Cardiff is cash for your business, on your terms.
Owning a business is hard enough. That's why we make it easy to get access to the funds you need to keep it running.
Business owners need to preserve their precious cash. We help you pay for any type of business equipment as you use it, not in one lump sum. We offer low monthly payments over two to five year terms. We can even roll in soft costs like installation and shipping. You can choose between leasing and financing depending on what you plan to do with the equipment at the end of the term.
Learn about Equipment Financing →We help business owners like you solve every day cash flow problems. Payroll, inventory, taxes, improvements, and hiring can all be funded in a matter of minutes with our working capital solutions. We offer estimated terms as short as three months to help you save. We can also go out as far as two years for longer term projects. Our terms and discounts make working with us a no-brainer.
Learn about Merchant Cash Advance →Tell us a little bit about your business and get approved in less than 2 minutes.
Choose the terms that work best for your budget and get on with your day.
Link your business checking account to your Cardiff financing and access your funds immediately.
Payments are remitted automatically through ACH withdrawal either daily, weekly, or monthly.
Pay off your balance early and gain access to more capital at better terms.
Low rates on secured financing
Double our average competitor's approval
Average approved term, no minimum Credit Score
Most customers receive additional funds within 6 months
If you're exploring alternative business lending options because traditional lenders turned down your business or you can't wait for rigid loan approval processes, you're in the right place.
Cardiff specializes in fast, flexible financing designed for real-world business needs. Whether you're scaling, upgrading equipment, handling seasonal fluctuations, or simply navigating the unpredictability of entrepreneurship, our tailored financial products help you keep moving forward.
Time is money. When you wait for months to secure funding, you miss out on opportunities and fall behind the competition. That's why Cardiff offers fast, unsecured business loans that cut through red tape and prioritize speed without sacrificing service. You don't need perfect credit, either. If you're serious about growing your business but lack the tools to reach your goals, Cardiff can help.
If you've ever searched "need funding for my business," you already know how limited the traditional lending landscape can be. The good news is that a bank loan isn't your only option for capital. Cardiff offers finance loans for business that are attainable no matter where you are on your journey.
No two businesses run the same way or have the same financial needs. Meeting the varied needs of our clients means offering flexible financing options. Cardiff's product suite has a solution to meet your goals, whether you're seeking business loans for expansion, ordering inventory for the busy season, responding to a dip in revenue, or need to unlock working capital fast.
We support a range of industries, including retail, healthcare, construction, hospitality, and professional services. Our financing addresses unique business needs such as cash flow timing, seasonal gaps, and time-sensitive opportunities.
Many of our loans tailor to the needs of the small businesses we serve, including:
Merchant capital advances (MCAs) and invoice financing tie repayment to your income cycle. Payments stay manageable because they fluctuate with your income.
With no collateral requirement and an emphasis on strong business fundamentals, Cardiff's MCAs, term loans, credit cards, and lines of credit are more attainable for small businesses.
Your past doesn't define you. If the future looks promising, we can help you maintain smooth operations with funding aligned to your revenue patterns.
We can help you turn future transactions into the working capital you need now. A Cardiff MCA provides the money you need upfront with manageable payments based on your income.
Our loan options help maximize your operational flexibility while minimizing friction.
Unlike conventional lenders that prioritize your credit score above all else, Cardiff considers the full picture, including revenue trends, business potential, and overall financial health. That means more business credit options for companies that traditional banks overlook.
Need to get a business loan quickly? Our streamlined process makes it easy to apply and get approved. Many of our clients receive funds the same day. It's lending built for the realities of running a business, not banking protocol.
And when your needs evolve? Cardiff evolves with you. From short-term cash flow loans to longer-term growth funding, we offer guidance every step of the way. You're building something, and we're proud to help finance it.
Your search for the best "financing for my business" stops here.
Whether you're planning to renovate and expand or simply need to stay ahead of your next payroll cycle, Cardiff makes it easy to finance your business on your terms. Our online application only takes a few minutes, and once you're approved, you can receive funding faster than you ever thought possible.
No guesswork. No unnecessary hoops. Just actionable capital when you need it.
At Cardiff, we understand that momentum matters. You aren't just chasing numbers—you're building teams, launching products, signing leases, and growing your reach. Every day lost to outdated underwriting is a missed opportunity.
We've reimagined alternative business lending for entrepreneurs and business owners who can't afford delays. Whether you're considering a business loan for expansion, navigating merchant financing options, or researching unsecured business loans to cover a gap, Cardiff offers the clarity, speed, and confidence you need.
When you're ready to move, Cardiff makes it possible.
Alternative business lending refers to financing options offered outside traditional banks. These funding tools include unsecured loans, merchant financing, cash flow loans, and revenue-based funding. They often offer faster approval and more flexible qualification criteria, making them a top choice for small or growing businesses or those with past credit problems.
Unsecured business loans require no collateral. Lenders base approval for these loans on other factors, such as your business's performance, cash flow, and overall financial health. These loans can help you access fast capital without putting assets at risk.
Yes. While banks often deny loans because of a low credit score, alternative business lenders, like Cardiff, look at the bigger picture. They specialize in business credit options for owners with lower credit scores and focus on real-time revenue trends and business performance, not just your credit history.
Merchant financing is a popular financing option among businesses with steady credit card sales, such as retail stores, beauty salons, restaurants, and auto repair shops. It allows businesses to repay as a percentage of daily transactions, keeping payments low if sales slump and accelerating payoff when business booms. Fixed payments are also an option.
It depends on the lender. The application, approval, and underwriting process with traditional lenders can take days or weeks, depending on the loan product. However, online lenders, such as Cardiff, make the process much faster. Many applicants receive a decision within hours of submitting a completed application. Once approved, you may receive funds the same day.
You'll need basic business information, personal identification, tax statements, and proof of revenue. You can use a secure Plaid connection to provide access to recent bank statements. Online applications for short-term business funding can be brief. However, lenders may request additional documentation depending on your loan type and business needs.
Revenue-based loans tie your repayment to revenue, offering flexibility during slower periods. Cash flow loans focus on predictable revenue patterns to help smooth over timing gaps in expenses and income. Payments are a set amount for a pre-defined term. They offer less flexibility but more stability.
Absolutely. Seizing growth opportunities, weathering storms, or ordering inventory for your busy season all require financing. Business loans can cover everything from new equipment to hiring staff or opening another location. Non-traditional lenders can even provide fast access to funds, so you can answer when opportunity knocks.
Not with Cardiff. We offer interest-free early payoff options on our business loans for eligible clients. By paying your loan off early, you can reduce your overall borrowing cost. And with less debt on your books, you improve your chances of qualifying for business loans in the future.
"These guys were great to work with in obtaining financing for our mobile truck business, which is a very specialized and difficult niche to get financing for. Everyone we worked with was professional, knowledgable, courteous, and efficient. They expedited our needs and we were able to meet the deadline for our first event!"
Chad Smith
*Actual customer testimonials. Photos are illustrative only.
