What we do
Bank of Cardiff deploys the firm's capital, alongside that of its trusted partners in commercial & corporate financing opportunities nationwide.

Bank of Cardiff is a financial services leader with unparalleled industry-specific products and expertise. We maintain thousands of relationships with business owners, equipment dealers and manufacturers across the US who value our integrity, creativity and technology. Our product set includes commercial equipment financing and leasing, credit cards, merchant services, and insurance.

Small business
working capital loans

At Bank of Cardiff, we offer short-term business loans made accessible through fixed rate and fixed term facilities.

Learn more >>

Apply Now

Large business
working capital loans

The best time for a company to take out a working capital loan is before it's needed.

Learn more >>

Apply Now

Equipment
Loans

Collateralized term loans support working capital, growth acquisitions, refinance and recap.

Learn more >>

Apply Now

Equipment
leasing

Equipment Leasing can enhance liquidity, promote cash flow and improve company balance sheet.

Learn more >>

Apply Now

Merchant cash
advance (MCA)

We advanced over $75M in small business MCA loans to keep the tills of America ringing.

Learn more >>

Apply Now

Accounts
receivable finance

By combining our strong national presence as well as local market knowledge.

Learn more >>

Apply Now

Small business
working capital loans

At Bank of Cardiff, we offer short-term business loans made accessible through fixed rate and fixed term facilities. They are useful to seasonal business, including construction and retail.

Learn more >> Apply Now

Large business
working capital loans

The best time for a company to take out a working capital loan is before it's needed.

Learn more >> Apply Now

Equipment
Loans

Collateralized term loans support working capital, growth acquisitions, refinance and recapitalization, and balance sheet optimization.

Learn more >> Apply Now

Equipment
leasing


Equipment Leasing can enhance liquidity, promote cash flow and improve company balance sheet.

Learn more >> Apply Now

Merchant cash advance (MCA)

We advanced over $75M in small business MCA loans to keep the tills of America ringing. Simply put, it’s a cash injection paid back only as the business earns.

Learn more >> Apply Now

Accounts receivable finance

By combining our strong national presence as well as local market knowledge, Bank of Cardiff can create flexible and scalable financing that grows with our partners.

Learn more >> Apply Now
Small
Business Working Capital
At Bank of Cardiff, we offer short-term business loans made accessible through fixed rate and fixed term facilities. They are useful to seasonal business, including construction and retail.
In the midst of planning for the long run, small business owners face circumstances that require immediate action. Traditional banks remain on the sidelines when it comes to funding main street business with pressing needs. Without sufficient time to review multiple years of financial disclosure proving sufficient business net worth and enough current cash flow to cover new debt, the answer you already heard from both local and national bank underwriters is "no."
Fund your immediate capital needs in hour,
not months.
Should you find your business credit approaching 50% utilization or worse yet frozen, non-traditional lenders like Bank of Cardiff are here to offer a fast and simple approval process. We don't spend our time poring over your plans for our capital with a fine tooth comb. The pressing nature of your needs is treated with the utmost respect, not a reason to turn you down. Funding is assured in as little as 24-48 hours with minimal financial disclosure. Approvals are always easy to understand because they are a percentage of gross annual revenue, not net profit.
We are here to help every industry take rapid advantage of unexpected discounts on inventory, services and materials. We are here when a landlord won't roll tenant improvements into your expansion lease. We are also here when a slow-paying customer puts payroll in jeopardy or your personal credit score dips. And when net-30 runs over to 60 or 90, but you want to remain in your supplier's good graces. That's the reality of today's small business economy in America and we get it.

We are here for you.
Large
Business Working Capital
The best time for a company to take out a working capital loan is before it's needed.
In order for a company to effectively manage their working capital, one must focus on two primary objectives: ensuring that there is sufficient liquidity to meet short-term financial obligations, and increasing the profitability of the company.
We acknowledge the complexity of that relationship, as companies choose to hold onto cash for operational and sustainability reasons, yet also desire higher profits. Simply put, cash left in coffers will not generate a rate of return, while suboptimal decisions to over-leverage, and leave little in the till, could spell disaster.

