You’re probably one of many who’s thought of quitting that job and shoving it. The manager’s driving you nuts. Your colleagues have no idea what they’re doing. You’ve had enough of being overlooked or the lack of innovation in your position or the field has hit its ceiling. Maybe you’d be better off running your own operation and depending on no one but yourself!

Fortunately, though the idea crosses many of our minds, we have the good sense to stay put. Despite all the benefits of being self-employed, not everyone is built for it.

Can You Carry the Burden?

You need the flexibility to be on your own. Being self-employed doesn’t mean fewer hours and smaller work loads. It means the exact opposite. One day you’ll have a global staff, but you’re going to work longer days and perform almost all tasks yourself from day one. Sure, if you so desire, you could put off work and spend a afternoon on the beach, but can you afford to? In general, most people need – even if they don’t know it = the idea that they go in and leave at a certain hour, that their tasks are clearly defined and they’re secure knowing what to expect monetarily.

Are You Good at Tasking?

The self-employed are good task managers and probably don’t like relying on others to get things done. They can be micromanagers and control freaks. They hate running things by the boss or waiting for colleagues to do their part. A good candidate for self-employment is someone taking the reins every chance they get and knowing it’s getting done right. They also tend to be full of ideas and can unintentionally take charge.

Will You Love What You’re Doing?

Another great characteristic of the self-employed is passion. They aren’t as concerned about money as they are about a need to do something that fulfills them. The self-employed get to collaborate with clients and customers that support their dream. This is the essence of the entrepreneurial spirit. Without it, self-employment burns out quickly.

Are You a People Person?

Being self-employed doesn’t necessarily working alone. To sustain your business, you will need partners, vendors, clients, customers, etc. The self-employed have to listen carefully, speak when necessary and promote themselves accordingly. Analytical thinking is critical as you consider what you need, how others can supply it and how to apply ideas and materials affordably so that your business thrives.

Are You Resourceful Enough to Dodge the Bullets?

As your own boss and probably the sole employee, you will be responsible for every obstacle that gets in the way. Accountability for everything from managing the budget to holding onto customers will be in your hands. Can you manage the books, technology, taxes, legal issues and all that falls in between? More importantly, can you keep a stream of income coming in that you can survive on? (In that regard, here are four tips on making income that may come in handy.)

The truth is as much as we want to think otherwise, not everyone has the capability to be self-employed. But if you think any of the above applies to you and there is that one thing you’d love to explore, it might be time to sit down and consider what direction you want your future to go in.

A valid line of credit can be the difference between life or death for your business. Business owners know that having fluidity when it comes to equity means being able to grow even when your business appears stagnant. Combine this with flexible payment options and your business is ready to grow beyond even your own imagination.

Flexible payment options provide peace of mind to business owners to ensure payments will never exceed income because you are in control of your own financial solutions. Because you choose how much money you use at any given time, you make a choice to pay back an affordable amount each and every payment cycle. This allows full freedom to expand on your budget, not your lender’s.

ARF Financial Can Help

For over fifteen years, ARF Financial has been the go-to firm for financing when traditional bank loans are not an option or not appropriate. As the leader in restaurant financing, ARF Financial understands the need for fast, reliable loans to help a business grow and compete with its competition. ARF Financial offers loans as well as lines of credit to allow for a business to establish revolving credit it can use in any and all situations.

Loans can be offered in various capacities. The ARF Financial Flex Pay Loan is the perfect loan to allow for growth without breaking the bank. These loans are approved at an agreed upon amount, and then a portion of the principal can be deferred until the borrower is ready to use it and make payments on it, allowing for higher loan amounts at lower fees. Should the deferral date become unmanageable, ARF Financial will offer additional help to make the payments work. These loans are a high reward at a low risk.

However, if your business is ready to expand and just needs a little push, ARF Financial offers the working capital loan. This loan is designed for businesses that are profitable, but just need a little help with a large purchase or expansion project. It is funded by a traditional bank but uses the ARF Financial system to allow for quick, reliable funding.

