Cardiff

Cardiff is a financial services company that has established itself as America's Favorite Small Business Lender since its founding in 2004. Headquartered in Solana Beach, California, Cardiff has funded more than $12.4 billion for small businesses across the United States, empowering over 47,000 businesses nationwide. The company specializes in providing fast, flexible financing solutions including working capital loans, equipment financing, lines of credit, merchant cash advances, and SBA loans.

What sets Cardiff apart is its commitment to speed and accessibility. The company offers approvals in minutes with same-day funding, using proprietary underwriting technology integrated with partners like Plaid and Experian for real-time financial analysis. Cardiff serves diverse industries including restaurants, retail, construction, healthcare, trucking, and manufacturing, among others. The company is recognized with awards including America's Favorite Small Business Lender for multiple consecutive years, Great Place to Work Certified, and the Global SME Banking Innovation Award. Cardiff combines digital innovation with personalized service, maintaining a team that treats every business like a partner while still answering the phone when customers need capital fast.