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ARF Financial business loans review

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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.


Min. Amount


Max. Amount


Product NameARF Financial Flex Pay business loans
Min. Amount$5,000
Max. Amount$1,000,000
Loan Term12 to 36 months
Requirements30+ days in business, $100,000 annual revenue

Expert review

Anna Serio

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

ARF Financial is an online lender and loan servicer that specializes in flexible business loans for restaurants and hospitality businesses. You have the option to hold off on paying half of your loan balance if the cost is too high. It’s also open to relatively young businesses — you only need to be around for 30 days to qualify.

But it can be more expensive than other financing options out there — fees start at 16% of your total loan amount. And it doesn’t have the fastest turnaround. It also comes with weekly repayments, which can be difficult to keep up with if you don’t have a strong cash flow.

Not sure ARF Financial is right for you? Compare your other business loan options below.

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

Compare other business loan options

Data indicated here is updated regularly

Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 1 year in business, an annual revenue of $100,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
OnDeck small business loans
$5,000 – $250,000
As low as 11.89%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK

Compare up to 4 providers

How do I apply?

You can apply for a business loan from ARF Financial online by following these steps:

  1. Go to the ARF Financial website.
  2. Click Get an instant quote.
  3. Enter your name, contact info and create a password. Click Save and Continue.
  4. Fill out the form with basic information about yourself and your business. Click Save and Continue.
  5. Provide information about yourself, your business and its locations. Click Save and Continue.
  6. Provide additional information about yourself. Click Save and Continue.
  7. Connect to your business bank account. Click Save and Continue.
  8. Review your application and click Sign and Submit.

You should receive a decision within minutes of submitting the application. Follow ARF Financial’s directions to upload any required documents. Typically, it takes between three and five business days to receive your funds.

What documents do I need to apply?

ARF Financial doesn’t list any required documents, and often it varies depending on the business. However, business lenders typically ask to see bank statements, as well as personal and business tax returns at a minimum.

How do repayments work?

ARF Financial loans come with weekly repayments. If your business is struggling to meet the weekly cost, reach out to ARF Financial to ask about deferring part of your loan or lengthening your term. Also, reach out if you have any questions, concerns or think you might be late on a payment. You can get in touch by calling 866-702-4430

Find out how ARF Financial compares to other lenders with our guide to business loans.

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