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Small Business Working Capital

Small Business Working Capital

At Bank of Cardiff, we offer short-term business loans made accessible through fixed rate and fixed term facilities. They are useful to seasonal businesses, including construction and retail.

Fund your immediate capital needs in hours, not months

In the midst of planning for the long run, small business owners face circumstances that require immediate action. Traditional banks remain on the sidelines when it comes to funding main street businesses with pressing needs. Without sufficient time to review multiple years of financial disclosure proving sufficient business net worth and enough current cash flow to cover new debt, the answer you already heard from both local and national bank underwriters is "no."

Should you find your business credit approaching 50% utilization or worse yet frozen, non-traditional lenders like Bank of Cardiff are here to offer a fast and simple approval process. We don't spend our time poring over your plans for our capital with a fine tooth comb. The pressing nature of your needs is treated with the utmost respect, not a reason to turn you down. Funding is assured in as little as 24-48 hours with minimal financial disclosure. Approvals are always easy to understand because they are a percentage of gross annual revenue, not net profit.

We are here to help every industry take rapid advantage of unexpected discounts on inventory, services and materials. We are here when a landlord won't roll tenant improvements into your expansion lease. We are also here when a slow-paying customer puts payroll in jeopardy or your personal credit score dips. And when net-30 runs over to 60 or 90, but you want to remain in your supplier's good graces. That's the reality of today's small business economy in America and we get it.

We are here for you.

Apply now!