ARF Financial LLC

Founded in 2001, ARF Financial LLC is a financial services company that specializes in providing short-term, unsecured business loans and lines of credit. It operates as a direct lender, partnering with a national network of community banks to offer financing solutions primarily to merchants in the restaurant, retail, and hospitality industries, among others. The company prides itself on a simple application process, fast funding decisions (often within 24-48 hours), and more flexible terms compared to traditional bank loans or merchant cash advances.