Only pay interest on the funds you take out
• Unique Benefits: Revolving line of credit; each payment frees up additional available funds

Equipment Financing

• Rates: Starting at 6%
• Terms: Up to 5 years
• Funding Amount: Up to $1 million for first funding
• LTV: 65-100% depending on the program

Payment Processing

• Services: Standard processing and Cash Discount Processing (no fees)
• Benefits: Eliminate 95% of your fees, faster access to funds

Healthcare Services

• Offerings: Flexible and affordable healthcare solutions for individuals and employers

Identity Protection Services

• Coverage: Up to $1 million
• Features: Constant credit monitoring, identity alert system

Requirements

Business Capital

• 4+ months in business
• $10,000+ in monthly sales
• 500+ owner personal FICO score

Business Line of Credit

• 6+ months in business
• $5,000+ in monthly sales
• 500+ owner personal FICO score

Equipment Financing

• 1 year in business
• 650+ FICO score
• $120,000 annual gross sales
• Invoice required for quote

Select Funding

 offers exclusive financial support tailored for highly qualified businesses. This premium funding solution provides the lowest repayment rates in the industry, fast-track approvals, and immediate funding. With Select Funding, businesses can unlock new levels of growth and success, focusing on expansion, inventory purchase, marketing enhancement, operations expansion, hiring top talent, and improving cash flow.

Unique Benefits

• Lowest Repayment Rates: 1.18-1.29x the advanced amount, compared to the usual 1.3-1.5x rates.
• Fast-Track Approvals: Approval offers and funding deposited to your bank account in just one business day.
• Exclusive Funding: Designed for top-performing businesses to ensure growth and profitability.

Qualifications

• 3+ years in business
• $100,000+ in monthly sales
• 700+ FICO score

Top 10 Industries

1. Construction: Includes plumbers, electricians, pavers, home builders, and roofers.
2. Restaurants
3. Retail (Brick & Mortar)
4. Medical: Includes dentists, chiropractors, vets, home healthcare, elderly facilities, and medical suppliers.
5. Manufacturing
6. Grocery Stores: Includes gas stations, convenience stores, and pharmacies.
7. Landscaping
8. Childcare & Private Schools
9. Nail & Beauty Salons
10. E-commerce Stores: Includes platforms like Shopify.

Business Funding That Moves at Your Speed. Funding As Fast As 1 Business Day!

> Complete the application. We simply require a few basic details about your business along with three months of your most recent bank statements, a voided check, and a driver's license.

>Get a decision. Your dedicated funding specialist will work with you to explore your funding options and help you select the best solution tailored to your specific needs.

> Receive your funds. Access your funds and continue focusing on expanding your business.

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PAY ONLY THE INTEREST FOR UP TO A YEAR!

This is our most aggressive interest-only product in the marketplace, our Interest-Only Flex Pay Loan. Well, we decided to make it even better. We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn’t have to. Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year! Even better, it also carries a Line of Credit with unlimited draws for up to a year. After the interest-only period, you have the option to pay the principal, or we’ve created the perfect safety net – a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!

> The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).

> Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).

> The product will now carry a line of credit available for their entire interest-only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount taken.

> During the line of credit period, you may take unlimited* draws of $25,000 or more up to your maximum loan approval amount.

> You can even take your initial loan amount via several draws on consecutive business days to allow for ease of early payoff when funds become available. The minimum first draw is $50,000 with unlimited subsequent draws of $25,000 or more. Each IO Flex Pay Loan (or draw) will have minimum finance charges due for the entire interest-only period upon early payoff.

Pay Less When It Matters

> Use our funds to complete your projects with high return on investment, pay only the interest for the first 12 months, and take advantage of the low payments!

Higher Loan Amounts

> You can access loan amounts up to $500,000 if you own a single entity or up to $750,000 with multiple entities.

Our Lowest Rate

> Well qualified borrowers with longer time in business, strong and consistent annual sales numbers, and good credit, can qualify for our lowest rate starting at 15%.

The Perfect Safety Net

> When the interest-only period has ended, you have the option to pay off the principal, or we’ve built in the perfect safety net rollover amortization up to 2 years.

Unique Advantages of our Interest-Only Flex Pay Loan

Loan amounts are available from $50,000 to $750,000

> Rates start as low as 15% with up to 1 year of low, interest-only payments

> Product now carries a Line of Credit with 24-hour access to unlimited drafts (of $25K or more)

> When interest-only period is completed, there’s a built-in safety net rollover amortization of 18 to 24 months

> After completion of application, approval to loan funding in as little as 3 business days

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The #1 Lender for Restaurateurs

we’ve engaged with thousands of restaurant owners over the years who struggle to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward. As the restaurant industry experts, our team of seasoned loan consultants specialize in providing the trusted financial guidance you deserve with industry-leading loan products that are designed (and can be customized) specifically for your unique circumstances. What’s more, we live and work in your community, understand your local market and are committed to assisting you throughout the life of your business.

