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Personal Credit cards

  1. 0% Interest for 6-18 months
  2. No minimum length of time in business
  3. Stated Income
  4. No upfront fees
  5. Reports only to the business
  6. Personal credit scores in all 3 bureaus
  7. Must have a business entity


Build credit with national Lenders tier 1 Lender

  • 700+ credit scores
  • Must have a business


Term Loan

  1. All monthly payments.
  2. 5-7 year term.
  3. 4-15% interest rate (based on personal credit rating)


  1. 700+ credit score or better, if not... Need a co-signer.
  2. $50,000 or more in personal income for the past two years.
  3. if self-employed, we will also need 2 years of business returns

Business credit card

  1. 0% Interest for 6-18 months
  2. No minimum length of time in business
  3. Stated income
  4. No upfront fees
  5. Only reports to the business credit.
  6. Personal credit scores in all 3 bureaus
  7. Must have a business entity


  • 700+ Personal Credit Scores in all 3 bureaus
  • Must have a business.


Ultimate Revolving Line of Credit
Your business is always evolving. Wouldn’t it be great to have access to a financial product with the flexibility to evolve with it? Now you do! Our new Revolving Line of Credit - BANKROLL provides the MAX loan approval, a fixed loan term of up to 36 months, and a fixed weekly payment, plus the flexibility to pay down or borrow additional funds on an unlimited basis! With Bankroll, you only pay for what you use and you’re in complete control based on your unique business needs that may change over time! And, Bankroll provides early payoffs without penalty anytime during the loan!






Check out BANKROLL’S Industry-Leading Features:


• Max approval amounts up to $1,000,000 with a minimum initial loan of $5,000

• Max amortizing term up to 36 months with low, fixed weekly payments                      

• A revolving period of up to 52 weeks

• Unlimited draws of $5,000 or more during the revolving period

• Unlimited partial principal paydowns of $5,000 or more during the revolving period

• Every payment made and partial principal paydown frees up line availability

• Finance charges accrue and are collected weekly

• Pay off or pay down without penalty, no maintenance fees or prepayment fees

• Closing points only charged on cash out


Borrow Now, Grow Now, Pay Later
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, for
dramatically lower loan payments now! Things like renovations, remodels,
additional locations, equipment purchases, partner buyouts and more are
not out of reach. Not any more! Our Flex Pay Loan is the perfect solution to
get your project completed and begin earning a positive return on your
investment now – without the need for collateral and 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 Line of Credit and the
Flex Pay solution becomes even more powerful!
Now that’s the flexibility every business owner wants!


Do you have business clients that need working capital but your bank can’t help them?
Or, you may have already approved a loan for them, but it falls short of their needs. If so, we can help them obtain the capital they need and help you keep them as satisfied clients!



Loan Program Advantages:
• No collateral required
• No tax returns or financials
• Fast approvals and funding in less than a week
• Repayment is not tied to credit card transactions
• The interest is tax-deductible
• Early pay-off options are available

We are Currently Accepting the Following Industry Types:
• Fast Food Restaurants with Drive-Thru • Liquor Stores • Medical Equipment & Supplies • Veterinarians
• Pizza Delivery and Takeout Restaurants • Auto Repair & Service • Specialty/Ethnic Grocery Stores • Pet Supply Stores
• Sub Shops with Takeout and Delivery • Dry Cleaners • Family Doctors • Pet Grooming
• Quick Service Restaurants with Takeout and Delivery • Business Cleaning Services • Dentists • Dollar Stores
• Fast Casual Restaurants with Takeout and Delivery • Hair and Nail Salons • Urgent Care • Hardware Stores
• Coffee, Donut, and Ice Cream Shops with Drive-Thru • Independent Pharmacies • Home Healthcare • UPS/Mailing/Shipping Stores

Expanded Portfolio Industry Types * : Underwriting Guidelines * :
• Aerospace, Defense Contractors • Medical Services (Medical Imaging) • Minimum Equifax Credit Score of 551*
• Architectural Services • Minimum 1 Month Time in Business*
• Building Materials & Equipment • Manufacturing
– Chemical & Related Manufacturing
– Drug Manufacturers
– Electronics Manufacturing & Equipment
– Food Products Manufacturing
– Pharmaceutical Manufacturing • Computer Software • Nutritional & Dietary Supplements • Defense Aerospace • Other Health Professionals • Defense Electronics • Pharmaceuticals / Health Products • Electronics, Defense Contractors • Steel Production / Steel Fabricators • Food Processing & Sales • Wholesale
• ATV / Golf Cart Dealers
• Auto Parts
• Beer, Wine & Liquor
• Minimum Annual Sales of $200,000
• Loan Amounts up to $500,000 for Single Entity and
up to $750,000 for Multiple Entities
• Fixed Terms up to 36 Months
• Pay Off up to 2 Competitors



Owning a successful business is hard work. Owners must be nimble, and with an unsecured Line of Credit, you will be.
When the window of opportunity opens, you’ll be ready to maximize your advantage. Our Line of Credit quickly puts up to $500,000 at your disposal. The initial line can be approved online in minutes with 24-hour access to drafts after that.
Whether it’s an expansion project, renovations or purchasing some new equipment. There’s no need to wait! With this type of financing, a few keystrokes are all it takes to access up to 5 separate loan drafts over a 6-month period. You will enjoy the freedom of drawing funds as needed, paying interest only on the money you take.

It Pays to Be Prepared

Even without an immediate need, business owners are establishing lines of credit now. Being prepared is smart. Merchants know to well how opportunities or unpredictable expenses can arise quickly and having committed capital allows them to be ready for the unexpected.


ERC program

About The ERC Program
What is the Employee Retention Credit (ERC)?
ERC is a stimulus program designed to help those businesses that were able to retain their employees during the Covid-19 pandemic.

Established by the CARES Act, it is a refundable tax credit – a grant, not a loan – that you can claim for your business. The ERC is available to both small and mid-sized businesses. It is based on qualified wages and healthcare paid to employees.

  •  Up to $26,000 per employee
  •  Available for 2020 and the first 3 quarters of 2021
  •  Qualify with decreased revenue or COVID event
  •  No limit on funding
  •  ERC is a refundable tax credit

How much money can you get back?
You can claim up to $5,000 per employee for 2020. For 2021, the credit can be up to $7,000 per employee per quarter.

How do you know if your business is eligible?
To qualify, your business must have been negatively impacted in either of the following ways:

  • A government authority required partial or full shutdown of your business during 2020 or 2021. This includes your operations being limited by commerce, inability to travel or restrictions of group meetings.
  • Gross receipt reduction criteria is different for 2020 and 2021, but is measured against the current quarter as compared to 2019 pre-COVID amounts.
  • A business can be eligible for one quarter and not another.
  • Initially, under the CARES Act of 2020, businesses were not able to qualify for the ERC if they had already received a Paycheck Protection Program (PPP) loan. With new legislation in 2021, employers are now eligible for both programs. The ERC, though, cannot apply to the same wages as the ones for PPP.

Click here Less Than 5 W2 Employees

More Than 5 W2 Employees

We align our goals with your dreams, to help you achieve your vision. with First class assistance, for real people, by real people!

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(323) 833-3047


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