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ARF Financial

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LAST UPDATED: September 10th, 2019

Established in 2001, ARF Financial LLC is headquartered in San Mateo, California. ARF Financial provides short-term, unsecured business loans and lines of credit for merchants and retailers in all 50 states. ARF has more than 80 employees, 30 of which originate loans throughout the country. Consumers that choose ARF should remember that they must have a credit score of 550 or higher.

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The Good

  • Works with a Broad Range of Banks
  • Collateral Not Required
  • Quick and Easy Application Process
  • Diversity of Products and Industry Focus

Works with a Broad Range of Banks

ARF Financial works with a broad range of banks to provide funding to businesses. As such, ARF is able to underwrite loans-large and small-that banks usually don't have the time (or desire) to address. ARF Financial has lent money to more than 6,000 businesses, including Burger King, Jiffy Lube, McDonald's, Radio Shack, Holiday Inn, Sonic, and many more.

Collateral Not Required

Unlike most other lenders, ARF Financial does not require collateral on loan amounts up to $725,000. This is due to ARF's loan payout structure. Rather than provide a single payment of the entire loan amount, the lender splits payments into five parts and makes ACH deductions from the business's account.

Quick and Easy Application Process

ARF's website is informational and easy to navigate, including a short online survey to generate a free, online quote. Business owners fill out basic contact information, type of business, time in business, annual sales and credit score. An ARF employee then reaches out with a free quote, and money is wired within seven to ten business days. The entire process requires very little paperwork.

Diversity of Products and Industry Focus

ARF Financial offers a diverse range of loan products including:

  • Working capital loans
  • Lines of credit
  • Bridge loans
  • Mezzanine loans

In addition, ARF provides flexible financing options to a broad range of businesses in the following sectors:

  • Restaurants, bars, and taverns
  • Hotels, motels, and inns
  • Automotive repair and service
  • Doctors, chiropractors, dentists, and orthodontists
  • Salons and spas

The Bad

  • Short-Term Loans Only
  • Lack of Transparency

Short-Term Loans Only

Most of ARF's unsecured business loans are on 6 to 36 month terms, allowing for lower payments over longer terms. However, for businesses that need longer payoff terms, ARF is not the most favorable lender.

Lack of Transparency

There is a great lack of transparency with ARF, they are missing pertinent information that any potential client would need to know. We would like to see more information regarding funding, APR range, fees, and requirements.


The Bottom Line

If you're looking for a short-term business loan under $725,000 without putting any collateral on the line, ARF Financial is a good option to consider-especially if your business falls within ARF's line of industry focus. However, bear in mind that ARF may have less flexible repayment terms and is lacking a great deal of information. We cannot recommend working with ARF Financial at this time.

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Tyler Morit College Park, MD

Absolutely piss poor customer service as the previous review mentioned with continuous transfers and frustrating support team. Takes forever to get through what you need when you call but when they call you, oh man is it a different story. Complete scam of a company that calls endlessly to fein that they care about you. Is clearly all about the money with these people (as it should be, they are a business that needs profit) but they could at least do well in other areas.

5 years ago

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Steven Stewart, TN

The process was easy – terms were fair and honest.

5 years ago