CHEAPER - ARF can secure you some of the most competitive rates in the industry. Also, since the working capital you will receive is a loan, the interest you pay is tax deductible, further lowering the net effective rate you are paying for your funds.

SIMPLER - Our loan process is easy and we fund quickly; typically within five business days of a completed application. Since we don’t collect payments from your credit card receipts, you keep a greater percentage of your revenue as your sales increase, and we don’t create any accounting headaches.

MORE FLEXIBLE - Unlike other working capital providers, we allow you to pay off your loan early, increasing the flexibility of your financing options. We also consider seasonal amortizations for those merchants who qualify.

In addition, we are a licensed finance company and regulated by the State of California, so you can feel confident doing business with us. Also, our nationwide staff of financing professionals are employees, not contractors, so you can be comfortable knowing that we will answer all of your questions fully and completely, and that we will be there after the loan funds to service you personally.

Finally, we understand the special challenges faced by small and medium-sized business owners, so we specialize in businesses with less than perfect credit. Click here to see more benefits of doing business with ARF.