Backed by decades of experience, ARF Financial is an alternative lending company focused on providing short-term, unsecured business loans and lines of credit for merchants nationwide who otherwise may not be able to obtain the funding they need. Our team of personal financial consultants have helped thousands of restaurant and hospitality businesses secure over $750 million in funding since 2001. ARF is a California limited liability company and a finance lender licensed by the California Department of Business Oversight.