Company overview
HQ · San Diego, CA
Merchant cash advanceTerm loanLine of creditEquipmentSBA loansInvoice factoring
Bank of Cardiff, doing business as Cardiff, is a San Diego‑based commercial finance lender offering merchant cash advances, business lines of credit, equipment financing, and working‑capital loans from $5,000 to $500,000. Founded in 2004, it has funded over $12 billion nationwide across 700+ industries and is BBB‑accredited with an A+ rating.
Company focus
- Headquarters
- San Diego, CA
- Founded
- 2004
- Employees
- 51-200
- Specialties
- fast funding (approvals in minutes, same‑day funding), technology‑enabled underwriting (Plaid integration), broad product mix (MCA, term loans, equipment, SBA), dealer/vendor partner programs
Funding & terms
- Funding up to
- $250,000
Third-party reputation
- Reported research
- BBB A+ accreditation; Yelp 2.7/5 rating (24 reviews); Trustpilot 3.2/5 rating (1 review); no recent regulatory actions besides a 2009 DFPI enforcement entry.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.