Working Capital
Editorial Team
At Working Capital, we believe access to funding should be simple, transparent, and designed around your business not the other way around. We’re committed to helping entrepreneurs make smart financial decisions with tools, guidance, and lending partners they can trust.
Not all small business financing works the same way. The financing that is perfect for another company may not meet your needs or align with your revenue. Cardiff and Walmart Marketplace Capital may both promise business owners fast working capital loans, but they serve very different types of businesses and financial needs.
Cardiff operates as a full-service small business lender, offering everything from merchant cash advances to long-term equipment loans for companies across a wide range of industries. Walmart Marketplace Capital, on the other hand, is designed for a single audience: sellers on Walmart’s online marketplace, with funding tied directly to marketplace sales through short-term cash advances.
That distinction matters. One option is built to support businesses at many stages of growth, while the other is meant to provide quick, platform-specific liquidity for active Walmart sellers. Choosing between them isn’t about which program is “better,” though; it’s about which one fits how your business operates and what kind of capital you need right now.
In this in-depth comparison, we’ll walk through how Cardiff and Walmart Marketplace Capital stack up across key factors like available products, approval speed, eligibility requirements, repayment structure, and overall flexibility. By the end, you’ll have a clear picture of where each option shines and which financing path makes the most sense for your business.
Offer amounts vary by seller performance history. Walmart Capital does not state a lending limit.8
Offers merchant cash advances, business lines of credit, equipment financing, term loans, and business credit cards. Facilitates SBA loans through lending partners.1
Merchant cash advances only, via the Capital by Walmart program. Other options offered through third-party lenders.8
Merchant cash advance amounts start at $5,000, extending up to $500k. Term loans top out at $500k. Equipment financing can be up to $250k. Approval amount varies with product and eligibility.1
Offer amounts vary by seller performance history. Walmart Capital does not state a lending limit.8
Fast online application with decision in minutes and funding as soon as the same day for qualified applicants.1
Advances by invitation; if eligible, offers appear in the Seller Center. Funding may be available in as little as 24 hours after offer acceptance.8
Varies by loan type. Working capital/MCAs repay three to 24 months. Equipment financing terms up to seven years. Payments can be fixed or variable. No prepayment penalties.1
Repayment happens automatically as a fixed percentage of daily Walmart sales. One flat fee applies.8
Generally requires 12 months in business, minimum monthly revenue (~$20K), and a minimum FICO (e.g., 550+). Prioritizes Business Health Score over credit score.3
Must be U.S.-based Walmart Marketplace seller, with a U.S. TIN. Approval based on sales history and risk profile.8
Uses factor rates for short term products, like MCAs (starting at 1.1). Equipment financing and other secured loans can have rates as low as ~5.99%. Business line of credit rates are competitive (starting at 9.9%) No hidden fees or prepayment penalties.3
Charges a fixed capital fee (single flat fee), no interest fees. Fee amount varies by risk and is disclosed before acceptance; no savings from early repayment.8
Cardiff’s merchant cash advance (MCA) provides a fast infusion of cash (often as quickly as the same day) to help business owners cover day-to-day expenses, including payroll, inventory purchases, utilities, and advertising. Their online application is straightforward, requiring minimal information about your business history. Connecting your bank account through Plaid provides access to the necessary financial data. When well-qualified, you can get approved for an advance in minutes and receive funds the same day, making it a fast MCA business loan option.1
The term length for an MCA from Cardiff ranges from as short as three months up to 24 months, letting you choose a shorter term to minimize fees or a longer term for lower payments. Repayment is typically through automatic daily, weekly, or monthly ACH withdrawals to match your cash flow. Cardiff also offers an option for fixed payments if that aligns better with your business revenue.2
Instead of a traditional interest rate, Cardiff uses a factor rate for MCAs, starting at 1.1. Cardiff clearly discloses this rate as part of the loan offer, and there are no surprise fees or prepayment penalties. In fact, if you pay the advance off early, Cardiff forgives the remaining portion of the fee, reducing your borrowing costs.
