It's been a pleasure working with Bank of Cardiff. Very professional and knowledgeable customer service. We are blessed to have found them, when other banks denied us loans. Thank you and we hope to keep working together for a better future.
Cardiff was able to provide me funding where other banks were not. My credit score, which I find to be a challenge when finding a loan for my business. Their representatives were great. They offered me some financial advice in order to get future funding at even better terms which I found very helpful as well.The loan process was very easy and you get funded in less than 48 hours. I will certainly use them again in the future.
Recently got our semi trucks financed through Bank of Cardiff. Never thought we would get the loans approved at one point, but to my surprise we got approved . Not only did we get approved , we got very good interest rates considering this was our very first time financing an equipment. It was an awesome experience working with Ally Diaz, she was very polite and helpful. Great customer service, communication was excellent all through the process. She took her time in answering all my questions and directed me to the right person as needed within their organization. I will definitely recommend Bank of Cardiff to other business associates and family!!!
I had a great experience with Ms. Tania Stevenson this week. We were in need of a loan to get us through the month, while waiting on payments from net/30 customers. She was very knowledgeable about all of the products that Bank of Cardiff offers. She moved quickly & professionally to meet our needs! I'm so grateful for her and her service to help us. Great Job Tania!!
If you need cash just call Saul and Chris they are both amazing people. I never thought I would even get near a loan but they made it happen. The process was easy an fast!! I would recommend them 1000x.
Had a great experience with Bank of Cardiff. If you need quick and easy finance call them, and specifically ask for Jesse Moore or Sal they know all the different programs Cardiff offers and better fit your needs. Quick, easy, straight to the point and no bull. Jesse and Sal will try their best to get you exactly what u need. Definitely will keep using Bank of Cardif . Thanks
Had a great experience. Great customer service Sal & Jesse were very helpful. Need a loan give them a call.
It's always a pleasure to work with John at Bank of Cardiff! We have received nothing less than prompt, attentive, friendly service. Bank of Cardiff gave us comfort and hope during a difficult situation, and we would recommend John Mena to anyone and everyone we know!
This is my second time working with Cardiff Bank and I enjoy it. This time around Christian worked with me on getting a bigger loan. I would recommend Cardiff Bank to anyone trying to get a loan. I forgot to mention that they work with your credit score to get you the best interest rate.
John and Mitch were very great, responsive and stayed in touch with me the whole process. this is my third transaction with bank of Cardiff , I would recommend them any time
Borrowing for your business used to be an overwhelming and anxiety-inducing process. Stress no more! Cardiff makes borrowing better by simplifying the application process and getting you funding in minutes, not days or worse yet weeks.
Here’s what we’ll look for in order to get you approved for a working capital business loan:
Found a piece of equipment for your business that you just can’t live without? If so, you’ll want to finance it with a Cardiff equipment finance loan. Here’s what we’ll look for in order to get you approved:
Typically, personal credit scores aren’t as important as other commercial credit factors. However, a good rule is that if your Credit Score score is over 500, you’re in the clear!
We look for at least 6 months of time in business.
$20,000/month or $240,000 in annual sales with a minimum of three deposits/month.
Having US citizenship isn’t required. Cardiff only requires that the business owner be a legal resident.
Any owner can execute the contract regardless of their ownership percentage
Equipment loans require a 600 Credit Score or better. Keep in mind that equipment loans are credit-based, not revenue-based.
Start-ups are welcome! Looking for more than $100K and better rates, you’ll need more than two years in business.
Unlike a working capital loan, revenues aren’t a large factor when it comes to equipment loans. Have small revenues and need a big piece of equipment? Chances are with a great Credit Score and more than two years in business, you’re approved!
Having US citizenship isn’t required. Cardiff only requires that the business owner be a legal resident.
51% ownership will need to sign on behalf of the company. Personal Guarantees are required for businesses with less than ten owners. Corporation-Only (Corp-Only) approvals are available for widely-held corporations.
Whether you know how much you’d like to borrow for your business or what piece of equipment you’re looking to finance, applying with Cardiff is a simple process. If you’ve got 60 seconds, we’ve got an approval for your business that’ll fit your budget and guarantee you’ll continue to thrive!
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Cardiff works with a wide variety of small businesses. Here are just a few of the types of small business loans that Cardiff specializes in:
Automotive dealers, financial services firms, law firms, and non-profits typically won’t qualify for a Cardiff business loan.
