ARF Financial
Bank-issued business loans from $5,000 to $750,000, on 12 to 36 month terms. Payments are weekly and fixed. There is no penalty for paying early.
- Amounts
- $5,000 to $750,000
- Terms
- 12 to 36 months
- Payments
- Fixed, weekly
- Structure
- A bank-issued loan with an interest rate, not an advance against sales
- Prepayment
- No prepayment penalty
- Cost written as
- An interest rate and a total payback amount
What ARF Financial actually is
ARF is the closest thing on this page to a plain business loan. That is mostly because it is one. ARF originates and services the paper. The loans themselves are issued through partner community banks. That structure matters to you for one reason. It prices like bank money, with an interest rate and a fixed payment. It does not price like an advance, which prices for risk by the day.
You borrow a set amount. You repay it on a fixed weekly schedule, and the number never moves. For an owner who runs on a budget, that is the whole point. There is no penalty for paying early. So paying it down ahead of time stays your call later, not something the paper decides for you.
Getting a yes depends on time in business, revenue and credit. But the bar sits well below a bank's own small business desk. ARF publishes a floor of about 30 days in business. It also lists about $17,000 a month in sales and a credit score in the mid 500s. No tax returns or financial statements are needed. That mix is unusual. It is why owners who assume they will not qualify often do.
There is also a revolving line called BANKROLL. You draw what you need, repay it, and the room comes back. There is no cap on draws, and you can pay down part of it. For a business with a seasonal dip, a line that sits unused most of the year costs less than a lump sum. With a lump sum you carry interest the whole time.
How it works
Send the basics
Time in business, monthly revenue, what the money is for, and recent bank statements. We package it so the file goes in complete the first time.
Underwriting reviews the real numbers
Bank deposits and credit both get looked at. No tax returns or financial statements are required. That is a big part of why this moves faster than a bank's own process.
You get terms in writing
Amount, weekly payment, number of weeks, and total payback. We read it with you before you sign anything.
Funded, then fixed
The money lands and the same weekly payment runs until the term ends. No surprises in month nine.
What ARF costs
ARF quotes an interest rate and a total payback. That is the easiest structure on this page to compare. Your own number is set at underwriting. So we get it in writing and read it with you. We will not print a rate here that you would have to assume is yours.
How the price is written
An interest rate plus a fixed weekly payment over a set number of weeks. Multiply the payment by the weeks and you have the total cost, in dollars. No factor rate math required.
What drives your number
Time in business. Steady revenue. Credit. A shop with three years of steady deposits prices better. A one-year-old shop with lumpy months prices worse.
The tradeoff
The payment is fixed, so it does not shrink in a slow February. That is the cost of predictability, and it is the right trade for a business with steady months.
Prepayment
There is no penalty for paying early. Paying the balance down ahead of time stays your call, not the bank's.
We run the total payback in plain dollars. We set it next to whatever else you are weighing, including an offer you bring us from somewhere else.
This is the option we point at first whenever the numbers allow it.
A real interest rate and a fixed payment are the cheapest money on this page. Owners make one mistake here. They assume they will not qualify, then take faster, costlier paper without ever checking. The floor is lower than almost anyone expects. Finding out costs you nothing.
We place working capital with more than one partner. So what we suggest follows your numbers, not one funder's pitch. Bring us the offer you like, even one you found somewhere else. We will put the real total cost of each side by side before you sign.
Who it fits
- Businesses past the 30 day mark, though more time in business prices better
- Roughly $17,000 a month in sales and up
- Owners who want one steady payment they can plan around
- Planned spends: a buildout, a second location, a big stock order
- Owners who assumed a credit score in the 500s ruled them out
Who it does not fit
If your revenue swings hard month to month, a fixed weekly payment can bite in a slow stretch. A revenue-based advance through Cash Buoy flexes with sales instead. If you need money inside 48 hours, this is not the fastest option here. And if the spend is a piece of equipment, SURV can secure it. That usually prices better.
We carry more than one option here. That is exactly so we never have to push the wrong one on you.
ARF Financial, answered
How fast does ARF fund?
Usually about a week from a complete application. Faster than a bank, slower than an advance. If your timeline is tighter than that, tell us and we will say so plainly rather than let you find out late.
Is this an advance against my sales?
No. This is a loan issued through partner banks. It has an interest rate and a fixed weekly payment. An advance is a different product with different math. Cash Buoy is where that lives.
What credit score do I need?
ARF publishes a floor in the mid 500s. That is low for real bank-issued paper. It is also the top reason an owner rules themselves out before ever asking.
Will I need tax returns or financial statements?
No. That is one reason this moves faster than a bank process. Recent business bank statements and a short form carry most of the file.
What is the BANKROLL line?
Instead of one lump sum, you get a revolving line. You draw on it, repay it, then draw again. There is no cap on draws, and you can pay down part of it. For a seasonal business, that usually costs less than borrowing the whole amount up front.
Do I need to process card payments through you to qualify?
No. Funding stands on its own. Clients we already work with have their sales history on file already. That makes the file easier to put together. But it is a convenience, not a must.
Not sure ARF Financial is the one?
Tell us what you are trying to do. We will walk the options with you, in plain dollars, before anything gets signed.