Who We Are

Our Company

About Bank of Cardiff

We Are Here For You

We are here to help your industry take rapid advantage of discounts on equipment with a unique ability to finance both titled and non-titled transactions without age restrictions inclusive of services, delivery and other transaction costs.

What We Do

Bank of Cardiff is a financial services leader with unparalleled industry-specific products and expertise. We maintain thousands of relationships with business owners, equipment dealers and manufacturers across the US who value our integrity, creativity and technology. Our product set includes commercial equipment financing and leasing, credit cards, merchant services, and insurance.

Executive Leadership

Our diverse management expertise assures our clients access to capital, market insights, and dedicated points of contact to create sustainable competitive advantage.

Unparalleled Customer Satisfaction

Industry Leading Products

Small Business Friendly

Fast Funding

100% Customer Satisfaction

Innovative financial products

Our Services

Equipment Lease

250K

In 3-5 Business Days
Startups Welcome
Personal or Business Bank Account
All Credit Considered
All Collateral Types Considered
Leverage our Working Capital Loan concurrently

Apply Now

Working Capital Loan

150K

In 2 Business Days
1+ Year(s) Time in Business
Business Bank Account Required
All Credit Considered
9 out of 10 Approved
Renewals for up to 50% More in as Little as 3 Months

Apply Now

Secured Loan

1M

In 5-7 Business Days
Startups Welcome
Personal or Business Bank Account
All Credit Considered
Hard Collateral Preferred
Terms up to
72 Months

Apply Now

In our company, C&H Letterpress, Inc., we were in need to finance a piece of equipment and had a short time to find financing. By working with Ruben we were able to qualify for a competitive lease. Ruben was willing to go the extra mile by coming to our office to get the paperwork done, work with our vendor and distribute the funds in a timely manner. If we need financing in the future for more equipment, with no doubt we will reach Ruben again.

Walter C. Yelp Reviewer

I have been a long time customer of this bank they provided numerous loans to my client, I put my business in their hands and they never failed me.

Pinhas B. Google+ Reviewer

Yuri out of the San Diego office was very helpful in assisting us with a Workers Capital. He worked really hard and fast to get the job done.

Shane D. Business Consumer Alliance Reviewer

We've been working with [our rep] at Bank of Cardiff for many years. We are extremely impressed with his hard work and execution of leases for the restaurant equipment we sell. Other leasing companies don't measure up to the level of service Bank of Cardiff provides.

Josh D. Better Business Bureau Reviewer

Small Business and Large Business

Working Capital Loans

Business Bank Statements

Based on the last six months bank statements, we'll lend you up to 10% of your gross revenue.

Funding in 48 Hours

From application submission to funding, you'll have funds in as little as 2 business days.

Spending Flexibility

Unlike other lenders, your funds are yours to spend as you see fit - payroll, marketing, equipment, tax liens.

Below Market Rates

Unlike our peers, we offer the lowest working capital fixed rates in the industry.

On Your Terms

We match our approvals to your cash flow need - from 3 months to 2 years.

Pay off with Ease

Working capital loan payments via ACH both daily and weekly.

Collateral-based Leases and Loans

Equipment Leasing & Financing

Conservation of Capital

Leverage our low rate equipment loans to fuel your business growth.

Tax Benefits

Your Bank of Cardiff Equipment Lease may carry tax incentives such as the ability to expense payments from pre-tax income.

Improved Balance Sheet Ratios

Leverage a Bank of Cardiff low rate operating lease and avoid booking the asset as a liability on your balance sheet.

Reduced interest rate exposure

Our industry leading low interest rate equipment leasing approvals are fixed for the duration and carry the ability to be refinanced.

No Paperwork

Simply complete our online equipment leasing application, and no financial documents are necessary to fund.

100% Pre-funding

Does your vendor require payment prior to delivery? Bank of Cardiff is happy to prefund all US and international equipment vendors.

Contact Us

Contact Bank of Cardiff

Mailing Address

Bank of Cardiff
P.O. Box 2562
Del Mar, CA 92014-2562
United States

Call Us

Toll-free:
+1 (888) 234-0166
Local/International:
+1 (858) 866-8525

Email Us

General Inquiries:
info@bankofcardiff.com
Leasing/Financing Inquiries:
inquiries@bankofcardiff.com