Business Funding for Established Businesses
Business Funding Built for Your Next Move
Whether you are managing cash flow, purchasing equipment, expanding your location, increasing inventory, or preparing for your next opportunity, Top Notch Tax & Business Service can help connect you with business financing options through ARF Financial.
Explore potential funding from $5,000 up to $1,500,000, with options that may include business loans, revolving lines of credit, working capital, bridge financing, and interest-only products for qualified applicants.
Checking your eligibility with Top Notch is not a loan application and does not guarantee approval. Financing decisions, rates, terms, and funding are determined by ARF Financial and/or its lending partners.
Funding Range
Potential funding from $5,000 up to $1,500,000 for qualified applicants.
Repayment Terms
Fixed repayment terms potentially available up to 36 months.
Streamlined Docs
Fast review and streamlined documentation to keep things moving.
Fast Funding
Funding may be available in approximately 3–5 business days for qualified applicants.
Dedicated Support
Dedicated loan consultant support through ARF Financial.
Why Business Owners Seek Funding
Give Your Business Room to Grow
The right business financing can help you move when opportunity shows up—without draining the cash needed to operate day to day.
Working Capital & Cash Flow
Equipment & Technology
Renovations & Build-Outs
Business Expansion or Locations
Inventory & Seasonal Purchasing
Marketing & Customer Acquisition
Bridge Financing
Refinancing Eligible Obligations
Funding Options
Flexible Options for Different Business Needs
Working Capital Loans
Access capital for payroll, inventory, operating expenses, expansion, and other business needs.
Revolving Line of Credit
Draw, repay, and access funds again based on the specific product terms and your approved limit.
Interest-Only Options
Certain qualified businesses may be eligible for products with an interest-only payment period, helping preserve cash flow during major projects.
Bridge Financing
Short-term funding may help cover time-sensitive opportunities or temporary cash-flow gaps.
Growth and Expansion Financing
Fund renovations, equipment, new locations, large inventory purchases, and other growth projects.
Available products and product requirements vary. ARF Financial will determine which options, if any, fit the applicant’s business, credit profile, revenue, time in business, and funding purpose.
Prequalification
Could Your Business Be a Fit?
ARF Financial publishes the following basic guidelines for its online prequalification process. Meeting these guidelines does not guarantee approval, but it can help determine whether it makes sense to take the next step.
Business Owner
You are an owner of the business.
Time in Business
The business has operated under the same ownership for at least 30 days.
Monthly Sales
The business averages approximately $17,000 or more in monthly sales, or about $200,000 annually.
Credit Profile
Applicants with an Equifax credit score of approximately 575 or higher may qualify.
Eligible Industry
The business operates in an eligible industry.
Not sure whether you qualify? Complete the short eligibility form. Top Notch will review your answers and follow up with the appropriate next step.
Supported Industries
Financing for More Than Restaurants
ARF Financial serves a broad range of eligible business industries. Examples may include:
Industry eligibility may change and additional restrictions may apply. Submission of the form allows Top Notch and ARF Financial to review the business type.
How It Works
A Simple Path From Interest to Funding
Complete the Eligibility Form
Share basic contact, business, revenue, credit-range, and funding-need information. Do not request SSNs, dates of birth, banking credentials, tax documents, or full bank statements on this public lead form.
Top Notch Reviews Your Information
Top Notch reviews the responses to determine whether the lead appears to meet the published minimum guidelines.
Receive Your Next Step
Qualified or review-needed prospects are contacted and directed to the appropriate ARF Financial application or loan consultant.
Complete the ARF Application
ARF states that its online application includes four prequalification questions and five steps and generally takes about 10 minutes. The application and underwriting process may require additional documents.
Review Your Offer and Funding
ARF Financial and/or its lending partners determine approval, amount, rate, payment, term, and funding timing. Qualified applicants may receive funding in approximately 3–5 business days, but timing varies.
Complete the Eligibility Form
Share basic contact, business, revenue, credit-range, and funding-need information. Do not request SSNs, dates of birth, banking credentials, tax documents, or full bank statements on this public lead form.
Top Notch Reviews Your Information
Top Notch reviews the responses to determine whether the lead appears to meet the published minimum guidelines.
Receive Your Next Step
Qualified or review-needed prospects are contacted and directed to the appropriate ARF Financial application or loan consultant.
Complete the ARF Application
ARF states that its online application includes four prequalification questions and five steps and generally takes about 10 minutes. The application and underwriting process may require additional documents.
Review Your Offer and Funding
ARF Financial and/or its lending partners determine approval, amount, rate, payment, term, and funding timing. Qualified applicants may receive funding in approximately 3–5 business days, but timing varies.
Eligibility Check
Let’s See What Your Business May Qualify For
Complete the short form below. A member of the Top Notch team will review your information and contact you with the next step.
Complete the short eligibility check to get started. It takes about 2 minutes and your information is used only to review your funding inquiry.
Complete My Eligibility CheckYour information is used to review and follow up on your funding inquiry.
Social Proof
Business Owners Need More Than Money—They Need the Right Next Step
[INSERT VERIFIED TESTIMONIALS]
A Resource Small Businesses Can Trust
Top Notch Tax & Business Service brings experience serving small business owners—helping you organize your information and connect with the right funding partner.
Verified ARF Financial Reviews
Explore verified reviews and success stories from ARF Financial directly.
Results vary by business. Past client experiences do not guarantee approval, terms, or funding results.
Why Top Notch
Why Start With Top Notch?
Top Notch Tax & Business Service helps business owners organize their next move. Our role is to collect your initial information, help identify whether the opportunity may fit, and connect you with ARF Financial for the official application and financing decision.
A Familiar Business Resource
A knowledgeable partner that understands small business needs.
Simple Pre-Screening
A pre-screening process before the full application.
Clear Explanations
Plain explanations without confusing lender language.
Follow-Up Support
Follow-up support to help you understand the next step.
ARF Connection
A connection to ARF Financial’s experienced loan consultants.
FAQ
Frequently Asked Questions
No. Top Notch Tax & Business Service is not a lender. Top Notch may refer eligible prospects to ARF Financial. ARF Financial and/or its lending partners determine all approvals and terms.
Your Next Step
Your Next Business Move May Start Here
Complete the short eligibility check and let Top Notch Tax & Business Service help you determine the best next step for your funding inquiry.