ARF Financial
Bank-issued business loans from $5,000 to $750,000 on 12 to 36 month terms, with fixed weekly payments and no prepayment penalty.
- 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 traditional business loan, and that is largely because it is one. ARF originates and services the paper, but the loans themselves are issued through partner community banks. That structure matters to you for a single reason: it prices like bank money, with an interest rate and a fixed payment, rather than like an advance that 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 predictability is the entire point. There is no prepayment penalty, so paying it down early stays a decision you get to make later rather than one the paper makes for you.
Approval looks at time in business, revenue and credit, but the bar sits well below a bank's own small business desk. ARF publishes a floor of roughly 30 days in business, about $17,000 a month in sales, and a credit score in the mid 500s, with no tax returns or financial statements required. That combination is unusual, and it is why owners who assume they will not qualify frequently do.
There is also a revolving line called BANKROLL. You draw what you need, repay it, and the room comes back, with unlimited draws and partial paydowns. For a business with a seasonal dip, a line that sits unused most of the year usually costs less than a lump sum you carry interest on 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, which is a large 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, which is the easiest structure on this page to compare. Your actual number is set at underwriting, so we get it in writing and read it with you rather than printing 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, revenue consistency and credit. A shop with three years of steady deposits prices better than a one-year-old business with lumpy months.
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 prepayment penalty, so paying the balance down early stays your call rather than the lender's.
We run the total payback in plain dollars next to whatever else you are considering, including an offer you bring us from somewhere else.
This is the option we point at first whenever the numbers support it, because a real interest rate and a fixed payment are the cheapest kind of money on this page.
The mistake owners make is assuming they will not qualify and taking faster, costlier paper without ever checking. The floor here is lower than almost anyone expects, and finding out costs you nothing.
We place working capital with more than one partner, so the recommendation follows your numbers rather than one funder's pitch. Bring us the offer you like, including one you found somewhere else, and 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 predictable payment they can plan around
- Planned spends: a buildout, a second location, an inventory push
- 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 the slow stretch, and a revenue-based advance through Cash Buoy flexes with sales instead. If you need money inside 48 hours, this is not the fastest option on the page. And if the spend is a piece of equipment, securing it through SURV usually prices better.
We carry more than one option here precisely 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, with an interest rate and a fixed weekly payment. An advance is a different product with different math, and 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, and it is the single most common reason an owner rules themselves out before ever asking.
Will I need tax returns or financial statements?
No. That is one of the reasons this moves faster than a traditional bank process. Recent business bank statements and a short application carry most of the file.
What is the BANKROLL line?
Instead of one lump sum you get a revolving line you can draw against, repay, and draw again, with unlimited draws and partial paydowns. For seasonal businesses it 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 documented automatically, which makes the file easier to assemble, but that is convenience and not a requirement.
Not sure ARF Financial is the one?
Tell us what you are trying to do and we will walk the options with you, in plain dollars, before anything gets signed.