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AFFORDABLE
EQUIPMENT LOANS
Must verify your
business checking
account via PlaidTM

5 Minute

Application
Process

$8 Billion+

Funded to
Small Businesses

19 Years

Financing
Equipment

A+ Rating

With Better Business
Bureau

Financing Solutions Tailored to Your Needs

Trusted Equipment Finance Company

At Cardiff, we have been a trusted name in the equipment financing industry for almost two decades. With a track record of success, we are proud to have funded over $8 billion in small business financing, helping businesses across various industries achieve their goals. As one of the top equipment finance companies and equipment leasing companies, we specialize in providing affordable equipment loans and leases to businesses in construction, manufacturing, transportation and logistics, healthcare, agriculture, food services, technology and IT, energy and renewable resources, retail, and professional services. Trust Cardiff, a leading equipment finance company, to be your partner in securing the equipment financing you need to propel your business forward.

Flexible Equipment Loan Terms and Equipment Leasing Options

Equipment Financing Rates starting at 5.99%

At Cardiff, we understand that flexibility is crucial when it comes to equipment financing. That’s why we offer a range of equipment leasing and loan terms tailored to your business’s cash flow and goals. Whether you need shorter-term equipment financing or prefer a longer repayment period, our equipment financing terms range from 12 to 84 months. Additionally, our competitive equipment leasing rates start at just 5.99%, ensuring affordability for your equipment financing needs. We go beyond traditional financing options to support your business. As one of the top equipment finance companies, we offer unique features, including 100% prefunding. This means we can pay vendors or private party sellers directly before equipment shipment or title release, simplifying the transaction process and saving you time. Additionally, we offer $0 down equipment financing options to support your cash flow, allowing you to acquire the equipment you need without upfront costs.

Why Choose Cardiff for Equipment Financing?

Top Equipment Finance Company - Same-Day Funding Available

When it comes to equipment financing, Cardiff, one of the top equipment finance companies, stands out. Choose us for these reasons:

  • Quick Approval Process: As one of the best equipment financing companies, we understand that time is of the essence. With our streamlined application, it takes less than 5 minutes to fill out the application, allowing you to get started quickly.
  • Same-Day Funding: At Cardiff, we value the importance of timely transactions. As one of the top equipment finance companies, we offer same-day funding for your equipment deal. This means you can take advantage of opportunities and acquire the necessary equipment without any unnecessary delays.
  • No Hard Credit Pulls: As a trusted equipment finance company, we understand the importance of maintaining a good personal credit score. At Cardiff, we don’t perform hard credit pulls, so you can apply or check eligibility for equipment financing without affecting your personal credit.
  • Building Business Credit: By working with Cardiff, one of the best equipment financing companies, and making timely payments, you have the opportunity to build your business credit, enhancing your financial reputation and opening doors for future financing opportunities.
  • 100% Prefunding: Our prefunding feature allows for direct payment to vendors or private party sellers before equipment shipment or title release. This saves you time and ensures a smooth transaction process.
  • $0 Down Equipment Financing Options: To support your cash flow, we offer $0 down equipment financing options. This allows you to acquire the equipment you need without upfront costs, preserving your working capital for other business priorities.
Instant Approval and
Same Day Funding
Apply Now
Step 1. Complete the Application

Fill out our straightforward application, providing the necessary information about your business.

Step 2. Connect Your Business Checking Account

Connect your business checking account securely via PlaidTM to streamline the process.

Step 3. Get a Decision in Minutes

Our efficient review process allows us to provide you with a decision quickly, so you can access the funds you need.

Step 4. Fund Your Equipment Loan

Once approved, your funds will be disbursed to your equipment vendor or private party seller.

Funded Same day
$8 Billion+ Funded
Over 15 years, we have funded
over $8 Billion for small
businesses across the country.
Funded Same day
5 Minute Approvals
Know how much funding you
can get within 5 minutes of
applying.
Funded Same day
Same Day Funds
Your funds will be disbursed,
to your equipment vendor
same day.

Who Qualifies for Equipment Financing with Cardiff?

Equipment Financing for Small Businesses

At Cardiff, one of the top equipment finance companies, we strive to make equipment financing accessible to a wide range of businesses. We welcome partnerships with small businesses that meet the following criteria:

  • Time in Business: We require a minimum of one year in business to qualify for equipment financing. This allows us to assess the stability and track record of your business.
  • Credit Score: While we consider credit scores, we understand that each small business is unique. As one of the top equipment finance companies, we take a holistic approach and work with small businesses with a minimum credit score of 625, valuing the potential and determination behind every entrepreneurial venture.
  • Annual Revenue: Your small business should have a minimum annual revenue of $200,000. This ensures that your business has the financial capacity to handle equipment financing obligations.
  • Business Checking Account and PlaidTM Integration: To streamline the application and verification process, we request that small business applicants have a business checking account and integrate it with PlaidTM. This allows us, as one of the top equipment finance companies, to swiftly verify and qualify your small business for equipment financing, making the process as efficient as possible.

