Quick & Easy Quick & Easy Quick & Easy

Business Financing Business Financing Business Financing

Solutions Solutions Solutions

Get fast approvals and access to the funds you need to grow your business.

Fast Approvals

Quick, hassle-free loan decisions to get you funds fast.

Flexible Loan Options

Tailored loans to fit your business needs.

Expert Advice

Professional guidance for smarter financial decisions.

Customized Solutions

Personalized loans designed for your business goals.

About Us

Empowering Your Business with Tailored Financial Solutions

We partner with leading lenders and investors to deliver real, practical financing solutions for small businesses. Using cutting-edge technology, we evaluate your business based on actual performance—not personal credit—so you’re judged on what truly matters.

We’ve built a quick, simple, and transparent process to help you access capital when you need it. We’ll jump through the hoops so you don’t have to—because your focus should be on growing your business, not fighting paperwork.

Our Services

Comprehensive Financing Solutions to Fuel Your Business Growth

Equipment Financing

Get funding to purchase equipment for you business to keep on growing.

Working Capital

Quick and simple cash available for any business purpose.

Term Loan

Our specialists will tailor a business loan to fit your needs.

SBA Loan

Lowest rates available with an SBA 7a,504,or express loan.

Employee Retention Tax Credit (ERTC)

If your business had employees through 2020 and 2021 you may qualify for up to $26,000 per employee.

Invoice Factoring

Get paid upfront for your 30-60 or 90 day old invoices.

Business Line of Credit

A Business Line of Credit lets you borrow as needed up to a set limit. You pay interest only on what you use.

Real Estate Finance

Real Estate Finance helps you fund property purchases up to an approved amount. You pay based on your loan terms.

Credit Card Processing

Credit Card Processing lets businesses accept card payments from customers. Funds are securely transferred to your account.

Our Blogs

Latest blog & news

Testimonials

What Our Clients Say

Don’t just take our word for it—see what our clients have to say about working with us.

Universal Merchant Credit Application

Easy-to-fill form asking for business details, loan amount, and contact information. Simple, clean design with a progress bar for multiple steps.

Merchant Information (Please Complete All Information Below Accurately)
Legal Form of Entity & Authorized Signer
Information on Principal Owner/Loan Guarantor (Required)
Credit Authorization, Consents and Certifications

The Company and the undersigned principal owner of the Company identified above ("Applicant") represents, acknowledges, and agrees that (1) all information and documents provided to ARF Financial ("Provider") are true, accurate, and complete, (2) Applicant will immediately notify Provider of any change in Applicant's financial condition, (3) Provider is authorized to submit this Application and all supporting documents provided by Applicant to its’ affiliates, representatives, successors, assigns, designees, agents, partners, and third-party financial institutions for the purpose of considering commercial financing offers to Applicant (collectively "Recipients"), (4) such Recipients are authorized to request and receive any investigative reports, consumer credit reports, statements from creditors or financial institutions, verifications of information, or any other information that Recipients deem necessary in considering this Application, (5) the undersigned represents that they are authorized to sign this form on behalf of the Company, and (6) THE COMPANY AND PRINCIPAL CONSENT TO RECEIVE CALLS, TEXTS, AND EMAILS FROM PROVIDER AND RECIPIENTS BASED UPON THE CONTACT INFORMATION OF APPLICANT PROVIDED IN THIS APPLICATION.

Signature by Merchant Authorized Signer & Loan Guarantor