How does the ARF program work?
Will the payback with ARF be tied to my credit card sales?
Do I have to participate in any marketing or rewards programs to get cash from ARF?
How much cash can I get and how do I qualify?
How do I get the money?
How does ARF get paid back?
How do I apply?

Q: How does the ARF program work?
A: We’ve created a simple, affordable and flexible approach to providing working capital of $5,000 to $500,000. You’ll receive the cash fast; in 5 to 7 business days from completion of an application!  We provide some of the most competitive rates in the industry.  With ARF, choose a payback schedule that works best for your business. Choose one of our standard 26, 40 or 52 week commercial loan packages, or let us create a custom package starting from 4 weeks and up. If your business has seasonality issues and needs cash flow relief during your slow periods, we offer seasonal amortization payment schedules for those merchants who qualify. If you need business financing, call us!

Q: Will the payback with ARF be tied to my credit card sales?
A: No. Many cash advance companies receive their payback by deducting up to 30% from your daily Visa® and MasterCard® sales. They may require you to change your credit card processor. ARF requires no change in your credit card processor! Why let some other company dictate who you use to provide your business’ critical services?

Q: Do I have to participate in any marketing or rewards programs to get cash from ARF?
A: No.  We do not require you to sign up for any 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 your sales growth by simply repaying your cash advance back using existing customers.  Why let some other company reap the benefits of your hard work?  Our philosophy is simple; we offer you lower and more cost effective rates, with paybacks that are easy to understand, and provide you financing flexibility. Cheaper, Simpler, More Flexible Financing is all we do!

Q: How much cash can I get and how do I qualify?
A: Our loan options include new (under 1 year) and existing businesses. We utilize actual gross sales to approve your loan amount.  Potential loan amounts vary from 4% to 8% of annual sales (based upon current or projected sales) and credit worthiness.  Example: If your average monthly sales volume is $100,000 or $1,200,000 annually, your potential loan amount is $48,000 to $96,000. If sales increase over time, you may qualify for additional cash. All loans are subject to ARF‘s standard underwriting criteria. 

Q: How do I get the money?
A: After your loan is approved, we typically wire transfer the loan proceeds directly to your business account. The wire method is quick and efficient, normally executed within two to three business days of approval. A traditional check can be mailed to you if you prefer. Disbursement options are available to pay vendors directly for equipment purchases. This enables you to free up cash for other important purchases and expenses.

Q: How does ARF get paid back?
A: Simply.  Once a week we process an ACH debit from your authorized business checking account. This ACH debit remains the same over the term of your loan. You’ll know what to expect and can set your budget accordingly. We don’t require automatic renewals or continued commitments once your loan is paid, but if you choose to renew, the process is quick and easy!

Q: How do I apply?
A: Apply Now, call us at (866) 702-4430, Email Us, or Request that We Call You, and speak to an ARF financing professional in your area.  From there, we can establish your loan needs and start the process.  You’ll be asked to fill out a simple loan application form and provide 3 months of your most current credit card and bank statements to document sales. Once submitted, we will do the rest. Proceeds can be wired directly into your bank account. The whole process is easy and typically takes five to seven business days!

*Loan approval, loan amount and interest rate are based upon applicant’s credit worthiness and ARF’s standard underwriting guidelines.