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We specialize in connecting private lenders to businesses to secure business capital to run their daily operations. Apply within minutes no impact to your credit score.

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Cardiff is cash for your business, on your terms.

Choose an amount to see how Cardiff could help with a loan of that size.***

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Financial solutions for every business.

Business loans and Revolving Line of Credit...

ARF’s working capital loans are just the thing you need!

Giving power to do more. ***

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Apply for a Line of Credit

Business line of credit

Apply for a business line of credit up to $250,000 and pay only for what you use, with rates starting as low as 6.75%.

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Business capital

Access business capital whenever you need to cover big expenses, scale up your business, and expand.

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SBA loans

Are seeking an SBA loan? We have partnered with SBA lenders to get you funded up to $5MM.

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Need a personalized solution?

Get in touch with us, and we will help you to create the right business loan product for your business.

Customize your plan

Who can apply for business loan?

Businesses that have operated from six months to twenty-four months with a proof of monthly revenue up to $20,000 can qualify for funding within 48 hours of completed loan application.

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What is your next business goal?

Whether you need to buy more inventory, equipment or increase the manpower in your business, Lendipac has multiple financial solutions for your business.

Startups

Apply for business capital & grow your business

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Established businesses

Get a flexible business line of credit & grow

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Is a long-term SBA loan good for you?

SBA loan products are great for long-term growth

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A trusted leader in small business lending

Cardiff, a small business lender based in San Diego, offers fast, flexible financing solutions tailored to the needs of small businesses throughout the US. Since 2004, the company has funded over $10 billion, providing approval in minutes and same day funding in most cases.

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Tell us a little bit about your business and get approved in less than 2 minutes.

Access your business capital in 48-72 hours

Apply for business capital and get funded within forty-eight hours of completed loan application.

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Our latest business development articles

Learn insights to effective business and cash flow management, and how it can be of great benefit to your business.

5 Steps to getting your business funded

Understand what you need before applying for business loans.

Most common mistakes that may get your business loan denied

To plan for changing sales and unpredictable income, first identify your basic expenses and create an emergency fund to cover them. Next, use a zero-based budget by assigning all your income to fixed costs and savings. Review past data to forecast demand and optimize your inventory management. Consider adding different products or services to create more consistent revenue throughout the year. Regularly track your expenses, calculate your average income, and adjust your budget to handle slow periods and avoid overspending during busy times. ‍