Some businesses require a loan to help bridge the gap between the application and receipt of a traditional bank loan. Perhaps a piece of equipment or a particular piece of real estate requires a down payment quickly. The Bridge Loan is the perfect answer to this problem. This loan allows for the down payment to be made without losing the option of the purchase.

Finally, ARF Financial offers lines of credit to businesses to allow for help with cash flow in any and all situations. Companies need a fallback, and the line of credit is that perfect option to provide money as needed when times get a little tight, as they often do in today’s economic climate.

One of the key factors in choosing to utilize ARF Financial is the need to maintain your own equity, as opposed to promising a portion of your business to a lender in exchange for an investment. Once this is attempted, you begin to lose your rights, as you must listen to your partners regarding your business, your invention, or your creativity. Using an ARF Financial loan product will help protect your rights as much as your bottom line.


The ARF Difference

Aside from offering the perfect products for most businesses, ARF provides services that are unsurpassed. To begin, any loan for under $725,000 requires absolutely no collateral. Therefore, your risk is minimal, compared to traditional banking and other lenders. Also, the process is fast and easy without a lot of paperwork. You are guaranteed to have the money you need within five business days of approval, and the approval process is easy, especially compared to ARF’s competitors.

Finally, you are guaranteed professional, quality service each and every time you come into contact with anyone from ARF. The lenders of ARF understand the personal nature of owning and operating a small business. Therefore, they treat you as though you were their business partner, as opposed to their client. This truly makes the process seem less intimidating as you sign on the dotted line.

Consult Before You Sign

Remember, you are an expert in your business. You understand your business better than anyone else. However, being an expert in your business still requires help. ARF Financial and its staff are experts in funding. Therefore, before you borrow any money from a lender, sit down with an expert and determine what product is right for your business at this point in time. A good consultation with a lending professional will help make sure that you are not biting off more than you can chew or shorting yourself financially.

To determine the best funding options for your business, contact the experts at ARF Financial at 1-866-702-4430 for your free consultation today.

No matter what other ideas we have, there is one goal we all start with when we open a business. We want to make enough money so that we can retire comfortably without ever having to worry about the future. Instead, we can forget about the problems of pension funds, finances and investments. We know that in the end when we stop earning a living each working day, we’ll have enough money to settle down comfortably. That’s the aim, and in many cases, it does pay off. People do find that they can retire quite happily after twenty or thirty years running a company. But what if you wanted to retire earlier while still earning a lot of money from your business. What if you wished to run a company and claim the profits without all the stress involved. These days, it’s possible to do just that, and we’re going to show you how.

Make It Flexible

The first piece of advice we recommend is that you try and make your business as flexible as possible. The aim here is to ensure that you can run the company from anywhere. You don’t just have to think about heading into the office each morning. Instead, due to the flexibility of your business model, you can run it from home. You might still have an office or factory where the brunt of the work in your business is completed. But, it doesn’t mean that you have to be there. To make sure this is a possibility you need to look at the technology that is available when running a business these days. For instance, you can get a cloud server. Connected to your business a cloud server will allow you to access business files from anywhere and keep on top of all the moving parts of your company. When you’re working from home, you might not have retired. But, it can certainly feel that way.

Look After Your Team

If your business has any issues that need your attention you can almost always guarantee the source will be your staff. That’s why you need to make sure that they are looked after and taken care of. This doesn’t mean you have to take on that role or responsibility. Instead, you can set up a service that will keep an eye on your staff for you. With employee assistance programmes you can monitor your staff and yet never need to be in the office. Everything can be taken care of remotely.

Hire The Best Team

If you want your business to essentially run itself, you do need to think about your team. It’s important that you hire the best worker for each job in your company. If you don’t do this,, you may find yourself taking on more roles than you should have to as the owner. A great team will grow in their roles and eventually, they will start to complete the roles in your company that were your responsibility. You will be able to delegate more areas of your business because you’ll know they will be able to handle them.

We hope you see that it’s possible to make a fortune and live a relaxing life long before you retire.

At the turn of a new year, most of us pledge to sort out our finances, get out of debt and generally make better decisions when it comes to money. So there’s no better time than the present to put plans into action, and make 2017 as happy and prosperous as possible. Here are a few ideas to get you started.