Among merchant cash advance providers, Cardiff also stands out for its higher funding limit (as high as $500K). And although a credit score of 550 or above is recommended, a lower credit score will not disqualify you. Cardiff is willing to work with business owners who have less-than-perfect credit.2
Walmart Marketplace Capital’s primary offering is a cash advance program tailored for Walmart’s third-party sellers. Through this program, Walmart extends advances to eligible sellers based on their historical sales in the Walmart Marketplace. The program proactively identifies sellers with solid sales and sends them an offer in their Seller Center dashboard.8
If you accept the funding offer, you’ll get a lump-sum advance deposited via your Walmart payment account (often within 24 hours). Instead of interest, Walmart charges a fixed fee for each advance. Repayment is automated, and Walmart deducts a set percentage of your daily sales until the predetermined total payback is satisfied.8 Since repayment is tied to sales, you’ll repay the advance faster when sales are good.
Walmart does not perform a hard credit pull or require a personal guarantee to advance funds. The strength of your Walmart sales is the main qualification.8 This allows business owners with credit blemishes but strong growth to qualify for financing and maintain control over their assets. Walmart’s cash advance is a convenient funding option for those inside the Walmart ecosystem.
For most businesses, Cardiff’s working capital product will be more accessible and attractive. While both Cardiff and Walmart offer merchant cash advances to companies, Cardiff’s version is available to any qualified small business. It provides far greater flexibility in terms of length and repayment.
For instance, Cardiff can extend repayment up to 24 months on a working capital loan of up to $500k. Walmart does not disclose its lending amounts or term lengths. That means business owners who need a fast infusion of cash can count on Cardiff to provide larger working capital amounts with manageable payments when they need them.
Additionally, Cardiff lets you repay your loan on your terms. You can choose a repayment schedule that works best for your business and repay it early to save on borrowing costs. Unless your business is exclusively tied to Walmart’s platform and you value the seamless integration, Cardiff’s broader availability, longer terms, and comparable flexibility make it the superior choice for a merchant cash advance lender.
When you qualify for a Cardiff business line of credit, you’re approved for a maximum credit limit and can draw funds as needed up to that limit to cover any business expense, from purchasing office supplies to bridging seasonal gaps in income. Because the line is a true revolving line of credit, your credit limit replenishes as you repay, allowing you to reuse the capital continuously. And your limit automatically adjusts over time based on key financial data to meet the needs of your growing business.6
With no maintenance, prepayments, or draw fees, you can keep the line open and only draw when you need more liquidity. In fact, Cardiff rewards business owners who keep their accounts in good standing by automatically renewing their lines annually. If you do decide to close your credit line, Cardiff won’t charge you a fee for that, either.6
This product is great for businesses that have ongoing working capital needs or unpredictable expenses, as it provides financial flexibility that a one-time loan cannot. Cardiff places high value on recurring revenue and the overall health of the business. At least one year in business and a credit score of 550 or higher are recommended. Note that more time in business may be needed to qualify for higher credit limits.6
Walmart Marketplace Capital does not offer a business line of credit or any revolving credit facility. The program’s financing is limited to cash advances repaid as a percentage of future sales.
The absence of a credit line means Walmart sellers must either take lump-sum advances or seek external financing for revolving credit needs. In fact, many Walmart sellers who need an ongoing credit cushion to purchase inventory or manage cash flow gaps would have to turn to third-party lenders for a line of credit product.
Walmart’s capital initiative is focused on short term infusions of cash rather than providing an open credit facility. Thus, each funding event is a discrete advance tied to future receivables. If your business needs the flexibility to tap funds multiple times, it will not find a solution within Walmart Marketplace Capital’s current offerings.
When it comes to choosing a top business line of credit lender, there’s no real comparison between these two. Walmart Marketplace Capital does not offer a revolving line of credit, which means sellers cannot access funds on demand or reuse capital as it’s repaid. That limitation matters for businesses that need ongoing financial flexibility.
Cardiff fills that gap with a true business line of credit. Funds remain available when you need them, repayments restore your available balance, and there’s no need to reapply each time cash flow tightens. This makes it far easier to manage unexpected expenses or seasonal fluctuations and allows you to take advantage of short-term growth opportunities.
If access to reusable, on-demand capital is a priority, Cardiff stands alone in this comparison. Its revolving structure, combined with a straightforward fee model, places its line of credit among the best for businesses with ongoing financing needs. It is a practical financing tool for businesses that value control and flexibility over one-off advances.
