Traditional banking systems have long been the cornerstone of commercial lending, yet their rigid qualification criteria and sluggish approval processes often sideline small businesses. Cardiff, spearheaded by CEO William Stern, is challenging this status quo with its innovative approach to working capital solutions. By reimagining the merchant cash advance (MCA) model, Cardiff provides a lifeline to small businesses through Revenue Based Financing, business lines of credit, and term loans, all designed for speed, flexibility, and accessibility.
Cardiff's working capital term loans represent a significant departure from the opaque and costly MCAs of the past. Offering fixed sums with clear repayment schedules over three to 24 months, these loans empower business owners with predictability and control over their finances. This transparency is a game-changer for businesses accustomed to the uncertainty of traditional MCAs.
What sets Cardiff apart is its lightning-fast funding capability. While traditional banks may take weeks or months to approve a loan, Cardiff's technology-driven underwriting process enables approvals and fund disbursement within 24 to 48 hours. This efficiency is critical for small businesses navigating cash flow challenges or seizing growth opportunities.
Cardiff's inclusive underwriting criteria, which focus on business health rather than credit scores, open doors for entrepreneurs often overlooked by conventional lenders. From restaurants to retail shops and contractors, Cardiff's solutions cater to a wide range of industries, supporting business growth, workforce expansion, and economic resilience.
Under William Stern's leadership, Cardiff is more than a lender; it's a strategic partner for small businesses. By offering transparent, flexible financing options, Cardiff is empowering the backbone of the American economy to thrive on their own terms.
