Established in 2001, ARF Financial LLC is headquartered in San Mateo, California, with licensed affiliate offices in Sunrise, Florida, Tallahassee, Florida, and Houston. 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.

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The Good

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. Benefits with ARF Financial include:

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 10 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

Despite providing loan options for businesses, there are some drawbacks to their financial solutions as well. Prospective borrowers should be aware of the following items prior to signing off on an ARF loan:

Short-Term Loans

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.

Strict Credit Score Requirements

Because ARF Financial offers short-term business loans from $5,000 to $1 million without putting any property collateral on the line, ARF is stricter with credit score requirements than some lenders.

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 stricter credit score requirements than other lenders in the industry.

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