Unsecured Line of Credit

Business Line of Credit

You’ve Got Options

Lines of credit are perfect for when business conditions change. Unexpected issues arise. Windows of opportunity open. Are you prepared to deal with these occurrences? Thousands of business owners have learned that with a business line of credit from us, they are. Formerly Advance Restaurant Finance, ARF Financial is the #1 lender for restaurant loans and restaurant financing for over 19 years. As the restaurant financing experts, we understand the unique needs of restaurant owners and the daily challenges they face.

What is a Line of Credit?

A line of credit is an approved loan extended to restaurant and small business owners allowing them to draw upon when the need arises. This type of financing allows merchants to pull funds from their line as needed and only pay interest on the money they take. Restaurant owners have 24-hour access to 5 separate loan drafts over a 6 month period. You can even request funds online!

Benefits Of A Line of Credit

Use the funds as needed and make low, fixed weekly payments. Our line of credit is a business loan not a cash advance, so repayment is not tied to your daily credit card receipts.

Combine our Business Line of Credit with our Flex Pay Loan and you can defer up to 50% of the principal into the future for more affordable payments now, and pay it back when the time is right.

You can lock in your rate for the next 6 months with a minimum first draw of only $25,000.

Instant online approvals and funding in as little as 3 days.

Loan amounts are available from $5,000 to $750,000 with no collateral required.

The interest you pay is tax deductible, further lowering your cost of funds.

Early payoff options are available

What Are Lines of Credit Loans Used For?

We understand the changing business landscape especially in the restaurant business. As such, our small business owners use the line of credit for a variety of business reasons. Even without an immediate need, restaurant owners are establishing lines of credit now. Being prepared is smart. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected.

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There are many reasons a business owner might need a working capital loan. Below are just a few of the typical ways restaurant owners use the funds.

  • Equipment financing
  • Inventory financing
  • Expansion projects
  • Renovations & Remodels
  • Opening another location
  • Pay for franchise obligations
  • Liquor licenses
  • Buy out a business partner

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Unsecured Loans & Financing

Is Your Business Ready to Grow?

Lines of Credit • Working Capital Loans • Flex Pay Loans • Bridge Loans

As the restaurant industry experts, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your restaurant profitable and on track to achieve your long-term goals. It doesn’t matter if you’re a single-unit-operator, a multi-unit operator, or a nationally recognized chain, we can help you capitalize on your business’ potential with access to the right restaurant financing products, and we do it fast.

We have a well-established track record of providing restaurant loans and a variety of financing solutions that meet your restaurant’s needs. Our focus is to get you the capital you need when you need it, while providing seasoned guidance to help you maximize your return on investment.

Running a restaurant takes much more than just culinary skills. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to restaurant loans. This means that many owners are forced into more expensive financing options such as merchant cash advances to make ends meet.

Why are We Different?

Since 2001, out partner has lent hundreds of millions of dollars to thousands of restaurant and hospitality business owners just like you! Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction.

We're your best option for achieving the business growth you’ve dreamed of. Here’s how:

We are experts in financing restaurant and hospitality businesses.

We forge deep relationships with every client and serve as their financial consultants through the lending process to answer critical borrowing questions.

We are not loan brokers. We cut out the middle man, keeping your costs low.

Even if you have less-than-perfect credit or a spotty financial history, we have loans you can get approval for.

Our relationships with banks can help you get approved for the best loan product for your needs at competitive rates.

Flexible financing options mean loans and repayment terms can be customized to your needs.

Advantages of our Our Loans

Comes with a renewable Line of Credit with 24-hour availability

Instant approvals and funding's in as little as 3 days

Terms from 12 to 36 months with low weekly payments

Simple process and low documentation

Instant Online Quotes

Low rates, fixed payments and no hidden fees

Tax deductible interest and early pay off options

No collateral required on amounts up to $750K

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We're devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable uses to put restaurant financing to work in your business:

  • Upgrading your kitchen with new equipment
  • Opening or expanding to a new location
  • Improving your inventory
  • Overcoming short-term cash gaps
  • Renovating or remodeling your existing
  • Establishment
  • Paying off outstanding debt

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