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
Equipment leasing allows you to use an asset without the burden of ownership. At the end of the lease term, you decide if you want to pay to own the equipment, return it, or continue to lease. Equipment financing allows you to own the equipment after a fixed term. When it comes to structuring your financing, Cardiff is flexible. Choose the program and terms that fit your budget and your cash flow.
You're probably familiar with how an automobile lease works. It can save you money, but you won't own the asset at the end of the term. Some business owners like this structure, because they have the option to buy or return the equipment at the end of the lease, while enjoying a lower payment in relation to financing. Your CPA may not need to list an operating lease on your balance sheet, which may offer a number of advantages.
An Equipment Finance Agreement (EFA) shares many of the characteristics of a loan. It comes with higher payments than an operating lease, but you are the legal owner of the asset. If you're certain you want to own the equipment once the term is complete, this is the right structure for your business. The EFA has a cousin called a capital lease. If your lease has a bargain purchase option at the end like $1 or $101, this is a capital lease structure. There may be some tax benefits in choosing a capital lease over an EFA, but that's between you and your CPA.
