No Hard Credit Pull
SSL Encrypted
BBB A+ Rated
Approvals in Minutes
$12B+ Funded
AI-POWERED DECISIONS IN MINUTES

Fast Capital
Built for Small
Business.

Cardiff has funded over $12 billion to small businesses across America. Lines of credit up to $500,000 with approvals that don't touch your credit score.

$12B+
Total Funded
50K+
Businesses Served
< 24 hrs
Average Funding Time
Since 2006
Nearly 20 Years
How It Works
Apply in 3 minutes
Fill out our simple form — no hard credit pull required.
AI reviews instantly
Our AI cross-references your business data across Plaid, Snowflake, and Salesforce in real time.
Funds in your account
Approved businesses can access capital within 24 hours.

"We had capital in our account within 18 hours of applying. The AI review process was seamless."

Maria R. · Owner, Mesa Verde Catering Co.
Apply for a Line of Credit
No hard credit pull · Decision in minutes
No Hard Pull
SSL Secured
Up to $500K

By submitting you agree to our Terms. SSL encrypted. No obligation.

BBB A+
Accredited
FDIC
Member
Equal
Opportunity Lender
INSTANT ESTIMATE

See What You Could Qualify For

Adjust the inputs below to get an instant estimate based on Cardiff's real qualification criteria.

$75K/mo
$20K/mo minBased on last 3 months average$500K/mo
You May Qualify For
Based on your inputs — actual offer may vary
Estimated Credit Line
$54,000
up to $81,000
Rate Range
10.00% — 18%
APR
Draw Example
$27,000
50% of line
Monthly Interest on $27,000 Draw
$225 — $405
Pay only for what you use · No prepayment penalties
No hard credit pull · Decision in minutes

This estimate is based on Cardiff's published qualification criteria and industry-standard underwriting. Actual offer amounts and rates depend on full underwriting review, Plaid bank verification, and other factors. Not a guaranteed offer.

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Cardiff Business Lending
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Cardiff Business Lending is a licensed lender. California Finance Lender License #60DBO-129171. This is a demo application powered by AI. Not actual financial services.