Who is ARF?
Why use ARF?
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: 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 use ARF?
A: Adding a partner to your business can cost you valuable equity and could mean a loss of control. Other cash providers that receive their payback through credit card sales and/or membership programs can create cash flow consequences and accounting nightmares. Don’t lose control of your business! Use ARF and get the cash you need without all that hassle.  Want more? How about some of the most competitive rates in the industry, a simple and quick approval process, and flexible financing options?  To lean more of the benefits of doing business with ARF, click here.

Q: How does the ARF program work?
A: Our program provides maximum flexibility with minimal hassles and loan amounts up to $1,000,000 per location. Choose your term starting at 20 weeks and in some cases extending to 104 weeks with numerous terms in between and pay off anytime you like. We have a streamlined application process, require minimal documentation, and fund quickly – often in as little 5 to 7 business days. We never require collateral, and we never interfere with your credit card stream.

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, and they may require you to change your credit card processor. ARF requires no change in your credit card processor and does not interfere with your credit card stream.

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 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 your sales growth by simply repaying your cash advance back using your existing customer base.  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. Cheaper, Simpler, More Flexible Financing is all we do!

Q: How much cash can I get and how do I qualify?
A: We use actual gross sales to determine your loan amount. Potential loan amounts vary from 4% to 11% 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 $132,000. 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. 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.