Who is ARF?
Why partner with ARF?
Does ARF have more than one level of partnership?
Is the merchant’s payback with ARF tied to credit card sales?
How does ARF get paid back?
Does the merchant have to participate in any marketing or rewards programs to get cash from ARF?
How do I find out more?

Q: Who is ARF?
A: Advance Restaurant Finance, LLC (ARF) is a California Licensed Finance Lender based in San Mateo, California.  ARF specializes in providing working capital for restaurants, small businesses, boutique hotels, retail establishments and hospitality businesses. 

Q: Why partner with ARF?
A: Many reasons, but the most important may be merchant retention!  Unlike other working capital providers, our customers do not need to change their credit card processor to access needed cash, and our partners play no role in the collection of our loan payments.   That important advantage allows ARF to protect our partners from merchant defection when their merchants are looking for working capital.

Second, our partners earn some of the highest, if not the highest commissions in the industry – on new business as well as renewals.  In addition, our loan process is easy and we fund as fast or faster than anyone in the industry, sometimes in as little as three business days once paper work is completed.

Also, we have a large, professional, captive sales force, so your merchant is met and guided through the loan process by a financing professional that is a direct employee of ARF.  Our ARF financing professionals also personally service the account through the life of the loan.  This means less work for your sales rep as well as a positive loan experience for your merchant. 

Q: Does ARF have more than one level of partnership?
A: Yes, we have two levels of partnership, the level of partnership that is best for you will depend on your size and business model.   Click here to find out more about ARF’s partnership options.

Q: Is the merchant’s payback with ARF tied to credit card sales?
A: No. Many cash advance companies receive their payback by deducting up to 30% from the merchant’s daily Visa® and MasterCard® sales. They may require merchants to change their credit card processor, and loan amounts are based solely on the merchant’s Visa and MasterCard sales. ARF requires no change in the merchant’s credit card processor, and loan amounts are based on the merchant’s total annual sales!

Q: How does ARF get paid back?
A: Simply.  Once a week, we process an ACH debit from the merchant’s authorized business checking account. This ACH debit remains the same over the term of the merchant’s loan. The merchant knows what to expect and can set their budget accordingly. We don’t require automatic renewals or continued commitments once the loan is paid, but if the merchant chooses to renew, the process is quick and convenient! In addition, since we make and place actual loans (no factoring here!), your merchant’s interest is tax deductible, reducing the net borrowing cost on our competitive lending rates.

Q: Does the merchant have to participate in any marketing or rewards programs to get cash from ARF?
A: No.  We do not require merchants to sign up for an unwanted marketing or rewards type program that relies on either a registered card platform or credit card transactions to receive working capital. Often times, these types of programs have hidden costs involved like funding tax and tip, or they cannibalize merchant’s sales growth by simply repaying the cash advance back faster.  Our philosophy is simple; we offer merchant’s lower and more cost effective rates. Cheaper, Simpler, More Flexible Financing is all we do!

Q: How do I find out more?
A: Call us at (866) 702-4430 or email us to find out what partnering with ARF can do for your organization.