
Updated: May 1, 2025
Discover our top choice for small business loans and industry-leading same-day funding.
Cardiff emerges as the top choice in the small business loans 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.
On Cardiff's Website
$10,000 to $500,000
6.75%–13%
550
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.
What truly sets Cardiff apart from competitors is their commitment to rapid response: approvals in minutes with same-day funding. While our WorkingCapital reviews of similar lenders like American Express Blueprint, Square Loans, Lendio, QuickBooks Capital, and LendingTree show typical approval timelines of 24-72 hours, Cardiff consistently delivers faster decisions when business owners need capital quickly. This speed-to-funding advantage gives entrepreneurs crucial flexibility in seizing time-sensitive opportunities or addressing unexpected cash flow challenges.
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.
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.
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.
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.
Cardiff offers competitive interest rates ranging from 6.75% to 13% for small business loans, positioning it favorably in the current lending landscape. According to industry data, traditional bank loans typically range from 6.54% to 11.7%, but often come with stringent qualification requirements and lengthy approval processes. Many online lenders charge considerably higher rates, with some alternative financing options reaching into the 20-30% range for borrowers with less-than-perfect credit. Cardiff’s straightforward underwriting process evaluates businesses holistically rather than solely on credit scores, allowing them to maintain reasonable rates while delivering their signature same-day funding capability. For business owners prioritizing both affordability and speed, Cardiff presents a solid option in the small business lending marketplace.
What truly sets Cardiff apart from competitors is their commitment to rapid response: approvals in minutes with same-day funding. While our WorkingCapital reviews of similar lenders like American Express Blueprint, Square Loans, Lendio, QuickBooks Capital, and LendingTree show typical approval timelines of 24-72 hours, Cardiff consistently delivers faster decisions when business owners need capital quickly. This speed-to-funding advantage gives entrepreneurs crucial flexibility in seizing time-sensitive opportunities or addressing unexpected cash flow challenges.
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.
Andrew Betz2024-07-18Trustindex verifies that the original source of the review is Google. These guys are the only option in my opinion-I wouldn't look anywhere else. Super fast, responsive, multiple options, hands down the best in the business. Mitch nailed it for us! Made business funding painless and easy and I can't say enough good things about them. Halleck C2023-12-11Trustindex verifies that the original source of the review is Google. Working with Julian from Cardiff was exceptionally great. His customer service, thoroughness of getting to understand my needs were on point. Got my company exactly what we needed to move forward. Martha Barrera2023-11-29Trustindex verifies that the original source of the review is Google. Thank you Josh Sands you make it easy through all the steps ,you deserve more than 10 🌟 🤩 I highly recommend you and Cardiff fir any business working capital loan 😀 👍 but why tho2023-11-23Trustindex verifies that the original source of the review is Google. Mitch was quick and efficient. Right to the point Michael Riggle2023-08-31Trustindex verifies that the original source of the review is Google. As a small business owner, Cardiff has always been a great partner for me. In particular, I have worked with Gabe who has provided amazing service. Robert Gangi2023-08-10Trustindex verifies that the original source of the review is Google. excellent service, quick and simple application process. Matt Snyder2023-07-31Trustindex verifies that the original source of the review is Google. Gabe was great. Very beneficial and efficient with the process. Thanks again.Google rating score: 4.8 of 5, based on 458 reviews,showing only 4-5 star reviews
WorkingCapital is not a lender or a broker. Working Capital does not offer loans, credit lines, credit cards or any type of consumer or business financing whatsoever. Rather, Working Capital provides a platform to connect borrowers with potential lenders, which may result in borrower obtaining a loan or other type of financing. The loan approval process, qualifying criteria, as well as but not limited to the terms of any financing and the terms thereof.
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