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Working Capital

Working capital financing is designed to bridge cash flow needs for small business owners. Terms typically range from 3 to 24 months. Payments may be daily, weekly, or monthly and can be fixed or tied to the ebb and flow of your business revenue.

What does it take to qualify for working capital financing?

Many businesses qualify for working capital lending, as you only need evidence that you have a business and the loan will be paid, to qualify for financing.

At Cardiff, their requirements look like this:

Credit Score Typically, personal credit scores aren’t as important as other commercial credit factors. However, a good rule is that if your FICO score is over 500, you’re in the clear!
Time in Business At least 6 months of time in business.
Revenue $10,000/month or $120,000 in annual sales with a minimum of three deposits/month.
Is US Citizenship required? Having US citizenship isn’t required. Cardiff only requires that the business owner be a legal resident.
Ownership Any owner can execute the contract regardless of their ownership percentage

How to Apply?

To apply for a Cardiff working capital loan, you’ll want to have a few things prepared, including:

  • Your business org doc
  • Most recent tax return
  • 6 months of your most recent bank statements
  • Drivers License
  • Voided Business Check

When you have your paperwork in order, you’ll fill out an application and find out what terms your lender can offer you to keep your cash flowing as your business moves along.


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