Working Capital

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:

Equipment Financing

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:

Credit Score Typically, personal credit scores aren’t as important as other commercial credit factors. However, a good rule is that if your FICO score is over 500, you’re in the clear!
Time in Business We look for at least 6 months of time in business.
Revenue $10,000/month or $120,000 in annual sales with a minimum of three deposits/month.
Is US Citizenship required? Having US citizenship isn’t required. Cardiff only requires that the business owner be a legal resident.
Ownership Any owner can execute the contract regardless of their ownership percentage
Credit Score Equipment loans require a 600 FICO or better. Keep in mind that equipment loans are credit-based, not revenue-based.
Time in Business Start-ups are welcome! Looking for more than $100K and better rates, you’ll need more than two years in business.
Revenue 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 FICO and more than two years in business, you’re approved!
Is US Citizenship required? Having US citizenship isn’t required. Cardiff only requires that the business owner be a legal resident.
Ownership 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.

Are You Ready to Apply?

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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Is Cardiff the right lender for my business?

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:

  • Trucking loans (long-haul, short-haul, last mile, interstate or intrastate)
  • Dental Practice loans
  • Contractor loans (electrical, general, roofing, HVAC, plumbing)
  • Restaurant loans
  • Construction loans (excavation, stone cutting, concrete, landscaping, masonry stone and tile, painting, carpentry)
  • Gym loans (crossfit, yoga, pilates, spinning, tanning)

Automotive dealers, financial services firms, law firms, and non-profits typically won’t qualify for a Cardiff business loan.