We understand that every business has unique circumstances and challenges. If you don’t meet all the mentioned criteria, we still encourage you to reach out to us. We believe in the power of individuality and are committed to exploring potential financing options that cater to your specific needs.

Unlock the Benefits of Equipment Financing with Cardiff
  • Acquisition of Essential Equipment: Cardiff’s equipment financing allows businesses to access the equipment they need without a large upfront investment, driving their operations forward.
  • Flexible Financing Options: We offer a range of loan terms and repayment options, allowing businesses to choose terms that align with their cash flow and financial goals, making it easier to manage their finances effectively.
  • Preserves Working Capital: Our financing options help businesses preserve working capital for other essential needs, such as inventory, marketing, or expansion, instead of tying it up in equipment purchases.
  • Competitive Rates, Fast Approvals, and Same-Day Funding: Benefit from our competitive rates starting at 5.99%, fast approvals in minutes, and same-day funding, ensuring affordability and timely access to the equipment you need.

With Cardiff’s equipment financing, businesses can acquire essential equipment, preserve working capital, enjoy flexibility in financing options, and benefit from competitive rates, fast approvals, and same-day funding.

See if you Qualify
Qualify for Equipment Financing
To qualify for our financing options, you need to meet the following requirements:
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In business for at least one year
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Annual business revenue of $200,000 or more
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Personal credit score of at least 625
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Business bank account

Industries We Serve

At Cardiff, we proudly serve a diverse range of industries, providing tailored equipment financing solutions to meet their specific needs. Our expertise extends to the following sectors:

  • Construction
  • Manufacturing
  • Transportation and Logistics
  • Healthcare
  • Dental
  • Food Services
  • Technology and IT
  • Contractors
  • Retail
  • Professional Services

These are just a few examples of the industries we serve. Regardless of your industry, if you require an equipment loan or equipment leasing, we are here to help. Contact our experienced team today to discuss your specific equipment financing needs.

Thousands of Positive Five-Star Reviews and A+ BBB Rating

At Cardiff, we take pride in our exceptional customer service and commitment to client satisfaction. Our clients have left us thousands of positive five-star reviews, highlighting our professionalism, transparency, and dedication to helping businesses thrive. As a testament to our commitment, we hold an A+ rating with the Better Business Bureau (BBB), showcasing our commitment to ethical business practices and customer support.

Fernando Quiroz
“Incredible, I called on a Wednesday and Mitch @ Cardiff helped me out; I followed the steps, completed paperwork and by Friday I had the funds in my account! I know it sounds too good to be true, but YES…I had $ in my account on the 3rd day!!! Thank you Mitch @ Cardiff. I will continue doing business with you!!!!”
—Fernando Quiroz
Angelina Anisimova
“I have been working with Cardiff for several years now. Different representatives, all nice people. Ruben Goldstein and I started working last Spring. He knows what he is talking about, he calls you back and he answers your emails and texts within a couple of hours. I like doing business with people like that. I feel like I can trust him. I followed his advice. I think I made the right choice. Thank you!”
—Angelina Anisimova

Equipment Financing for Vendors and Sellers

Streamline Your Sales Process

Are you an equipment vendor or a private party seller? Partner with Cardiff, a trusted equipment finance company, to enhance your sales process and accelerate your business growth. We understand the importance of strong relationships between equipment vendors, sellers, and buyers. By offering 100% prefunding, we ensure that vendors and sellers receive payment promptly, even before the equipment is shipped or the title is released. This helps streamline the sales process, providing confidence and security for all parties involved. Whether you’re an equipment manufacturer, distributor, or private party seller, partnering with Cardiff, one of the top equipment finance companies, can enhance your sales process and help you close deals faster.

Three forklifts lined up in a row, representing the availability and accessibility of equipment financing options for businesses in need of reliable equipment for their operations.

FAQs about Equipment Financing

Equipment financing, also known as equipment loans or leases, is a financing option that allows businesses to acquire the equipment they need for their operations without paying the full cost upfront. Instead, the equipment is financed through a loan or lease agreement, with regular payments over a specific term.

