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What we do

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

Cardiff Bank 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

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Large business
working capital loans

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Equipment
Loans

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Equipment
leasing

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Small Business
Working Capital

At Cardiff Bank, we offer short-term business loans made accessible through fixed rate and fixed term facilities.
Fund your immediate capital needs in hours,
not months.
Should you find your business credit approaching 50% utilization or worse yet frozen, non-traditional lenders like Cardiff Bank are here to offer a fast and simple approval process. 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.
Should you find your business credit approaching 50% utilization or worse yet frozen, non-traditional lenders like Cardiff Bank 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

Large
Business Working Capital

The best time for a company to take out a working capital loan is before it's needed.
Ensuring that there is sufficient liquidity to meet short-term financial obligations, and increasing the profitability of the company.
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 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.
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 Cardiff Bank 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.
Equipment Leasing can enhance liquidity, promote cash flow and
improve company balance sheet.
Fund your business equipment needs in hours, not months
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.
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

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