Working Capital Loan
Our Working Capital Loan is ideal for business owners who are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? When you feel cash is tight and your business lacks the funds necessary to keep everyday operations running smoothly, know that ARF Financial has your back. Our goal is to give your business the boost it needs to get back on track.
Loan Amount
Up to $1M
Loan Term
Up to 36 Months
Approval Time
Within Days
Payments
Fixed Terms
Benefits that give you stability.
Quick Access to Funding
Get the cash injection your business needs with our streamlined approval process and funding in a matter of days, not weeks or months.
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Fixed Terms & Payments
Your loan terms are fixed so your payments won't fluctuate, giving you predictable cash flow and budgeting confidence.
No Hidden Fees
Unlike merchant cash advances, our working capital loans have transparent terms with no hidden fees or payment surprises.
Minimal Documentation
Our approval process is streamlined with minimal documentation required, making it easy to get the working capital you need quickly.
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Tax Deductible Interest
The interest you pay on your working capital loan is tax deductible, further lowering your cost of funds and improving your bottom line.
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Everyday Operations Focus
Specifically designed to fund your everyday business operations, helping you maintain smooth operations during cash flow challenges.
Larger loan amounts, longer terms &
big rewards.
Big projects usually mean big upfront investments, something you can't get from a merchant cash advance. If you're ready to take the plunge and go BIG this year, we have financing that's the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance.
Use of Funds
We understand the changing business landscape especially in the restaurant industry. Working capital loans are ideal for those operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected.
Daily
Operations
Marketing
Campaigns
Payroll &
Staffing
Seasonal
Preparation
Inventory
Purchase
Emergency
Expenses
Utilities &
Overhead
Cash Flow
Bridge
Minimum
Requirements
Our Working Capital Loans are designed to be accessible for businesses experiencing temporary cash flow challenges. We focus on your business's overall performance rather than perfect credit scores.
✓ 1+ month in business - Minimal time requirement under same ownership.
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✓ $200,000+ annual revenue - Combined credit card and cash revenue ($17K/month).
✓ 580+ Equifax credit score - You don't need perfect credit to qualify.​
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✓ Industry restrictions may apply - To see full list click here.