Cardiff’s suite of lending products includes specialized small business equipment loans and leases to help businesses purchase the machinery, vehicles, technology, or other equipment they need to operate and grow without huge upfront costs. Cardiff equipment financing offers flexible repayment options, including ramping up, deferring payments, and aligning repayment with your unique revenue cycles. This flexibility allows you to spread out the cost over time and pay for equipment as you use it and as it contributes to overall revenue.3
Cardiff gives business owners two paths for obtaining equipment:
Cardiff’s team helps you choose the right option based on the type of machinery, projected useful life, and likelihood of upgrading in the near future.3
Terms for commercial equipment financing through Cardiff generally range from two to seven years, making the monthly payments affordable and preserving your working capital. A big advantage is that Cardiff can even roll the soft costs of the equipment, like installation, shipping, or training, into the loan, meaning you can finance nearly all costs of getting the equipment up and running.3
Interest rates for equipment financing are often lower (as low as ~5.99%) than for unsecured loans since the equipment itself serves as collateral. The application is still quick, and Cardiff’s understanding of various industries helps them accurately evaluate business health and approve equipment financing for dentists, contractors, or seasonal businesses that traditional banks might not consider.3
Walmart Marketplace Capital does not provide any equipment financing or leasing options. The program’s scope is limited to working capital advances. If a Walmart Marketplace seller needs to buy equipment, such as manufacturing machinery to expand production or a delivery vehicle for their business, Walmart’s funding program does not offer a specific solution.
The Walmart Capital program does not evaluate purchases or collateral; it purely looks at sales receivables to approve cash advances. Therefore, it isn’t structured to handle equipment purchase deals, which typically involve asset collateralization and longer repayment terms. In summary, businesses requiring financing to acquire equipment will not find any support for that in Walmart’s capital program, since it’s outside the program’s purview.
When financing physical assets like vehicles, machinery, or essential technology, the difference between Cardiff and Walmart Marketplace Capital becomes unmistakable. Cardiff offers purpose-built leases and loans for business equipment designed specifically for long-term asset investments, with multi-year terms that align repayment with the useful life of the equipment. Walmart Marketplace Capital, by contrast, is limited to short-term seller cash advances and does not support equipment purchases at all.
Cardiff also understands that equipment costs extend beyond the sticker price. Its financing can cover related soft costs, helping businesses fully deploy what they purchase without draining working capital. Flexible end-of-term options further allow businesses to upgrade, buy out, or return equipment based on their evolving needs.
For business owners planning real infrastructure investments, Cardiff is the only practical option in this comparison. When the goal is to acquire and grow with long-term assets, Cardiff delivers financing that fits the job.
Equipment financing covers physical investments, but many growth decisions don’t fit neatly into an asset category. When businesses need working capital for expansion, staffing, or major operational moves, flexible business term loans become a more practical tool. Cardiff offers term loans that provide a lump sum of capital repaid on a fixed schedule to meet a wide variety of purposes.
Cardiff’s business loans typically feature multi-year terms with fixed monthly repayment schedules, giving owners predictability and breathing room. These long-term business loans provide a lump sum of capital business owners can apply wherever the business needs it most. Cardiff offers both short-term and long-term options, with the average term sitting around 39 months, which is longer than many online lenders provide.1
Cardiff offers both secured and unsecured term loans. Secured loans can come with interest rates as low as 5.99%, while unsecured options carry higher rates but don’t require collateral.1 Importantly, Cardiff doesn’t require perfect credit. Borrowers with personal credit scores around 550 can often qualify, as long as the business shows consistent revenue, sufficient cash flow, and time in operation.2 The emphasis stays on business performance rather than just a credit score snapshot.
Loan amounts can scale with the business. Cardiff term loans can reach up to $500k when revenues support it, and the company reports an average approval amount of around $82k.1 That signals a willingness to fund larger, more meaningful projects than many fintech lenders that cap approvals at lower thresholds.
Despite the longer-term structure, Cardiff can often issue approvals within minutes, with same-day funding possible in many cases. For business owners who need capital that aligns with longer payback timelines, Cardiff’s term loans for small businesses offer a scalable alternative to short-term advances.
Walmart Marketplace Capital does not offer traditional business term loans. The program’s financing is structured as a merchant cash advance. The platform doesn’t provide any loan where you borrow money and repay in fixed installments with interest.
Sellers looking for structured, longer-term financing cannot rely on Walmart’s program for those funds. They would need to approach outside lenders. The narrow scope of Walmart’s lending platform is a key limitation, especially for growing businesses that need long-term capital solutions.
Choosing the right financing tool comes down to matching the structure of the capital to the purpose of the spend. Short-term advances work for short-term needs, but they can strain cash flow when used for long-lived investments. Cardiff’s term loans align repayment timelines with business growth, giving owners the breathing room to execute plans without forcing rapid payback tied to daily sales.
