SBA Business Loan Options in Seconds
Cardiff, Inc.
California Lender License
60DBO-129171
Quick Approvals, No Hard Credit Checks, Zero Obligations.
Business Financing up to
$500K
Amount Funded to Small Businesses
$8 Billion+
Application Process only takes
5 minutes
What are SBA Loans?
SBA Loans are government-backed loans designed to provide financial assistance to small businesses. They are facilitated by approved SBA Lenders and aim to offer lower interest rates and flexible Terms on SBA Loan agreements.
Swift Decision-Making
Submit your application and receive a decision swiftly, allowing you to focus on growing your business.
Immediate Fund Access
Upon approval, your funds become immediately accessible with just a few clicks, free of any delays or obstacles.
Tailored Payment Options
Enjoy repayment plans that adapt to your business needs, letting you concentrate on your core operations.
Empowering Your Choices
With a variety of financial solutions, you have the freedom to steer your business in the direction you choose.
Your Go-To Lender for Business Funding
Select from a diverse array of financing solutions tailored to meet your business objectives. We navigate the financial intricacies, freeing you to concentrate on scaling your enterprise.
All-in-One Application
Discover the perfect merchant cash advance option tailored to your business needs in just a few clicks.
Faster Funding
Once approved, your funds are promptly released, enabling you to advance your business goals efficiently.
Flexible Financing
We offer a range of loan options that flex to fit your business’s unique financial landscape.
Evolving Support
As your business grows, our financing solutions scale to meet your changing needs.
Requirements and Qualifications for SBA Loans
The Requirements for SBA Loan and Qualifications for SBA Loans can vary widely depending on the type of loan and the lender. Generally, you’ll need to have been in business for a certain number of years, meet revenue requirements, and have a good credit score. Some loans, like the SBA 7(a), have specific eligibility criteria that may include the use of the loan funds and the nature of your business.
Small Business Financing Eligibility Checklist
- Operating for 12+ months
- Incorporated as a Corporation or LLC in the United States
- $20,000 in monthly revenue
- 600+ credit score
- Active bank connection (Plaid™) or statements from the last 3 months
Application Essentials
- Basic details about you and your business
- Bank connection or bank statements for the past 3 months
- Business in good standing
Simplified Application Journey
Our business loans include a range of repayment options, giving you the financial flexibility to succeed.
Adaptive Payment Solutions
Cardiff’s financing options offer the adaptability your enterprise needs to flourish.
Competitive Pricing Advantage
Enjoy industry-leading rates when you choose our tailored business financing options.
Open and Honest Process
We emphasize clear communication and transparency at every step of your financing journey.
Small Business Administration Loan FAQs
What is an SBA loan?
An SBA loan is a type of business financing that is guaranteed by the U.S. Small Business Administration. These loans are issued by approved SBA lenders and are designed to offer competitive terms and rates to help small businesses grow.
What is the easiest SBA loan to get?
How much money do you need to get an SBA loan?
How much money does the SBA give you?
Is getting an SBA loan a good idea?
What credit score does SBA require?
What options do I have to finance my business?
Does everyone qualify for SBA loan?
Not everyone will qualify for an SBA loan. Eligibility criteria can include your business’s age, its financial health, your credit score, and the specific requirements of the SBA loan program you’re applying for.
How long does it take to get an SBA loan?
Why do I need to connect my business checking account with Plaid™?
Why choose Cardiff
- Transparent Rates
Our business loan rates start at 5.99%, ensuring you have a clear understanding of the costs involved. - Nearly 20 Years of Experience
We have a proven track record, serving small businesses for nearly two decades. - Trusted Partner
Count on our expertise, reliability, and personalized service to support your business goals.
See what business owners like you have to say
*Cardiff can fund same day for applications approved by 5:00 p.m. Eastern Time on bank business days.