A sensible approach to large business working capital lines of credit involve the coordinated thinking of both the Finance & Sales departments of a firm. A careful approach to borrowing ensures that the total investment needed in current assets blends well with the overall borrowing structure and repayment terms.

A company's working capital policy should also take into consideration the nature of the business. That is, a manufacturing firm may need to stockpile spare parts and accessories, while being owned large amounts of money
by their customers. In contrast, a food service company will have a large food stuffs inventory, but will have few trade receivables. It is therefore obvious that the manufacturer must have a carefully thought out approach to Accounts Receivable Finance, while the food retailer may not grant credit at all, but need to leverage short-term working capital line of credit. Responsibility, planning and timely execution are all characteristics of a solid approach to leverage.​

That said, a large business working capital line of credit is a critical lever to maximize a company's liquidity and flexibility.

Count on the Bank of Cardiff to deliver such expertise.
Equipment Loans
Collateralized term loans support working capital, growth acquisitions, refinance and recapitalization, and balance sheet optimization.
It makes business sense
Most businesses will write off 100% off their lease payments. Bank loans for equipment must be capitalized and only gradually depreciate over period of 5, 6, 7 or more years. Our lease can effectively accelerate those write-offs, putting cash into your pocket sooner.
Why Finance?
There are many reasons to finance your equipment purchase today:
  • Less impact on cash flow
  • Tax benefits
  • 100% financing, including soft costs
  • Conservation of capital
  • No paperwork
  • Improved balance sheet ratios
  • Option for purchase or renewal
  • Reduced interest rate risk
We are dedicated to helping your company obtain the capital it needs to grow. Our Commercial Finance Analysts will help facilitate your growth and expansion with the efficiency and cost- effectiveness you deserve.
Equipment Leasing
Equipment Leasing can enhance liquidity, promote cash flow and
improve company balance sheet.
Fund your business equipment needs in hours,
not months
Growth and opportunity often require immediate action. Whether your equipment needs are born out of necessity or careful cost-benefit analysis, new technology offers immediate benefits to industries facing global competition and rising operating costs. Without sufficient time to review multiple years of financial disclosure proving sufficient business net worth and enough current cash flow to cover new debt, the answer you already heard from both local and national bank underwriters is “no.”
Business owners with credit deficiencies face challenges financing new business equipment sold by dealers, vendors and manufacturers. Business owners with spotless credit profiles may still face headwinds when brokers, private parties and used equipment are involved in equipment transactions. Non-traditional lenders like CFLBC are here to offer a fast and simple approval process. We don't spend our time poring over your financial on transactions under $150,000.00 and your business strategy trumps balance sheet every time even on transactions up to $1 million
We are here to help your industry take rapid advantage of discounts on equipment with a unique ability to finance both titled and non-titled transactions without age restrictions inclusive of services, delivery and other transaction costs.

We are here for you.

Construction
Equipment

Build your financial by leasing your next construction equipment purchase.

Learn more >> Apply Now

Industrial
Equipment

Manufacture your success with attractive financing and leasing options for you operation.

Learn more >> Apply Now

Restaurant and Food service Equipment

From fast food to fast casual and beyond, we are your restaurant partner.

Learn more >> Apply Now

Automotive Repair and Auto Body Equipment

Get your clients up and running with capital equipment leasing and financing.

Learn more >> Apply Now

Point of Sale (POS) Equipment

A quicker checkout means more clients and a greater ROI. Check out our POS financing for both restaurants and retail.

Learn more >> Apply Now

Office Furniture and Equipment

We bring cost-effective leasing and financing tools to the table. Office furniture financing that’s easy to assemble.

Learn more >> Apply Now

Medical and Dental Equipment

With Bank of Cardiff, now your clients as well as your bottom line are salubrious.

Learn more >> Apply Now

Audio Visual
Equipment

Financing and Leasing for the A/V industry that’s pleasing to the ear.

Learn more >> Apply Now

Biotech and Life Science Equipment

Life-saving financial products for life-saving equipment.

Learn more >> Apply Now

Digital Signage
and EMCS

Show off your goods with Bank of Cardiff and show up your competition.

