Short Term Loan Programs
INTEREST-ONLY FLEX PAY LOAN
Interest-Only Flex Pay Loan ADVANTAGES
Interest-Only Flex Pay Loan
United Financing Service has long had the most aggressive interest-only product in the marketplace, our Interest-Only Flex Pay Loan. Well, we decided to make it even better. We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn’t 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’ve created the perfect safety net – a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!
Interest-Only Flex Pay Loan ADVANTAGES
Interest-Only Flex Pay Loan ADVANTAGES
Interest-Only Flex Pay Loan Advantages
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 will now carry a line of credit available for their 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.
Flex Pay
Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!
Defer Up to 50% of Your Loan Principal for the Lowest Payment Now
Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds they need. Flex Pay solves that problem. United Financing Solutions Flex Pay Loan allows you to defer up to 50% of your loan principal into the future, resulting in dramatically lower loan payments now!
Things like renovations, remodels, additional locations, equipment purchases, and partner buyouts are not out of reach.
Not any more! Our Flex Pay Loan is the perfect solution to fund your project, get it completed and begin earning a positive return on your investment now without the stress to your cash flow!
Flex Pay also has a unique early pay off option designed to minimize your interest costs.
Couple this flexibility with our 6-month Line of Credit and the Flex Pay solution becomes even more powerful!!
Flex Pay ADVANTAGES
Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!
Flexibility with our 6-month Line of Credit and the Flex Pay solution becomes even more powerful!!
Defer Up to 50% of Your Loan Principal for the Lowest Payment Now
Flex Pay also has a unique early pay off option designed to minimize your interest costs.
Working Capital Loans
Working Capital Loans
Our Working Capital Loan is ideal for business owners who are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? When you feel cash is tight and your business lacks the funds necessary to keep everyday operations running smoothly, know that ARF Financial has your back. Our goal is to give your business the boost it needs to get back on track by providing quick access to the financing you need to overcome these short-term challenges while gaining momentum for long-term success!
What is a Working Capital Loan?
A working capital loan is a financial product designed to help restaurant and small business owners fund their everyday business operations.
Working capital loans from United Financing Solutions can provide the funding your business needs without the long wait of a traditional bank or the hidden fees and payment surprises of a merchant cash advance.
Our approval process is streamlined with minimal documentation, and funding can occur in a matter of days!
Our loan terms are fixed so your payments won’t fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you’re looking to infuse your business with cash quickly, United Financing Solutions working capital loans are just the thing you need!
Working Capital Loans ADVANTAGES
Working Capital Loans ADVANTAGES
The financing we provide is a true bank loan not a merchant cash advance.
That means payments are fixed and won’t go up when credit cards sales increase.
Limited paperwork
We provide longer repayment terms – up to 36 months.
Apply online and get approved fast with fundings in less than a week.
All our loans come with 24-hour access to a renewable line of credit.
The interest you pay is tax deductible, further lowering your cost of funds.
There are no hard credit pulls so your credit score won’t be affected.
Less than perfect credit is not a barrier to get approved.
Short term Loan Programs continued
Bridge Loans
Bridge to Traditional Financing
The affects of the pandemic are starting to subside. Things are beginning to return to normal. Consumer confidence is on the rise. New opportunities are on the horizon. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have the solution. ARF Financial has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while working with your bank to secure traditional funding sources such as an SBA loan. You can access amounts up to $1,000,000 with repayment terms up to 36 months!
What is a Bridge Loan?
A Bridge Loan is a financial product that functions as a short-term amortizing loan to facilitate growth projects or investment opportunities that are expected to generate high returns. Small businesses, particularly in their early phases, are often presented with new opportunities, but often can’t take advantage of them due to a lack of capital. Owners and entrepreneurs can experience immense pressure to cover every-day operating costs while investing in projects that can take their business to the next level. When faced with this concern, it can be difficult to put business acumen and innovative ideas into action. Bridge Loans are an ideal solution to open the door to new opportunities without cannibalizing cash flow.
Business Types We Lend To
PREFERRED INDUSTRIES – B2C
EXPANDED PORTFOLIO INDUSTRIES – B2B
EXPANDED PORTFOLIO INDUSTRIES – B2B
- Acute Care Facility
- Auditory Center
- Automotive Parts Store
- Automotive Repair
- Automotive Services
- Bakery
- Caterer
- Bar
- Barber Shop
- Bed & Breakfast
- Bicycle Shop
- Book Store
- Bowling Alley
- Cafe
- Cancer Radiology Center
- Candy Store
- Car Wash
- Cheese Store
- Chiropractor
- Cigar Store
- Coffee Shop
- Cosmetic Surgery
- Dentist
- Diagnostic Imaging Center
- Diner
- Doctor
- Endodontist
- Florist
- Food Gift Basket Store
- Food Popcorn Store
- Grocery Store
- Hair Salon
- Hardware Store
- Home Healthcare
- Hospital
- Hotel
- Motel
- Nail Salon
- Nutritional & Dietary Supplies
- Orthodontist
- Periodontist
- Pet Store
- Pharmacy
- Photo Studio
- Physical Rehab
- Printing & Publishing
- Prepackaged Meals
- Quick Copy/Printing
- Restaurant
- Retail Store – Other
- Salon – Spa
- Smoothie Shop
- Sporting Goods Store
- Urgent Care Facility
- Veterinarian
EXPANDED PORTFOLIO INDUSTRIES – B2B
EXPANDED PORTFOLIO INDUSTRIES – B2B
EXPANDED PORTFOLIO INDUSTRIES – B2B
- Accountant
- Aerospace
- Alternative Energy Production
- Architect
- ATV/Golf Cart Dealer
- Bottling & Distribution
- Brewery
- Chemical Manufacturing
- Commercial Cleaning Services
- Commercial Landscaping Design
- Communications Company
- Computer Software
- Defense Contractor
- Defense Electronics
- Distillery
- Drug Manufacturing
- E*Commerce
- Electronics Manufacturing
- Engineer
- Food Manufacturing
- Food Processing & Sales
- IT Hardware Sales
- IT Services
- Legal Services
- Meat Processing & Products
- Medical Equipment & Supplies
- Professional Sports Arena
- Radio Station/Services
- Sports Equipment & Services
- Steel Fabricator
- Steel Production
- Telecom Services & Equipment
- Textiles
- Tractor & Lawn Mower Sales
- Waste Management
- Wholesale
- Winery
Underwriting Criteria
Preferred Industries – B2C:
Expanded Portfolio Industries – B2C:
Expanded Portfolio Industries – B2C:
- Must be brick and mortar business, no home-based
- Open and operating for at least one month (30 days)
- Minimum annual sales of $200,000 ($17,000 monthly)
- Guarantor with personal Equifax credit score of 551 or higher
- Client may have a maximum of 2 outstanding cash advances
- Merchants may qualify for up to $500,000 (single-entity)
- Merchants may qualify for up to $750,000 (multi-entities)
- Loan repayment terms from 12 to 36 months
- No review of tax returns or financial statements required
Expanded Portfolio Industries – B2C:
Expanded Portfolio Industries – B2C:
Expanded Portfolio Industries – B2C:
- Must have commercial office space or warehouse
- Open and operating for at least two years (24 months)
- Minimum annual sales of $200,000 ($17,000 monthly)
- Guarantor with personal Equifax credit score of 601 or higher
- Client may have a maximum of 2 outstanding cash advances
- Merchants may qualify for up to $500,000 (single-entity)
- Merchants may qualify for up to $750,000 (multi-entities)
- Loan repayment terms from 12 to 36 months
- No review of tax returns or financial statements required