Company: Cardiff
Founder and CEO: William Stern
Website: https://cardiff.co/
About Cardiff
Cardiff is a leading, digital-first lender focused on empowering small and mid-sized businesses across the United States. Since its founding in 2004, the company has grown to serve a wide range of sectors (including auto repair, construction, dental practices, restaurants, trucking, and landscaping) by offering flexible financing solutions like business credit cards, SBA loans, merchant cash advances, lines of credit, and equipment financing.
Over more than two decades, Cardiff has overcome significant challenges in making capital easily accessible to business owners who often face friction with traditional lenders. By building a streamlined, online application process, they now deliver approvals in about five minutes and often fund the same day.
That speed, combined with real-time financial analysis and tailored terms, has allowed Cardiff to democratize access to growth capital for businesses that may otherwise struggle to secure funding.
To date, Cardiff has deployed more than $12 billion in funding. The company recently secured a major senior revolving credit facility with a U.S. bank, boosting its capacity to lend more broadly and sustainably.
This scale underscores Cardiff’s role not just as an alternative lender, but as a primary financial partner for high-quality, growth-oriented small businesses.
Cardiff’s impact on the financial services industry lies in redefining the trade-offs small businesses used to face. Legacy lenders often made entrepreneurs choose between speed and cost. Cardiff has upended that by using technology to deliver both fast access to capital and affordable terms, effectively proving that modern underwriting can be efficient without sacrificing fairness.
By putting business owners first, staying highly responsive, and continuously investing in its lending platform, Cardiff has reshaped how small companies finance their future, helping them seize opportunities, weather cash flow challenges, and grow on their own terms.
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