Cardiff Business Loan Review 2024

Working Capital author
William Stern

Editorial Lead

Our Perspective

Cardiff emerges as a compelling choice in the alternative lending space, particularly for businesses needing swift and substantial financial support. Its streamlined application process and ability to accommodate a variety of credit histories make it an accessible option for many businesses. While there are concerns about non-transparent interest rates and potential high fees, Cardiff's flexibility in offering additional loans while balancing the debt obligations responsibly. For businesses with a clear repayment strategy and those in urgent need of funding, Cardiff offers practical solutions, blending speed and adaptability in its financial offerings. However, it's still advisable for potential borrowers to carefully consider all terms to ensure Cardiff aligns with their financial needs and capabilities.


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On Cardiff's Website

Apply Now

On Cardiff's Website

Loan Amounts

$10,000 to $500,000

APR range


Minimum Credit Score



  • Loans available up to $500,000, catering to a wide range of financing needs.
  • Streamlined and efficient application process.
  • Swift funding capabilities, often with same-day fund availability.
  • Provide access to specialty lenders to offer the best market rates.


  • Does not offer financing for startups.
  • Requires insight into your business objectives.

Who Cardiff Is Best For

Cardiff is ideal for small and large businesses, particularly those with varied credit histories. It's a top choice for companies needing quick funding for essential projects or investments, offering flexible financing solutions that cater to diverse business needs.

Who Cardiff Isn't Right For

Cardiff may not be suitable for businesses in certain high-risk sectors. Excluded industries include automotive dealerships, financial service providers, and non-profit organizations, reflecting Cardiff's risk management policies.

What Cardiff Offers

Cardiff provides a wide range of loan types, including equipment loans, lines of credit, MCAs, and more. These loans are designed to support different business stages and needs, with no restrictions on how the funding is used, as long as it's for business-related expenses.

Cardiff Business Loan Details

Loan terms range from 3 to 18 months for most loans, aligning with industry norms. Equipment financing terms extend from 2 to 5 years, offering flexibility for both new and established businesses. Loan amounts can vary from $5,000 to $500,000, providing a wide range for different business requirements.

How to Qualify for a Cardiff Business Loan

To qualify, businesses need a minimum FICO score of 550, at least a year of operational history, and a reasonable number of negative ending days (NEDs) in the past six months. This inclusivity makes Cardiff's funding accessible to a broader range of businesses.

How to Apply for a Cardiff Business Loan

The application process is initiated online and includes providing business, personal, and financial details. It consists of several concise sections, and the approval and funding timeline can vary based on documentation and additional information requirements.


Rates start at a factor rate of 1.17, but specific details are not transparently disclosed on Cardiff's website. It's crucial for businesses to understand the loan terms and rates thoroughly to avoid unexpected costs.

Fine Print

Cardiff's flexibility in offering additional loans while balancing the debt obligations responsibly. However, businesses must be cautious of accumulating debts. Fees include documentation and origination charges, which can add to the total cost of the loan. Cardiff's renewal policy is designed to support business growth, with flexible options and an interest-free early payoff feature for eligible customers.


The review of Cardiff was comprehensive, utilizing 16 data points across various categories like loan details, costs, customer experience, eligibility, and application process. This methodical approach ensures a balanced and thorough evaluation of Cardiff's services in the lending market.