A wide range of equipment can be financed, including machinery, vehicles, technology, tools, and more. Whether you need construction equipment, medical devices, or IT infrastructure, our equipment financing options cover various industries and equipment types.

Equipment financing offers several benefits, including preservation of capital, tax advantages, cash flow management, and access to modern equipment. As one of the top equipment finance companies, we understand the needs of businesses and provide flexible financing options to meet those needs.

The equipment financing process typically involves application, documentation submission, approval, equipment acquisition, and regular payments. As one of the top equipment finance companies, we strive to make the process efficient and hassle-free for our clients.

Factors considered for equipment financing approval include credit history, financial stability, time in business, and the equipment being financed. As one of the top equipment finance companies, we take a holistic approach and work with businesses in various situations.

Yes, at Cardiff, one of the top equipment finance companies, we understand that each business is unique. While credit history is considered, we take a holistic approach and consider other factors such as revenue and time in business. We encourage you to apply even if you have a limited credit history or less-than-perfect credit.

Equipment leasing involves renting equipment for a specific period, while equipment financing provides ownership of the equipment at the end of the financing term. Leasing allows for equipment upgrades, while financing offers ownership rights.

In many cases, equipment financing offers tax benefits. You may be able to deduct lease payments or claim depreciation on the equipment. As one of the top equipment finance companies, it’s important to consult with a tax advisor to understand the specific tax advantages based on your circumstances.

Depending on your financing agreement, you may have options such as equipment upgrades or lease-end buyouts. Discuss these possibilities with your lender, one of the top equipment finance companies, to understand the flexibility available to you in such situations.

Connecting your business checking account with PlaidTM allows us, as one of the top equipment finance companies, to streamline the application and verification process. It enables us to securely and quickly verify your business’s financial information, saving you time and effort. This connection ensures a seamless experience, allowing us to assess your eligibility and provide you with financing options efficiently.

Commercial equipment financing is a specialized financing option designed to help businesses acquire the necessary equipment for their commercial operations. It provides businesses with the means to access the equipment they need without a significant upfront investment, making it a cost-effective solution for various industries.

Commercial equipment financing works by securing funds specifically for the purchase or lease of commercial equipment. The financing terms, including interest rates and repayment schedules, are tailored to meet the unique needs of businesses. With commercial equipment financing, businesses can acquire the necessary equipment while preserving their working capital and maintaining cash flow.

Commercial equipment financing covers a wide range of equipment across various industries. From heavy machinery and construction equipment to technology infrastructure and commercial vehicles, businesses can finance the equipment they need to support their operations and drive growth.

Equipment financing works by partnering with a trusted equipment lease and finance company like Cardiff, which has a track record of success in the industry. Cardiff offers affordable equipment loans and leases tailored to businesses in various industries, including construction, manufacturing, transportation, healthcare, food services, technology, energy, retail, and professional services.

Cardiff, as one of the top equipment finance companies, provides flexible loan terms to accommodate different business cash flows and goals. Their equipment leasing terms range from 12 to 84 months. With competitive rates starting at 5.99%, Cardiff ensures affordability for businesses seeking equipment financing and equipment leasing.

At Cardiff, we specialize in equipment leasing. We offer competitive rates and flexible terms for businesses. While rates can vary based on factors such as creditworthiness and the equipment being leased, we strive to provide affordable solutions. Our equipment leasing terms range from short-term (around 12 months) to longer-term options, catering to different business needs. To obtain personalized information on rates and terms for equipment leasing, we recommend reaching out to our experienced team.

Fill out the application form, providing the necessary information about your business, equipment needs, and financial details. (Cardiff, as a trusted equipment finance company, does not perform hard credit pulls, so your personal credit won’t be affected during the application process.)

Upon approval, Cardiff offers same-day funding, ensuring timely access to the necessary equipment financing. Review and sign the loan agreement provided by Cardiff, which outlines the terms and conditions of the equipment loan or equipment lease. Once the loan agreement is finalized, Cardiff will disburse the funds directly, allowing you to acquire the equipment you need.

Pros:
  • Lower upfront costs
  • Flexibility to upgrade or replace equipment
  • Potential tax benefits
  • Maintenance coverage
Cons:
  • Higher long-term costs
  • Limitations on equipment ownership and modifications

Pros:
  • Equipment ownership
  • Potential cost savings over the long term
  • Flexibility in equipment usage
Cons:
  • Higher upfront costs
  • Responsibility for maintenance and repairs
  • Risk of technological obsolescence
See if you qualify

Why choose Cardiff

  • Transparent Rates

Our 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.