Flex Pay Loans

Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!

Defer Up to 50% of Your Loan Principal for the Lowest Payment Now

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds they need. Flex Pay solves that problem. ARF Financial’s Flex Pay Loan allows you to defer up to 50% of your loan principal into the future, resulting in dramatically lower loan payments now! Things like renovations, remodels, additional locations, equipment purchases, and partner buyouts are not out of reach. Not any more! Our Flex Pay Loan is the perfect solution to fund your project, get it completed and begin earning a positive return on your investment now without the stress to your cash flow! Flex Pay also has a unique early pay off option designed to minimize your interest costs. Couple this flexibility with our 6-month Line of Credit and the Flex Pay solution becomes even more powerful!

Minimum Qualifications:

Industry Type

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

Credit Score

> We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.

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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