Got an offer from them after applying and being "pre approved" for $125000 The offer was $39000 Term: 13 Months Payment: $1,030 per WEEK! 56 total weekly payments With a 3% Origination Fee Tha... Toon meer
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Lees wat reviewers zeggen
Two things... I was incredibily turned off by their reps in terms of pressure and wanting to get the funding closed faster. I get that they're sales people and I get that they're using sc... Toon meer
Scammers!! They are one of the top financial scammers in the market, dont ever go to them, they steal your data sell it to other and then you are bombarded with calls n msgs, not a real lender. Nev... Toon meer
The eb and flow of business can be a hard place to navigate. The team I was working with, including Diego, was very supportive along the way when things looked like I needed additional assistance. H... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Over Cardiff, Inc.
Geschreven door het bedrijf
Since 2004, Cardiff has been dedicated to a single, clear mission: empowering small and medium-sized businesses by providing fast, flexible, and accessible financing solutions. We know firsthand that owning and running a business is hard work, and securing the capital you need shouldn't add to that burden. Because traditional bank lending can be rigid, slow, and overly reliant on perfect credit, we've built a streamlined alternative designed for the real-world needs of modern entrepreneurs.
Cardiff's philosophy is simple: we provide funding for your business, on your terms. We offer a diverse suite of financial products, including Working Capital, Equipment Financing, and Business Credit Cards. Whether you're looking to scale your operations, upgrade essential machinery, or manage seasonal revenue fluctuations, we have a tailored solution to help you keep moving forward.
We know that time is money. Our secure online application takes just a few minutes, with preliminary approvals often generated in under 5 minutes. Once approved, we can deliver funds directly to your business checking account as fast as same day. You don't need a spotless credit history to work with us. We look at the bigger picture of your business's health, revenue, and potential rather than just a single credit score.
Customer success is at the very heart of everything we do. We're constantly striving to improve our services and cut through the red tape, and your honest reviews are essential to helping us grow. Whether you've recently secured a working capital loan with us or utilized our equipment financing, we would love to hear about your experience.
Why Businesses Choose Cardiff
Geschreven door het bedrijf
- When you need capital, waiting isn't an option.
- We built our process around same-day funding so you can act on the opportunity in front of you, not the one that's already passed.
Risk-Free Application
3-minute application, no credit impact
Checking your funding options takes about 3 minutes and won't affect your personal credit. There's no obligation to accept. Apply, see what you qualify for, and decide from there.
Contactgegevens
330 S Cedros Ave #202, 92075, Solana Beach, Verenigde Staten
- (888) 234-0166
- cardiff.co
Fast, flexible funding on your terms
2,7
Slecht
25 reviews
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Heeft 71% van zijn negatieve reviews beantwoord
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Hello everyone
Hello everyone, I was gonna leave bad comments but after I saw comments, yeahh Cardiff sucks.
13 oktober 2026
Review zonder uitnodiging
84% effective interest rate?!?!
Got an offer from them after applying and being "pre approved" for $125000
The offer was $39000
Term: 13 Months
Payment: $1,030 per WEEK!
56 total weekly payments
With a 3% Origination Fee
That's almost $20,000 in interest and fees on a $39k loan. How this is legal is beyond me.
9 oktober 2026
Review zonder uitnodiging
Messy & Expensive
Two things... I was incredibily turned off by their reps in terms of pressure and wanting to get the funding closed faster. I get that they're sales people and I get that they're using scarcity tactics to try to close. But I just didn't feel comfortable with how much they're just trying to push for the close.
Second, the origination cost and the interest rate was incredibly high. As someone in the finance industry and a mortgage loan originator, 300bps closing fee plus a ~30% note rate on an unsecured financing? Holy moly... When I did the math, annualized interest rate could be higher than 30%.
I can see how they're paying for all the sponsorships and ads on podcasts with this kind of fees.
I was also concerned about them asking for my ID/DL over a text. Really? Not even a secured portal? I never really saw a bank-level grade tech infrastructure for servicing either.
LOTS of red flags went up seeing the numbers, how the reps are, and their tech stack.
I can tell they're going after businesses that are desperate and crunching for cash. If that's not you - you can find funding elsewhere that isn't going to cost you this high amount of fees and interest rate.
8 oktober 2026
Review zonder uitnodiging
They are one of the top financial…
Scammers!!
They are one of the top financial scammers in the market, dont ever go to them, they steal your data sell it to other and then you are bombarded with calls n msgs, not a real lender. Never wast your time sending docs to them. Never. My friend’s personal experience
14 september 2026
Review zonder uitnodiging
I requested a payoff amount no respones
14 augustus 2026
Antwoord van Cardiff, Inc.
Hi Joel, Gabe from our team should be in touch, if he hasn't reached out already, to get this sorted for you. If anything is still outstanding, please message us on here and we'll follow up right away. We want to make sure you're taken care of.
False hopes and promises
I was brought in by a broker with Cardiff who promised a higher approval limit based on my banking and financial records and when I made it to the underwriting call is was reduced to less than 25% of what I was approved for. Then, the loan came from Byzfunder and not Cardiff (the broker told me they were a direct lender). I was manipulated into taking on a predatory loan and I’m not alone. I am greatly disappointed in how they operate and have already begun encouraging others to look elsewhere. Their actual rates are not what they advertise and only serve to draw people in. If you want better rates, there are shady loan sharks in Vegas who are happy to help.
I am unable to reply to any review comment here but have made multiple attempts to contact Cardiff by phone and email to discuss my experience. All of these attempts have gone unanswered which further substantiates my experience of “fund and run” predatory lending.
