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.

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.

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The Good

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

Young Company with no BBB Rating
In comparison to some banks that have been around for 100 years or more, ARF Financial is a young institution with 15 years of experience. As such, ARF lacks the credibility of an established institution, but answers this issue by partnering with banks. Additionally, ARF Financial is not a BBB accredited business and does not have a listed BBB rating.

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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