Learn more >> Apply Now

Computer Equipment and Software

Reboot with Bank of Cardiff. A crash-free leasing and financing solution.

Learn more >> Apply Now

Telecommunication and Networking Equipment

Connectivity without mixed signals. Network with a bank that communicates solutions loud and clear.

Learn more >> Apply Now

Security
Equipment

Safeguard your cash with a stakeout that protects your bottom line.

Learn more >> Apply Now

Salon and Spa
Equipment

Financing treatments to sooth and relax your pocketbook.

Learn more >> Apply Now

Gym and Fitness
Equipment

You spot your clients - let us spot you. Bank of Cardiff if a financial partner like you've never had before.

Learn more >> Apply Now

Material Handling Equipment

Haul away your cash flow problems with financing and leasing options from Bank of Cardiff.

Learn more >> Apply Now
Merchant Cash Advance
(MCA)
We advance over $75M in small business MCA loans to keep the tills of America ringing. Simply put, it's a cash injection paid back only as the business earns.
For many small businesses in the US, financing day-to-day operations has never been more difficult. With rising costs of real estate and labor wages, many business find difficulty managing their cash flow and are looking to alternative sources of capital like a Bank of Cardiff Merchant Cash Advance (MCA).
Unlike traditional merchant financing, MCA are a lump sum advanced to the merchant, based on future percentage of top-line revenue. Our MCA product is calculated on the basis of a merchant's most recent reported revenue, as evidenced on either their monthly bank statement, or credit card processing statement.
When compared to a traditional bank note, an MCA is a steadfast financial alternative that can be approved in minutes, not hours or days. Additionally, only minimal financial disclosure is required by the merchant and guarantor.
What your Bank of Cardiff merchant cash advance can be used for:
  • Renovation
  • Expansion
  • Equipment
  • Marketing
  • Inventory
  • Payroll
Benefits to the merchant:
  • Minimal documentation and financial disclosure required
  • Streamlined process where approval can take only a few hours
  • Receive funds in as little as 24 business hours
  • Over 67% of MCA agreements are renewed for larger approvals and extended terms
To find out more:
  •      Email: merchants@cardiffbank.com
  •      Phone: 888-296-1071
Accounts Receivable
Finance
By combining our strong national presence as well as local market knowledge, Bank of Cardiff can create flexible and scalable financing that grows with our partners.
As a well-trusted and preeminent, specialist financier, Bank of Cardiff has a central role in increasing awareness and ameliorating the perceived image of account receivable financing across the Americas.
Our dedication to growing this financial space is evidenced by our support and education programmed offered by our firm to small and medium-sized enterprises. Similarly, our industry agnosticism ensures that a broad range of company size and sectors benefit from such financing, including those with a consumer or retail focus, staffing firms, transportation (trucking and logistics), as well as manufacturing.
Obstacles to greater acceptance of accounts
receivable financing
Complex Nature: Perception exists that suggests accounts receivable financing is relatively complex. In fact, accounts receivable financing through the Bank of Cardiff couldn't be simpler: cash is advanced to rapidly growing firms who trade with larger more established enterprises. The advance is backed by the discounted sale of an invoice or forthcoming payment. The seller receives its cash infusion and assigns the Bank of Cardiff (the factor) the legal right to collect the receivable.

Awareness: Many businesses lack familiarity with what accounts receivable financing truly is and therefore mistakenly believe that access to this product is both limited and has a premium associated (when compared to lines of credit or  small business working capital loans / large business working capital loans )

In actuality, invoice factoring is easily accessible and is competitively priced. It is best used by businesses that need immediate access to outstanding debts to improve cash flow and have creditworthy business-to-business accounts receivable.
Companies of all sizes and industries rely on Bank of Cardiff for accounts receivable financing. Below are a number of reasons:
  • To protect against bad debt losses
  • Increase the efficacy of their collection efforts
  • For growth and enhanced liquidity
  • Seasonal sales
  • Buyouts/M&A
  • Payroll and tax payments/delinquencies
Costs associated with accounts receivable financing
Bank of Cardiff's interest rate is highly competitive and is benchmarked against major indices, including a margin based on the daily amount advanced during that month.