Get The Capital Your Business Deserves

Get $50,000 - $1.500,000 Million In 5 - 7 Business Days.  —  Get $50,000 - $1.500,000 Million In 5 - 7 Business Days.  —  Get $50,000 - $1.500,000 Million In 5 - 7 Business Days.  —  Get $50,000 - $1.500,000 Million In 5 - 7 Business Days.  —  

We provide proprietary funding capital designed exclusively for business owners. Our unique funding solutions deliver the capital your business needs to grow, scale, and seize opportunities — with flexible terms and revolving credit lines that put you in complete control.

Ultimate Revolving Line of Credit
Interest-Only Revolving Line
Elevate Premier Revolving
Interest-Only Flex Pay Loan
$1.5M
Max Line Approval
Interest-Only
Up to 1 Year
Unlimited
Draws & Paydowns
5-7 Days
Funding Timeline
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#1 Funding Solution

Ultimate Revolving Line of Credit

Your business is always evolving. Wouldn't it be great to have access to a financial product with the flexibility to evolve with it? Now you do!

Our new Ultimate Revolving Line of Credit provides the MAX loan approval up to $1.5 Million, a fixed loan term up to 36 months, and a fixed weekly payment — plus the flexibility of unlimited draws and partial principal paydowns for up to a year and/or borrow additional funds on an unlimited basis!

With Bankroll you only pay for what you use and you're in complete control based on your unique business needs that may change over time! And, it provides early payoffs without penalty anytime during the loan!

Ultimate Revolving Line of Credit
$1.5M
Max Approval

Industry-Leading Features

Max approval amounts up to $1,500,000 with minimum initial draw of only $5,000

Max amortizing term up to 36 months with low, fixed weekly payments

A revolving period up to 1 year (52 weeks)

Unlimited draws of $5,000 or more during the revolving period

Unlimited partial principal paydowns of $5,000 or more during revolving period

Every payment made and partial principal paydown frees up line availability

Finance charges accrue and are collected weekly

Closing points only charged on cash out

Pay off or pay down with no penalties, maintenance fees or prepayment fees

Ready to Access Your Revolving Line of Credit?

Get pre-qualified in minutes. No impact to your credit score. Flexible terms designed around your business.

Start Funding Request
#2 Funding Solution

Interest-Only Revolving Line of Credit

Interest-Only Revolving Line of Credit
$1.5M
Max Approval

With today's inflationary instabilities and supply chain debacles, now more than ever business owners must be financially prepared to pivot at any moment. That means quick access to the most affordable capital is essential to keep pace with the challenges they face.

We understand those changing needs and have recently introduced a new Interest-Only Revolving Line of Credit to help businesses maneuver as quickly as the market changes. Clients only pay the interest on their outstanding balance for up to a year and can draw funds or make partial principal payments as often as they want during the revolving period.

This ensures the client is in complete control of their finances based on the business's changing needs.

The Unique Benefits Of — Interest-Only Revolving Line of Credit

Approvals from $200K up to $1.5M with a minimum initial draw of 25% of the approval

SAVE BIG! Pay only the interest on the outstanding balance for up to 1 year

Amortizing terms up to 3 years with the lowest, fixed payments

Unlimited draws of $10,000 or more during the revolving period

Unlimited partial principal paydowns of $10,000 or more during revolving period

A revolving period up to 11 months (48 weeks)

Partial principal paydowns free up line availability

Ready For Interest-Only Flexibility?

Minimize your payments while maximizing your capital. Pay only interest for up to a full year — apply now with no credit impact.

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#3 Funding Solution

Elevate Premier Revolving Line of Credit

Take your business financing to the next level with the Elevate Premier Revolving Line of Credit. Designed for established businesses that demand elevated financial control and maximum capital access.

This premier product delivers an 8-week interest-only payment cushion right at the start — effectively lowering your initial payments by 67%* — while still giving you the full flexibility of unlimited draws and principal paydowns.

