ARF Financial


ARF Financial LLC is a California limited liability company and a finance lender licensed by the California Department of Business Oversight. Established in 2001, ARF Financial provides short-term, unsecured business loans and lines of credit for merchants and retailers in all 50 states. We’ve helped over 6,000 businesses obtain approvals on more than 12,000 loans with proceeds in excess of $600,000,000. The company is managed and staffed by industry veterans with extensive experience in restaurant finance and small to medium-sized retail industries. We employ a full-time staff of experienced loan consultants across the nation. License #603 7958.

Our Mission:

  • To provide working capital to merchants who otherwise may not be able to obtain it
  • To provide our services professionally and consultatively
  • To demonstrate value
  • To provide the capital quickly
  • To provide the greatest flexibility
  • To provide transparency & comprehensive customer service
  • To provide a benefit to our shareholders



Merissa Thomas

My name is Merissa Thomas, Vice President of Sales Operations for ARF Financial. For over 12 years, I have been helping business owners like you with their financial needs. Through relationships that I have with several FDIC insured community banks, I am able to provide unsecured working capital loans and lines of credit boasting great rates and fixed terms to facilitate growth and increase the overall profits of your business!

Contact me today and I’ll work hard to get you approved for the funds to help your business thrive.


Tacoma, Washington 98406
United States

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