Our focus is to get you the capital you need when you need it, while providing affordable, fixed payments to help you maximize your return on investment without sacrificing your cash flow. Here are some valuable options to put our restaurant financing to work in your business:

> Expand or renovate your kitchen or dining room

> Add a bar or an outdoor patio

> Open another location

> Add catering or take-out services

> Purchase new kitchen equipment

> Upgrade your POS system or invest in new technology

> Buy out a business partner or pay off an investor

> Supplement your cash flow during slow, seasonal periods

Overcome Any Financial Hurdle

Just about every successful restaurant begins as a small mom-and-pop business, and at some point requires money to update facilities, repair or replace kitchen equipment, or even hire new staff — all of which can help you realize your business’ potential. When you need working capital to overcome any financial hurdle, turn to ARF Financial because we provide:

> Industry expertise to customize a financial solution for your individual business situation

> One-on-one personalized support, guiding you through the application process to funding

> Quick online approvals and fundings in as little as 3 days

> Fixed repayment terms from 12 to 36 months

> Optional Line of credit with 24-hour access to 5 loan drafts for 6 months

> Early payoff options are available

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Interest-Only Revolving Line of Credit

Our Interest-Only Revolving Line of Credit (IO-Bankroll) gives you the power to do more! Whether it’s financing a growth opportunity, an expansion project, a new location, higher labor costs, new equipment, or investing in new technology, IO-Bankroll is your solution. With LOW, interest-only payments for up to a year and approvals in 24 to 48 hours on amounts up to $1 million, our IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives you the flexibility to draw funds and pay down your principal balance as often as you need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool for business growth and increased profitability.

IO-Bankroll Advantages:

> Approvals from $200,000 to $1 million in 24 to 48 hours.

> Minimum initial draw of 25% of the line’s approval.

> Save Big! Pay only the interest on your outstanding balance for up to a year.

> Receive repayment terms up to 3 years with low, fixed payments.

> A revolving period of up to 11 months (48 weeks).

> Unlimited draws of $10,000 or more during the revolving period.

> Unlimited principal paydowns of $10,000 or more during revolving period.

> Every regular payment and principal paydown frees up line availability.

Time in Business

> Businesses must be open and operating for a minimum of 4 years under the same ownership to qualify.

Sales Volume

> Businesses generating $1,500,000 annually ($125,000 monthly) may qualify for IO-Bankroll.

Credit Score

> Less than perfect credit is not a barrier. We can work with an Equifax credit score of 651 or higher.

Home Ownership

> To qualify for IO Bankroll, applicant must own their home in their name. If there is a mortgage, it must be current.

Bank Balances

> Business owners must maintain an average daily bank balance of $10,000 to qualify for IO Bankroll.

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What is an SBA loan?

An SBA Loan is a government backed loan that can be used to start or expand a business. The loan has certain requirements for eligibility, such as size standards, proving the ability to repay the loan and solid business purpose. The SBA works with specific lenders to offer their programs which eliminate the risk from the lender since they are backed by the government.

> SIMPLE APPLICATION

Our simple 15-second online application can get you matched with offers in minutes.

TERMS UP TO 25 YEARS

> We provide a wide variety of terms with 25-year terms available on certain products.

LARGER AMOUNTS

> Get matched with the best financing options with the highest funding amounts.

QUICK SBA APPROVAL

> Our fintech speed can get you approved in as little as 48-72 hours.

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What Are Working Capital Loans?

> Before diving into an explanation of working capital loans, it’s important to understand working capital basics.
Working capital refers to the money needed to cover everyday operating expenses in your business. Typical expenses covered by working capital include payroll and rent. These are the day-to-day costs of keeping your business running.
A working capital loan gives businesses the cash to cover these ongoing, everyday operational costs. A working capital loan can come in various forms, including a short-term working capital loan, merchant cash advance on credit card sales, invoice factoring agreement (on unpaid invoices due), SBA loans, or a business line of credit.
Working capital loans may also be known as business capital loans, operating capital, or cash flow loans.

SIMPLE APPLICATION

> Our simple 15-second online application can get you matched with offers in minutes.

NO MINIMUM FICO

> Bad credit? No problem! Most of our top financing options have no minimum FICO.

LARGER AMOUNTS

> Get matched with the best financing options with the highest funding amounts.

SAME DAY FUNDING

> Our fintech speed can get you in and out of Underwriting in just a few hours - and same day funding!

What Do You Need To Qualify?

3+ Months in Business

> You can qualify for our top financing options with as little as 3+ months in business.

$10,000+ Monthly Gross Sales

> The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

No Minimum FICO

> We have financing options for all credit profiles. There is no minimum FICO score required to apply.

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