With approvals up to $1.5 million, repayment terms stretching up to 3 years, and a revolving period of up to 12 months, Elevate Premier is built for businesses that refuse to compromise on capital or control.

Elevate Premier Revolving Line of Credit
$1.5M
Max Line Approval

Industry-Leading Features

Elevated Financial Control Features 8 weeks of interest-only payments — a built-in cushion, lowering payments by 67%*

Larger Loan Amounts with line approvals of up to $1.5 million

Flexible Terms with repayment terms up to 3 years and a revolving period up to 12 months

Unlimited Draws and Partial Principal Paydowns with $5,000 minimum as often as you like during the 1-year revolving period

*67% payment reduction calculated over the initial 8-week interest-only period compared to a fully amortizing payment on the same principal balance. Actual savings may vary based on loan terms and approval amount.

Ready to Elevate Your Business Capital?

Experience premier-level financing with built-in payment cushions and unmatched flexibility. Apply now with no impact to your credit.

Start Funding Request
#4 Funding Solution

Interest-Only Flex Pay Loan

Interest-Only Flex Pay Loan
$750K
Max Loan Amount

Our Interest-Only Flex Pay Loan has been better than ever. We believe growing your business shouldn\u2019t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn\u2019t have to.

Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year. Even better, it also carries a Line of Credit with unlimited draws for up to a year.

After the interest-only period, you have the option to pay the principal, or we\u2019ve created the perfect safety net \u2013 a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!

How The Flex Pay Loan Works

The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).

Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).

The product now carries a line of credit available for the entire interest-only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount taken.

During the line of credit period, you may take unlimited draws of $25,000 or more up to your maximum loan approval amount.

You can even take your initial loan amount via several draws on consecutive business days to allow for ease of early payoff when funds become available. The minimum first draw is $50,000 with unlimited subsequent draws of $25,000 or more. Each IO Flex Pay Loan (or draw) will have minimum finance charges due for the entire interest-only period upon early payoff.

Unique Advantages of our Interest-Only Flex Pay Loan

Loan amounts are available from $50,000 to $750,000

Rates start as low as 15% with up to 1 year of low, interest-only payments

Product now carries a Line of Credit with 24-hour access to unlimited drafts (of $25K or more)

When interest-only period is completed, there’s a built in safety net rollover amortization of 18 to 24 months

After completion of application, approval to loan funding in as little as 3 business days

Ready for Flexible, Interest-Only Funding?

Borrow with confidence using built-in safety nets, unlimited credit line draws, and lightning-fast approvals. Apply now with no impact to your credit.

Start Funding Request
Qualification Requirements

Underwriting Criteria

Our Approved Industries — See If Your Business Qualifies For Funding

Business Type

Must be a brick and mortar business — no home-based operations accepted.

Operating History

Open and operating for at least one month (30 days).

Minimum Annual Sales

$200,000 minimum annual sales ($17,000+ monthly average).

Personal Credit Score

Guarantor with a personal Equifax credit score of 575 or higher.

Credit Soft Pull For Pre-Qualification

We perform a soft credit pull that does not affect your credit score for initial pre-qualification.

Outstanding Advances

Client may have a maximum of 2 outstanding cash advances.

Single-Entity Max

Merchants may qualify for up to $600,000 (single entity).

Multi-Entity Max

Merchants may qualify for up to $900,000 (multi-entities).

Meet The Criteria? Apply Today

If your business checks these boxes, you could be pre-approved in as little as (24) hrs. and funded in (5 - 7) business days. No impact to your credit for applying. (Credit Soft Pull).

