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Specialty Lender

ARF Financial

Revenue-based funding for businesses in industries underserved by traditional lenders.

$5,000 - $200,000

Funding Range

24-48 hours

Funding Speed

$8,000

Min. Monthly Revenue

No minimum

Credit Requirement

About ARF Financial

ARF Financial provides business loans and working capital to small businesses, particularly those in industries that may be underserved by traditional lenders. They focus on revenue-based qualification.

Founded 2007Phoenix, AZ

Requirements

Time in Business

6 months

Min. Monthly Revenue

$8,000

Credit Score

No minimum

Factor Rate

1.15 - 1.45

Industries Served

Retail
Restaurants
Auto Repair
Medical
Construction

Pros

No minimum credit score
Fast funding available
Revenue-based qualification
Works with underserved industries

Cons

Higher rates for riskier profiles
Shorter repayment terms
Daily repayment structure

How to Apply to ARF Financial

Before applying to ARF Financial, check your qualification first. Upload your bank statements anonymously — see what an underwriter would think before any lender sees your file. Know your risk flags, understand your position, and only apply when your file is strong.

Ready to See If You Qualify?

Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.