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A business line of credit is a flexible financing option that allows businesses to borrow funds up to a predetermined limit. It works like a credit card: you can borrow, repay, and borrow again as needed, paying interest only on the amount borrowed. 

SBA 7 (a) is a government-backed loan program designed to help small businesses access financing for a variety of purposes, including working capital, equipment purchases, and real estate acquisition. It offers favorable terms and longer repayment periods compared to traditional loans. 

A merchant cash advance (MCA) is a higher-interest financing option where a business receives a lump sum cash loan in exchange for a percentage of its daily credit card sales, plus a fee. Repayment is typically made by automatically deducting a portion of the business' s daily credit card sales until the advance, plus fees, is repaid. 

An equipment finance loan is a type of financing specifically used to purchase machinery or equipment for a business. It is secured by the equipment itself, which serves as collateral. The loan proceeds are typically used to purchase or lease equipment, and repayment terms are based on the useful life of the equipment. 

Asset-based lending is a form of financing where a company uses its assets, such as accounts receivable, inventory, or equipment, as collateral to secure a loan. The amount of funding is typically determined by the value of the company's assets. It's a flexible option for businesses with valuable assets but may have difficulty obtaining traditional business loans due to factors such as credit history or cash flow fluctuations. 

 Fix and flip loans are short-term loans used by real estate investors to purchase and renovate properties with the intention of quickly selling them for a profit. These loans typically cover the purchase price and renovation costs, and they’re based more on the property’s potential value after renovation rather than the borrower’s creditworthiness. Once the property is sold, the loan is repaid along with any interest accrued during the loan term. It’s a common financing option for investors flipping houses. 

Business bridge loans are short-term loans designed to provide immediate financing for a company’s pressing needs while awaiting a more permanent financing solution or a financial event, like an equity investment or a longer-term loan approval. They can be used to cover expenses such as payroll, inventory purchases, or operational costs during a transitional period. Bridge loans typically have higher interest rates and shorter terms than traditional loans, and they’re often secured by the company’s assets or expected cash flows. They offer temporary funding to bridge the gap until longer-term financing is secured. 

Interest-only business flex pay loans allow businesses to make lower monthly payments by only paying the interest portion of the loan for a specified period, typically the first few years of the loan term. This option provides temporary relief by reducing the initial financial burden, making it easier for businesses to manage cash flow during the early stages of a project or investment.  

Our loans can provide quick access to loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year! Even bettter, 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’ve created the perfect safety net – a built-in rollover amortization up to 2 years.

An interest-only revolving line of credit allows businesses to access funds up to a predetermined limit and only pay interest on the amount borrowed. It’s a flexible financing option that offers ongoing access to funds as needed, with the ability to repay and borrow again without reapplying for the loan. This type of credit line provides businesses with financial flexibility and can be used for various purposes, such as managing cash flow or financing short-term projects.

Our Interest-Only Revolving Line of Credit (IO-Bankroll) gives you the power to do more! Whether it’s financing a growth opportunity, an expansion project, a new location, higher labor costs, new equipment, or investing in new technology, IO-Bankroll is your solution. With LOW, interest-only payments for up to a year and approvals in 24 to 48 hours on amounts up to $1 million, ARF Financial’s IO-Bankroll Revolving Line of Credit is unmatched. The 11-month revolving period gives you the flexibility to draw funds and pay down your principal balance as often as you need. Couple that with fixed terms up to 3 years and IO-Bankroll becomes a powerful tool for business growth and increased profitability.