Company overview
Direct lender · HQ · Beverly Hills, CA
Term loanLine of credit
ARF Financial LLC is a direct lender providing unsecured business loans and lines of credit to small businesses nationwide, with a historic focus on restaurants, hospitality, and retail. Founded in 2001, ARF partners with state‑chartered community banks to deliver larger approvals and longer fixed terms than typical MCAs, with fast approvals and funding. Flagship products include the BANKROLL revolving line of credit and interest‑only options, with loan amounts up to $1.5M and terms up to 36 months.
Company focus
- Business role
- Direct lender
- Headquarters
- Beverly Hills, CA
- Founded
- 2001
- Employees
- 51-200
- Excluded industries
- Adult Entertainment, Cannabis/THC/CBD, Firearms/Ammo/Weapons, Convenience Stores, Gas Stations, Construction, Real Estate Brokers, Gyms/Personal Trainers, Jewelry Stores, Trucking
- Specialties
- Focus on restaurants/hospitality with nationwide coverage, BANKROLL revolving line of credit (up to $1.5M, up to 36-month term), Interest-only line of credit option, Fast approvals (often 24–48 hours) and funding in as little as ~3 days, Flexible repayment with fixed weekly payments and early payoff options, Ability to work with borrowers who have up to two existing cash advances
Reported eligibility
- Reported score (scale not specified)
- 45
- Monthly revenue from
- $17,000
- Time in business (months)
- 1
- Maximum positions
- 2
Funding & terms
- Funding from
- $5,000
- Funding up to
- $1,500,000
Third-party reputation
- Reported research
- BBB rating A+, not BBB accredited; Trustpilot rating 4.6/5 from 286 reviews; licensed by California DFPI (License No. 6037958); no regulatory actions found.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.