Cardiff

America's Favorite Small Business Lender

America's Favorite Small Business Lender

Pre-qualify in Minutes. No hard credit pull.

Google rating: 4.9 out of 5 stars · Better Business Bureau · BBB Accredited Business, A+ rating
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Recognized by industry leaders

Voted America's Favorite, 3 years running
Great Place to Work Certified, 2026
TechRound Top 100 Businesses & Startups, 2025
Global SME Banking Innovation Award, 2026
Voted America's Favorite, 3 years running
Great Place to Work Certified, 2026
TechRound Top 100 Businesses & Startups, 2025
Global SME Banking Innovation Award, 2026
Voted America's Favorite, 3 years running
Great Place to Work Certified, 2026
TechRound Top 100 Businesses & Startups, 2025
Global SME Banking Innovation Award, 2026
Voted America's Favorite, 3 years running
Great Place to Work Certified, 2026
TechRound Top 100 Businesses & Startups, 2025
Global SME Banking Innovation Award, 2026
Great Place to Work Certified, 2026
Global SME Banking Innovation Award, 2026

Approval In Minutes, Funding Same Day*

Expand your business with fast, flexible working capital.

Dr. Todd Pizzi, Owner, Del Mar Dental Studio
Quick cash to repair equipment or hire staff, that's how we compete.
Dr. Todd Pizzi·Owner, Del Mar Dental Studio
$500k
in minutes
Cardiff application, connect your bank securely with Plaid

Bank-grade security
Connect in seconds

  • Fast approval
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  • Skip the paperwork
    No PDFs, no fax machines, Plaid provides a secure way to verify your business.
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As featured in

InvestopediaMarketBeatGoBankingRatesBloombergFox BusinessInc.CNBCThe Daily WireBusiness Insider
InvestopediaMarketBeatGoBankingRatesBloombergFox BusinessInc.CNBCThe Daily WireBusiness Insider

Real success stories

Real business owners who needed capital, got it fast, and kept growing, in their own words.

Mikey G.
COO · Ballast Point
Mikey G.
Ballast Point
“Most of us don't have piles of money in our bank accounts, so we need capital. That's when we go to Cardiff, who can actually fund, and fund quick.”
BALLAST POINT
Kenji Aoshima, Robataya OtonRobataya Oton
Owner · Robataya Oton
Kenji Aoshima
"Finding a lender you can actually trust is very hard. My experience with Cardiff has been great."
Robataya Oton
Boris Barshak, Owner, Alpha Mechanical Inc.Alpha Mechanical Inc.
Owner · Alpha Mechanical Inc.
Boris Barshak
"You have to have a good financial partner... Fast and understanding and be able to work with small businesses."
Alpha Mechanical Inc.

Small business financing, by the numbers

20+ years funding America's small businesses
$12.4B+

Capital to keep yourstoregrowing

Real funding for the industries that keep America running.

Restaurants & Food
Restaurants & Food
$1.6B funded · Indep. + Franchise

What real business owners say

Same-day funding for the operators who keep American small business running.

Elvido Tiburcio
Elvido Tiburcio
5.0
"After speaking with over a dozen lenders, I went with Cardiff because I felt I could trust them. No fluff, no BS, they got me started with $55K within 48 hours."
Working Capital
Mercedes Davlantes
Mercedes Davlantes
5.0
"Getting my loan through Cardiff was incredibly easy and fast. Honest and transparent every step of the way, and it was funded the same day. Smooth and stress-free start to finish."
Same-Day Funding
Xander Hammond
Xander Hammond
5.0
"When I needed new equipment for my auto repair shop, Cardiff's equipment financing was a game-changer. Quick approval, competitive terms, and I didn't have to drain my working capital to grow."
Equipment Financing
$12.4B+

Your next move
starts here

Pre-qualify in Minutes. No hard credit pull. A real underwriter on the file before the day is out.