Getting financing for your business is a straightforward process with Cardiff. Simply complete our online application, which takes about 5 minutes. You’ll need to provide basic business information, and connect your bank account through Plaid™. Once your application is submitted, you can expect a quick approval, often within minutes.

To qualify for small business financing, you’ll need to meet the following criteria:

• Have been in operation for at least 12 months
• Be registered as a Corporation or LLC in the United States
• Generate a monthly revenue of $20,000 or more
• Have a credit score of 600 or above
• Provide an active bank connection through Plaid™

The “best” financing option for your business can vary depending on your specific needs, financial health, and business objectives. We offer a variety of business financing solutions, both secured and unsecured, each with flexible repayment terms. Our streamlined application process and quick approval times allow you to easily explore the small business financing options that would be most suitable for your enterprise.

There are two primary categories of business financing: unsecured and secured options. Unsecured financing is generally geared towards providing working capital for your business operations. This type of financing does not require collateral and is primarily based on your creditworthiness and the overall financial health of your business. On the other hand, secured financing is more oriented towards acquiring assets like equipment and requires you to provide collateral as security for the loan. At Cardiff, we recognize that each business has its own distinct financial requirements. For this reason, we provide a variety of small business financing options, including both secured and unsecured loans.

To accommodate a wide range of businesses, we’ve established a baseline credit score of 600 for our business financing options. This threshold aims to balance financial accessibility with fiscal responsibility. Additionally, our application process involves a soft credit inquiry, ensuring that your personal credit score remains unaffected.

By securely linking your business checking account through Plaid™, you enable us to expedite both the application and verification stages. We can safely, swiftly, and securely authenticate your business’s financial details, sparing you both time and hassle. This streamlined connection facilitates a smooth experience, allowing for efficient evaluation of your eligibility and prompt presentation of your small business financing options.

Understanding the immediate financial needs that businesses often encounter, we’ve streamlined our application and review process for business financing to be highly efficient. As a result, we are able to offer immediate approvals and same day fund disbursements. Our goal is to minimize any operational interruptions, allowing your business to quickly access the necessary funds and seize emerging opportunities.