Thus, Cardiff decisively wins as the leading business term loan provider because it offers the kind of traditional financing structures many businesses rely on for significant investments or financial restructuring. With fixed terms, predictable payments, and the ability to borrow larger amounts, Cardiff’s term loans support projects that require time to generate returns, whether that’s expansion, refinancing higher-cost debt, or funding long-term operational improvements.
This level of flexibility and scale simply isn’t available through Walmart Marketplace Capital, which is limited to short-term, sales-based advances. If your financing needs extend beyond a quick infusion of cash and you value repayment certainty over speed alone, Cardiff stands out as the stronger, and realistically, the only viable option between the two.
Many small businesses seek out SBA, which are loans for small business owners partially guaranteed by the U.S. Small Business Administration. Businesses like SBA loans because these loans typically come with low interest rates and provide long repayment terms (up to 10 years or even 25 years for real estate).4 This combination adds up to a low cost of financing that makes repayment less of a burden.
Although Cardiff is not an SBA-approved lender, it still helps small businesses secure SBA 7(a) loans, 504 loans, and Microloans through its network of approved SBA lending partners. The advantage of using Cardiff is that it streamlines what can be a notoriously slow application process. Cardiff’s platform offers quick pre-approvals and guidance so you can discover your SBA loan options in seconds, even though final SBA approval will involve more documentation.
SBA loan amounts can range broadly (up to $500k through Cardiff), depending on the program. To qualify, you’ll need a 600+ credit score, $20K in monthly revenue, and at least one year in business, as well as the ability to wait a few weeks for underwriting and SBA approval.4 Cardiff assists by packaging your application properly and even providing interim business loans for small businesses while the SBA loan is being processed.
In short, Cardiff acts as a facilitator to unlock low-cost, government-backed loans for businesses that have the time and qualifications, which is a unique offering among small business lenders.
Walmart Marketplace Capital does not offer SBA loans or help clients with the application process. The program is entirely focused on its proprietary merchant cash advance offerings and does not extend to partnering with banks for such loans. Walmart’s program will not help a business owner obtain an SBA 7(a) or 504 loan.
Walmart has not integrated any SBA lending for its sellers, meaning there’s no option to get, for example, an SBA Express loan or Microloan via Walmart Marketplace Capital. This is unsurprising, as SBA loans require a level of underwriting and government oversight that doesn’t fit Walmart’s automated advance model. If you need an SBA loan, Walmart Marketplace Capital provides no avenue to obtain one.
Cardiff clearly leads when it comes to helping clients secure SBA loans, an area where Walmart Marketplace Capital offers no options. SBA-backed financing remains one of the most attractive tools for small businesses because it combines lower interest rates, longer repayment terms, and higher borrowing limits than most conventional loans. These features make it ideal for major expansions, large purchases, or refinancing existing debt.
What sets Cardiff apart is its ability to guide businesses through the SBA process alongside its own quick business loans for small businesses. This is significant because SBA loans often require careful documentation and familiarity with government procedures, and not every business owner or lender can navigate the complexity.
By working with Cardiff, eligible business owners gain a partner in their efforts to get access to single-digit rates, multi-year terms, and predictable repayment schedules. Even for businesses selling on Walmart Marketplace, pursuing an SBA loan through Cardiff offers far more strategic value than relying on Walmart’s limited cash advances.
In terms of SBA and other government-backed financing, Cardiff is essentially the only viable one for businesses seeking substantial, long-term capital.
Small business financing needs arise regularly and often without warning, which is why Cardiff includes business credit cards for small businesses in its funding lineup, giving clients access to revolving credit in card form. By providing business credit cards, Cardiff allows small businesses to access a revolving credit line for everyday expenses, with the convenience and widespread acceptance of a credit card.
Cardiff’s credit cards also let business owners take a cash advance up to their credit limit. While a fee applies, this feature provides quick access to cash without needing to apply for a merchant cash advance or another loan, helping businesses manage unexpected costs efficiently.5
Cardiff offers two types of business credit cards: a standard Business Card and a Business Rewards Card, each with competitive perks.
Notably, these cards have a 0% introductory APR for the first year, which applies to both balance transfers and new purchases. This introductory offer is a very attractive benefit for new cardholders looking to finance short term expenses interest-free for a year. The cards also feature typical benefits valuable to business owners, such as travel benefits, 24/7 cardmember service, detailed statements, online account management, and the ability to separate business expenses from personal.5
The Business Rewards Card further adds an exclusive rewards program, including cash back rewards on spending, meaning your business purchases can earn you money back or other benefits.5 Having a Cardiff business credit card complements their loan offerings by allowing entrepreneurs to manage smaller, everyday expenses on credit and maintain smoother cash flow.