5 juli 2026
Antwoord van Cardiff, Inc.
Hi Jason, we appreciate you sharing this, and we want to make sure you feel heard.
Cardiff is a direct lender. In some cases, and with a client's approval, we'll work with a trusted funding partner when a client's specific needs call for it.
On the funding amount, a number of factors come together during underwriting, and the final offer can look different from an initial estimate once everything is reviewed in full. As part of our process, the terms are presented in full so that everything is clear before moving forward.
We know it can be frustrating when the outcome isn't what you were expecting, and we'd genuinely like to go over your experience and the details of your file with you. Please message us on here or reach out to your rep directly and we'll be happy to take a closer look.
They only take advantage of of you not…
They only take advantage of of you not helping when you need it
15 augustus 2026
Antwoord van Cardiff, Inc.
Hi Isnel, we hear you, and we appreciate you sharing this. What we're able to offer at any given time comes down to a number of factors, including a business's existing obligations, and it's never our intention to leave anyone feeling unsupported. We'd like to understand your situation better and see how we can help. Please message us on here or reach out to your rep directly and we'll take a closer look.
They were very professional and…
They were very professional and transparent about the whole process.
15 juni 2026
Antwoord van Cardiff, Inc.
Thank you for the kind words! Being professional and transparent is exactly what we aim for, so it means a lot to hear it came through. We appreciate you taking the time to share this, and we're always here if there's anything we can do for you down the road.
your agent was misleading....
1 juli 2026
Antwoord van Cardiff, Inc.
Hi Chris, we appreciate you sharing this, and we'd genuinely like to figure out what went wrong here. If something you were told didn't line up with your experience, we want to get to the bottom of it. Please message us directly here on Trustpilot, or email us at team@cardiff.co, and someone will follow up with you directly.
I do not like that I cant get a rate…
I do not like that I cant get a rate decrease without jumping through hoops.
13 augustus 2026
Antwoord van Cardiff, Inc.
Hi Daniel, we hear you. Rates and terms are specifically tailored to each business's needs, so the best way to see what's possible in your situation is to contact your rep directly by email or on their direct line. They'll be happy to go over your options with you.
I asked 7 different times for a pay off…
I asked 7 different times for a pay off from my rep, and never heard anything back. It almost like they are avoiding me so I don’t pay off early
1 juli 2026
Antwoord van Cardiff, Inc.
Hi Mark, we want to figure out what happened here and make sure you're taken care of. We've spoken with our team, and someone has reached out to get this sorted. If anything is still outstanding, please message us on here or contact your rep directly and we'll follow up right away.
Antwoord van Cardiff, Inc.
Hi Donald, we're sorry to hear this, and we take a concern like this seriously. We strive to ensure terms are clear and that there's no room for confusion on either side. If something didn't line up with what you expected, we'd genuinely like to understand what happened. Please message us on here or reach out to your dedicated rep directly so we can look into it.
Very fast approval process
Very fast approval process, and received the funds the next day!
1 juni 2026
Antwoord van Cardiff, Inc.
Thank you for the great feedback! Getting funds in your hands quickly is exactly what we aim for, so it's great to hear the process moved fast for you. We appreciate you taking the time to share this, and we're here whenever you need us.
Thank.you.for
Thank.you.for
Trusting iny business. Initially I was looking to put things in motion to support and elevate the business. Turns out it worked.
I really needed a partner to make that happen and thanks to Cardiff, bravo!
Thank you, Dave Walker
2 februari 2026
Antwoord van Cardiff, Inc.
Thank you, Dave, this made our day! Standing alongside the businesses we work with is what we care about most, so hearing that we helped set things in motion for you means a lot. As you keep building, we're right here whenever you need us!
MCA loans disguised as business loans
13 augustus 2026
Antwoord van Cardiff, Inc.
Hi Humphrey, we appreciate you sharing this, and we'd genuinely like to understand what went wrong here. We offer a range of different products, and which one fits comes down to a business's qualifications and needs, so we always want to make sure the funding lines up with what you're looking for. If something didn't sit right, we'd like to get to the bottom of it. Please message us on here or reach out to your rep directly and we'll take a closer look.
Antwoord van Cardiff, Inc.
Hi Chanel. Rates and terms vary from business to business and come down to a number of factors, and we're always upfront about the numbers before anything moves forward. If you'd like to go over your rate or talk through the options available to you, please message us on here or reach out to your rep directly and we'll be happy to walk through it with you.
Beyond Satisfied
Easy to work with and delivered on everything that was discussed. Straight forward company to do business with!!
13 augustus 2026
Antwoord van Cardiff, Inc.
Thank you, Paul, we love hearing this! Keeping things straightforward and following through on what we discuss is how we like to do business, so it's great to know that came through for you. We appreciate you taking the time to share it, and we're here whenever you're ready for what's next.
Antwoord van Cardiff, Inc.
Thank you, Santi! Quick, responsive service is something we take pride in. We appreciate you sharing this, and we're here anytime you need us.
Antwoord van Cardiff, Inc.
Thanks so much, Stephanie! We definitely believe a smooth, hassle-free experience is what every business owner deserves. We're grateful for the feedback, and wish you and your business continued success ahead!
They're the best
The greatest people to work with very nice people , they understand would not go anywhere else
23 juli 2026
Antwoord van Cardiff, Inc.
Simon, this truly means the world to us! Reviews like yours are a real bright spot for our whole team and remind us why we do what we do. It's been a pleasure, and we look forward to what's next.
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