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.
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.
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.
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.
ARF Financial offers a diverse range of loan products including:
In addition, ARF provides flexible financing options to a broad range of businesses in the following sectors:
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.
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.
Tyler Morit College Park, MD
3 years ago
Bridget Kelly San Francisco, CA
4 years ago
Reply from ARF Financial
Apr. 24th, 2019
Steven Stewart, TN
3 years ago