Cardiff Business Loan Review 2025
Anna Marie
Editorial Lead
Updated: August 6, 2025
Discover our top choice for small business loans and industry-leading same-day funding.
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. Updated July 2025. 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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Pros
- 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.
- Equipment Financing available for start-up businesses.
Cons
- Does not offer working capital for start ups.
- Requires connection to Plaid.
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Who Cardiff Is Best For
Cardiff is ideal for small business owners who need fast, flexible funding without the traditional red tape. If you’re searching for terms like “apply for working capital,” “get a business loan,” or “merchant cash advance same day funding,” Cardiff is likely a great fit. It’s beneficial for small businesses across industries, including:- Auto body businesses seeking auto repair shop financing or small business loans
- Hospitality businesses applying for hotel, travel agency, or beauty salon business loans or spa equipment financing
- Landscaping businesses requiring lawn care business loans, equipment financing, or a same-day loan
- Contractors and construction firms exploring general contractor loans, heavy equipment loans, or construction contract financing
- Retailers and restaurants needing merchant cash advance same day funding, restaurant line of credit, or retail business loan options
- Medical and dental practices in search of physician business loans, healthcare practice loans, or working capital loans for doctors
Who Cardiff Isn't Right For
Cardiff isn’t a great fit for:- Startups or pre-revenue businesses without operational history
- Applicants seeking long-term or low-interest SBA loans
- Individuals needing personal loans or consumer credit
- Businesses without a clear funding use case
- Companies with unresolved bankruptcies or major financial compliance issues
What Cardiff Offers
Cardiff offers a wide range of tailored financing solutions:- Working capital loans for restaurants, healthcare, contractors, and more
- Merchant cash advances with fast approval and same-day funding
- Business lines of credit, including revenue-based and unsecured options
- Equipment financing for medical practices, landscaping businesses, and spa upgrades
- Invoice financing to ease cash flow gaps while waiting on payments
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, you generally need a minimum FICO score of 550, at least 6–12 months in business, a minimum monthly revenue of $10,000, a business bank account, and a clear funding use case. This makes Cardiff accessible for many who traditional banks otherwise deny.How to Apply for a Cardiff Business Loan
The online application takes just minutes. You’ll provide basic business, financial, and personal information. If eligible, you can receive an approval decision and funding as fast as 24 hours later.
Rate
Rates start at a factor rate of 1.17, but you have to apply for exact APR information. As with any loan, check origination and documentation fees, renewal terms for returning customers, and interest-free early payoff options for eligible borrowers. Review all terms before committing, especially if you compare with business credit line of credit options.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.Methodology
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.