Unsecured Business Loans
 and Lines of Credit

In today’s fast-paced business world, the need for capital quickly can be incredibly challenging.  We offer funding options with decisions in less than one day, and funds in your account in as little as 48 hours.

Why We’re Different from Other Lenders

We partner with the leading financial services companies.
At Midwest Commercial Funding, our team will help you capitalize on your business’s potential with fast access to the most innovative and flexible loan products available. We make business financing easy! That’s why we’re the #1 trusted source for restaurant loans, hospitality financing, retail funding and other small business loan products.
We have built exclusive relationships with community banks across the country, so you can acquire a bank loan fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need, with manageable payments that won’t increase as revenue grows.

Credit Decision In < 1 Day

Credit Score as Low as 600

Funding In as little as 48 hours

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards
When comparing business lenders, SIZE MATTERS! Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’ve got big plans for your business, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund those projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below:

Loan Program Advantages

Access to loan amounts from $5,000 to $1,000,000

No collateral requirements on loans up to $750,000

Fixed repayment terms up to 3 years

Same-day approvals and fundings in less than a week

Streamlined underwriting process with minimal documentation

Defer up to 50% of the loan’s principal for the lowest payment

All loans come with an optional line of credit

24-hour access to line of credit drafts for up to a year

The interest paid is tax deductible, lowering your cost of funds

Early payoff options are available without paying all the interest

YOU NEED CASH, WE HAVE OPTIONS

BANKROLL – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the max loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!

Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s new Interest-Only Flex Pay Loan it doesn’t. It now gives you quick access to amounts from $50K to $750K without collateral and low, interest-only payments for up to a year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!

Unsecured Lines of Credit

With an unsecured Line of Credit from ARF Financial, when opportunity comes knocking, business conditions change or unexpected expenses pop up, you’ll be prepared. Our Line of Credit gives you 24-hour access to 5 separate loan drafts over a 6-month period. You’ll have the freedom to draw funds as needed and only pay for what you borrow!

Flex Pay Loans

Many business owners simply don’t dream big because they believe they can’t afford to borrow the funds necessary to make those dreams come true. Our Flex Pay loan solves that problem! Flex Pay allows you to defer up to 50% of your loan principal into the future, resulting in the lowest payments now! So go ahead and dream BIG!

Quick and Easy Online Application

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit!
Apply Now