Cardiff cards also have no annual fee, which removes a common cost barrier to having a business card.
Walmart Marketplace Capital does not offer any business credit cards to sellers. The program does not include credit cards or any kind of revolving credit account aside from the aforementioned advances. If you’re a Walmart seller looking for a credit card to manage expenses or earn rewards, you would have to obtain one from a bank or card issuer independently. The Marketplace Capital program strictly deals in cash advances.
Cardiff takes the win on business credit cards. For business owners, having access to a card with features like a 0% introductory APR or cash-back rewards can provide real flexibility in managing everyday business expenses. Cardiff’s credit cards give entrepreneurs a tool to cover operational costs and strategic purchases, while separating personal and business spending and potentially earning rewards or taking advantage of interest-free periods.
Beyond offering convenience, a business credit card can act as a short-term funding solution that complements other financing options, such as term loans or equipment financing. Cardiff’s cards allow business owners to access cash quickly through advances and manage recurring expenses without touching long-term credit lines.
By contrast, Walmart Marketplace Capital offers no product in this category, leaving sellers without a dedicated option for flexible, revolving credit. That absence underscores Cardiff’s advantage: it not only provides access to capital through loans and advances but also empowers small businesses to manage daily financial needs efficiently. For business owners who value versatility, control, and rewards in their financial toolkit, Cardiff’s credit card offerings make it the best credit card for business in this comparison.
Walmart Marketplace Capital is a strong fit for Walmart Marketplace sellers needing a quick cash financial boost. If your business revolves around selling on Walmart.com and you receive an invite, the convenience and speed of Walmart’s advance can be beneficial for acquiring inventory or launching advertisements in the short term. The program’s integration with the Walmart platform and automatic payback through sales make it a hands-off, streamlined experience for those who qualify.
When comparing it to Cardiff, though, the program’s limitations become clear. Cardiff’s broader product mix, from short term business working capital loans to equipment financing and term loans, covers financing needs that extend far beyond what Walmart offers. Whether you need to finance equipment over several years, open a revolving credit line for ongoing expenses, or a business credit card to cover everyday expenses, Cardiff provides a one-stop solution. Importantly, Cardiff does so with speed and flexibility while serving the entire small business community, not just one platform’s users.
For the vast majority of small businesses, especially those seeking flexibility, larger funding options, and the ability to build a long-term financing relationship, Cardiff is the stronger online working capital loan provider. Walmart’s capital program may give marketplace sellers a handy boost, but it can’t replace the versatility and scale that Cardiff delivers.
In the end, Cardiff wins out as the more comprehensive and scalable financing partner for small businesses, offering both the fast cash and the sustainable funding solutions companies need to grow.
Cardiff offers a wide range of financing products for small businesses, including merchant cash advances, business lines of credit, equipment loans and leases, and traditional term loans, as well as business credit cards with introductory 0% APR offers. This broad product selection is one of Cardiff’s strengths. They likely have a solution for almost any small business financing need.
It depends on the product. Merchant cash advances and lines of credit typically don’t require specific collateral, and approval is based on your current revenue, operating history, and credit profile. For equipment financing, the asset being financed serves as collateral to secure the loan. However, there’s no blanket requirement that every Cardiff loan be collateralized. In fact, a lot of Cardiff’s small business loans are approved without any hard assets pledged, which is a big advantage for businesses that lack collateral.
In many cases, you’ll get a decision in minutes and receive the funds the same day you apply. The exact timing can vary by product, but you can often receive funding from a merchant cash advance or line of credit draw the same day. This quick turnaround allows businesses to address urgent needs immediately, unlike traditional bank loans that might take weeks. However, if you are applying for an SBA loan through Cardiff, the approval process will take longer.
Cardiff’s financing amounts depend on the product and your qualifications. Merchant cash advances and short term loans generally go up to around $500,000. Business term loans can also be in that range. Equipment financing may finance costly machinery up to around $250,000. If you need more funding or a longer repayment term, Cardiff can facilitate an SBA loan through an SBA partner.
Generally, Cardiff likes to see at least 12 months in business, and roughly $20,000 or more in monthly gross revenue. While they advertise no minimum credit score for some products, having a fair credit score (550+) or better is helpful, especially for larger loans. They will also want to see recent bank activity to evaluate cash flow. You can provide access by connecting your bank account via Plaid.