Start Funding Request
ARF Financial Business Capital Funding

100+ Approved Industries

We Fund A Wide Range Of Businesses — See If Your Industry Qualifies

Accountant
Acute Care Facility
Aerospace
Assisted Living Facility
Alternative Energy Production
Architect
Architectural Services
Auditory Center
Automotive Parts Store
Automotive Repair
Automotive Services
Bakery
Bar / Tavern
Barber Shop
Beauty Salon
Bed & Breakfast
Bicycle Shop
Book Store
Bottling & Distribution
Bowling Alley
Brewery
Cafe in Fitness Center
Cancer Radiology Center
Cancer Treatment Facility
Candy Store
Car Wash
Caterer
Cheese Store
Chemical & Related Manufacturing
Chiropractor
Cigar Store
Clinic
Coffee Shop
Coin-Operated Laundries
Commercial Inspection Services
Commercial Janitorial Services
Commercial Landscaping Services
Communication Company
Computer Software
Cosmetic / Plastic Surgery
Defense Contractor
Defense Electronics
Dentist
Diagnostic Imaging Center
Diners
Distillery
Doctor
Drug Manufacturing
Dry Cleaner
E-Commerce
Electrical Contractors
Electronic Store
Electronics Manufacturing
Engineer
Endodontist
Florist
Food Gift Basket Store
Food Manufacturing
Food Processing & Sales
Funeral Homes
Gift Store
Gourmet Food Store
Gourmet Popcorn Store
Grocery Store
Ham Store
Hardware Store
Healthcare Professional
Home Healthcare
Hospital
Hotel
HVAC Contractors
Ice Cream / Yogurt Store
IT Hardware Sales
IT Services
Legal Services
Liquor Store
Locksmith & Security
Mail & Package Store
Mall Food Outlet
Manufacturing
Meat Processing & Products
Medical Equipment
Medical Services
Medical Spa
Medical Supplies
Motel
Nail Salon
Nightclub
Nursing Home
Nutritional & Dietary Supplies
Optical / Vision Store
Orthodontist
Periodontist
Pet Store
Pharmaceuticals & Health Products
Pharmacy
Photo Studio
Physical Rehabilitation
Plumbing Contractors
Prepackaged Meals
Printing & Publishing
Professional Sports Equipment
Quick Copy / Printing
Radio Station / Services
Restaurant
Retail Store – Other
Smoothie Shop
Spa
Sporting Goods Store
Steel Fabricator
Steel Production
Trash Collection & Waste Management
Urgent Care Facility
Veterinarian
Wholesale
Winery

See Your Industry Listed?

If your business type is on our approved list and you meet our underwriting criteria, you could be funded in as little as 3 business days.

Start Funding Request
What You'll Need To Apply

Documentation Required

Gather these items in advance to speed up your funding approval. Our team will guide you through every step.

Tax Returns

1

2024 - 2025

NAIC code included

Guarantor ID's

2

Driver's License

+ 2nd ID per guarantor

Lease Agreement

3

Current lease

+ 3 months canceled rent checks

Bank Statements

4

6 months

Or Plaid connection

Merchant Services

5

Last month

Most recent statement

Business License

6

Active license

Current and valid

Voided Check(s)

7

Business bank account

For funding disbursement

Revenue Info

8

Monthly / YTD

Current revenue figures

Housing Status

9

Homeowner or renter

Current status

Tax ID

10

EIN or SSN

Business tax identifier

Funding Goal(s)

11

Loan purpose / amount

What you need and why

Current Debt(s)

12

Lender names & balances

Or attach debt schedule

W2 Employee Count

13

Approximate if known

Number of W2 employees

Pro Tip: Prepare Ahead

Having these documents ready can reduce your approval time from days to hours. Our funding specialists will review everything with you during your 24-hour callback.

GET YOUR BUSINESS FUNDING RIGHT AWAY!!!

Complete Our Business Funding Application To Get Started With Your Personalized Capital Strategy. Takes Just 5 Minutes!

Upon Submission Of Your Application You Will Be Contacted Within (24) Hrs. To Review Your Funding Eligibility.

Important Note

Complete Our Business Funding Application To Get Started With Your Personalized Capital Strategy. Takes Just 5 minutes! Also Upon Submission Of Your Application You Will Be Contacted Within (24) Hrs. To Review Your Funding Eligibility. Please Note That Any Information That Does Not Apply To You On The Form Simply Type N/A

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Secure form submission
24-hour response guarantee
Free funding consultation