Flexible financing for restaurants and hospitality businesses.

ARF Financial is an online business lender that specializes in funding for the restaurant and hospitality industry — though anyone can apply. It works with businesses that have been around for as little as one month and offers multiple options to reduce your repayments if your company can’t keep up with the cost.
But it’s more expensive than traditional business financing, and repayments are due each week.


Min. Amount


Max. Amount


Product Name ARF Financial Flex Pay Business Loans
Min. Amount $5,000
Max. Amount $1,000,000
Loan Term 1 to 3 years
Requirements 30+ days in business, $100,000 annual revenue

Application Criteria

  • At least 30 days in business
  • $100,000 annual revenue

First, do I qualify?

You must meet the following criteria at a minimum to qualify for a loan from ARF Financial:

  • At least 30 days in business
  • $100,000 annual revenue

You might have to meet higher revenue requirements for higher loan amounts. While ARF Financial doesn’t require your business to be in a specific industry, its team members are experts in restaurant, hospitality and retail funding.

What makes ARF Financial unique?

ARF Financial’s flexibility is what sets it apart. You can defer up to 50% of your loan amount when you start making repayments to lower your cost. You also have the option of extending your term to lower your costs. Since these loans come with a flat fee rather than interest, paying it off later doesn’t make it more expensive.


  • Multiple options to lower repayments
  • Startups OK
  • Specializes in restaurant and hospitality industries


  • Weekly repayments
  • High cost compared to term loans
  • Slow turnaround for online lender

By admin

Leave a Reply

Your email address will not be published. Required fields are marked *