Cardiff’s process is mostly about verifying your business’s ability to pay back the loan. That’s why the company looks at the overall health of your business rather than whether or not you check certain boxes.
Cardiff’s core offerings are geared toward businesses with an established track record, so startups will have difficulty qualifying. However, if you have a young business that’s already generating strong revenue in under a year, it may be worth talking to Cardiff, especially if you need equipment financing. Cardiff is often able to approve equipment loans or leases for startups if you have experience in your industry or six months or more in business.
Walmart Marketplace Capital offers financing that functions as a merchant cash advance to eligible third-party sellers on Walmart’s e-commerce platform. In essence, it provides a lump sum of working capital, which the seller then repays automatically from their future Walmart sales. It does not offer any traditional business term loans, lines of credit, or credit cards.
Yes. The Walmart Marketplace Capital program is exclusive to Walmart Marketplace sellers in the U.S. You need to have an active seller account on Walmart’s platform and meet performance metrics to receive an offer. If you’re not selling on Walmart’s Marketplace, you won’t be eligible for an offer. Even if you are a Walmart seller, you can’t self-initiate the process, so the pool of businesses that can use this program is limited to those operating on Walmart.com’s Marketplace.
The amount of funding offered through Walmart Marketplace Capital varies by seller and is based on your sales performance on the Marketplace. Walmart does not publish a set maximum advance amount. Instead, eligible sellers receive personalized offers that reflect their historical sales and the company’s internal risk assessment. Since the program is designed as a cash advance tied to future sales, Walmart generally limits offers to amounts it believes sellers can repay comfortably from ongoing Marketplace revenue.
Walmart Marketplace Capital charges a fixed fee, which applies to the advance amount like a factor rate. For example, if you take a $10,000 advance and the factor (fee) is 1.1, you’ll owe $11,000 total. The exact fee depends on your business’s risk profile and sales.
Importantly, paying it back faster doesn’t save any money. You will owe the full fixed amount regardless of how quickly you repay it. So, be sure to calculate the effective cost before accepting a financing offer.
Repayment of a Walmart Marketplace Capital advance happens automatically as a fixed percentage of your future sales revenue. Walmart takes a fixed percentage of your daily Walmart Marketplace sales revenue and applies it toward your balance. There’s no fixed monthly installment, and payments flex with your sales.
Most advances also have a maximum term. If at the end of the term you have a remaining balance (perhaps due to slower sales), they might require the remaining balance as a final payment. But typically, you should be able to pay off the advance within the designated timeframe based on your usual sales rate.
No. Walmart Marketplace Capital is limited strictly to its cash advance programs. It does not offer lines of credit, traditional term loans, or government-backed loans like SBA loans. If you need those types of financing, you’ll have to go outside of Walmart’s platform. Walmart’s focus is on short term working capital to boost your marketplace business.
If you’re a Walmart seller who hasn’t received an offer for Marketplace Capital, you’ll need to explore other financing options. This could mean looking at other online lenders, fintech companies, or traditional banks. Not being invited simply means Walmart isn’t extending an offer, which could be due to short time on the platform, lower sales, or other risk factors. You can work on improving your Walmart sales metrics to increase your likelihood of receiving an offer. But if you need funding now, other financing sources are available to bridge the gap. Just be sure to compare costs and terms, as each alternative will have its own pricing.
That depends on your situation. If you are not a Walmart Marketplace seller, then Walmart’s program isn’t even an option, and Cardiff is automatically your go-to.
If you are a Walmart seller, consider what you need. A Walmart Capital offer can be a quick, convenient advance that allows you to buy more inventory or boost your Walmart store. You will need to wait for an offer, though.
For larger funding needs, longer-term loans, or funding when you need it, Cardiff is likely the better choice. Cardiff can fund businesses quickly as well, but also provides the ability to borrow more, repay over a longer period, and access funding without an invitation. You retain full control over when to apply and how to use the money across your business.
1https://cardiff.co/
2https://cardiff.co/business-loans/products/merchant-cash-advance/
3https://cardiff.co/business-loans/products/equipment-leasing/
4https://cardiff.co/business-loans/products/sba-loans/
5https://cardiff.co/business-loans/products/business-cards/
6https://cardiff.co/business-loans/products/line-of-credit/
8https://marketplace.walmart.com/walmart-marketplace-capital/
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