ARF Financial

Business Lines of Credit up to $1,000,000

ARF Financial offers several types of lines of credit for business owners with low credit scores. With credit limits up to $1 million and fast approvals; ARF Financial offers a popular solution for all business types.

Revolving Line of Credit (Bank Roll)

Approvals up to $1 million

Repayment terms up to 36 months

Interest Only Revolving Line of Credit ( IO-BankRoll)

Approvals from $200k - $1 million

Pay interest only for up to 1 year

Repayment terms up to 36 months

Interest Only Flex Pay Loan 

Approvals from $50k - $750,000

Pay interest only for up to 1 year

LOC available during interest-only period

Requirements:

  • 30 days in business
  • Minimum monthly revenues of $17k ($200k annually)
  • Minimum 551 Equifax credit score (soft pull only)

Business Credit:

  • Builds business credit

CLICK HERE to apply

Instructions - Complete the pre qualification questions. During the application process online you will need to either connect your business bank account via Plaid (read-only access) OR upload 3 months' business bank statements. If qualified you will be presented with soft offers(s) for the lines of credit you qualify for.

  • 1

    Remember - Bank & Lender Relationships

    At level 3 you should already have 10+ tradelines reporting from Level 1 and Level 2 combined. At level 3 it's key to establish multiple bank and lender relationships by maximizing your funding potential.

  • 2

    Tip - Leverage Newly Established Lending Relationships

    When you get a business line of credit it’s important to use that account on a periodic basis. Wait at least 6 months before requesting a credit limit increase or applying for a new funding product offered by a lender you have an existing business credit line with.

  • 3

    Tip - Payment Activity

    Always pay your bill on or ahead of the due date. Paying better than terms is ideal since this can improve your credit rating even more. Plus, a lender will always review your existing account history when you apply for more business credit or business loan with them.