Work Out Your Income and Expenditures

When you know exactly what you have coming in and what you have going out each month, it gives you total control over your finances. It’s a good idea to find out what has to be paid and when- carefully noting down the payment date and amount of each household bill in a notebook or on a calendar. This way you’re never missing payments, falling behind or getting yourself into trouble with money. This will also give you an idea of where your money goes each month, and highlight areas where you’re able to make cutbacks. Any money freed up can be used to pay off debt; this will get the balances down quicker, and also save you on additional interest

Set a Budget

Another way to be in control of your money is to set a realistic budget. Along with bills, your budget will include things like food and travel (such as bus and train tickets if you use these to get around). Toiletries, cleaning products, pet care. Working out exactly how much you have in each area prevents you from overspending, and again helps you to see where your money gets spent each month.

Consider Consolidation

If you have lots of different accounts open, consolidating them into one payment can be much easier to manage, and work out cheaper too. This is where you take out a loan or use a credit card to pay off everything you owe, and close all of the other accounts. Rather than paying interest on lots of separate accounts, you pay just one- on the card or loan used to consolidate. Often you can find good deals where you don’t start paying any interest for a number of months too, giving you time to pay down the balance even more quickly. If you’re looking to get a handle on your finances, debt consolidation could be a good option.

Get Debt Advice

People put off getting debt advice because they can feel ashamed, guilty or because they’re not ready to face up to the issue. But remember, debt is something that can happen to anyone. No one is perfect; sometimes situations can and do lead to these kinds of things. The important thing is to try and put it right as soon as possible. Buying your head in the sand, unfortunately, won’t make things go away. The quicker you take action, the more fees you’ll avoid and the weight of worrying about it can be lifted off your shoulders. There are lots of free debt helplines and charities out there where you can seek advice. Whether your next step is a debt management plan, an IVA, bankruptcy or negotiating with creditors, you’ll feel much more on top of the situation with a plan in place.

What are your financial goals this year? Do you have any tips for reducing debt more quickly?


When you’re adopting a lean management style, you’ll soon find that loss isn’t the only thing that gets in the way of greater efficiency. Your work can sometimes get in the way of your work. You want to spend more time plotting out the next step towards growing the business, but all that admin and infrastructural upkeep is draining your time. What do you do about it?


First, you need to figure out which jobs need to be done first and which can be left until you have the important tasks out of the way. Learning to prioritise and manage your time is essential. A helpful matrix to help you break down your workload is to divide tasks by ‘important/unimportant’ and ‘urgent/not urgent’. Breaking them down into these quadrants makes it a lot easier to see where your time should be spent.


Take a closer look at the tasks that make up your workload and start looking at the methods by which you do them. Process improvement is the act of changing your methods to find the most effective but least time-consuming. In many cases, using specialised software or looking at specific steps that don’t add any value but only add more time to a task.


Not everything has to be directly your responsibility. For instance, if you’re running an IT network in the business, it might need some reorganisation or troubleshooting from time to time. Instead of grasping for answers yourself, it’s a good idea to entrust these kinds of tasks to those more experienced in the field than you. By outsourcing to services like IT support, you ensure the job is done more effectively and efficiently than you might be able to do it yourself.


There are quite a few admin tasks that are common across all industries. Sorting emails, providing support, processing invoices and payroll, etc. Altogether, they can take up a lot of your time. Which is why automation software has been created to take many of those tasks off your plate entirely. With a bit of supervision, it not only frees up a lot of your time but can result in a lot fewer mistakes caused by human error.


Some processes can’t be left to computers, however. If you need free time and the tasks are both urgent and important, you might want to consider delegating them to your team. It’s a good way to offer real experience, responsibility, and training to those ready to take it. However, you have to be aware that they will still need you to be available if they need help. You should also never think to delegate any of your core responsibilities. Don’t use your authority to pass on tasks that need you, specifically. Use common sense.

It never has to be an ‘either/or’ question. You don’t have to choose which tasks you do, just how and when they’re done. Use your head, your team, and a bit of outside help from time to time. It’ll free up a lot of effort you can spend on growing the business and making money.