Cardiff, Inc.Reviews of cardiff.co

2.525 reviews
Investments & Wealth
330 S Cedros Ave #202, Solana Beach, California

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Cardiff, Inc.

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About Cardiff

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.

Cardiff, Inc. (cardiff.co) has 25 customer reviews on Five Star Index, with an average rating of 2.5 out of 5.

Also known as: Cardiff, cardiff.co
Website: cardiff.co
Category: Investments & Wealth
Location: Solana Beach, California
Listed on Five Star Index: 2026

About these reviews

Replies: The company replied to 84% of reviews.
Latest: Most recent review: October 2026.
Edits: Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score: This company cannot pay to remove reviews or change its score.

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Jason

Aug 16, 2026

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.

Response from Cardiff, Inc.Aug 17, 2026

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.

About Cardiff

Cardiff, Inc. (cardiff.co) has 25 customer reviews on Five Star Index, with an average rating of 2.5 out of 5.

Also known as: Cardiff, cardiff.co
Website: cardiff.co
Category: Investments & Wealth
Location: Solana Beach, California
Listed on Five Star Index: 2026

Cardiff reviews

Showing 14 reviews with 1 star · Clear filters

Dilshod K.
Oct 13, 2026
Hello everyone
Hello everyone, I was gonna leave bad comments but after I saw comments, yeahh Cardiff sucks.
Chris M.
Oct 9, 2026
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.
Mystic F.
Sep 16, 2026
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
Joel
Aug 18, 2026
I requested a payoff amount no respones
I requested a payoff amount no respones
Response from Cardiff, Inc.Aug 18, 2026
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.
Jason
Aug 16, 2026
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.
Response from Cardiff, Inc.Aug 17, 2026
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.
Isnel
Aug 16, 2026
They only take advantage of of you not…
They only take advantage of of you not helping when you need it
Response from Cardiff, Inc.Aug 17, 2026
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.
Chris R.
Aug 15, 2026
your agent was misleading....
your agent was misleading....
Response from Cardiff, Inc.Aug 18, 2026
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 [email protected], and someone will follow up with you directly.
Mark
Aug 15, 2026
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
Response from Cardiff, Inc.Aug 17, 2026
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.

Cardiff, Inc.Reviews of cardiff.co

About Cardiff

About these reviews

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Cardiff, Inc.Reviews of cardiff.co

Cardiff reviews

Hello everyone

84% effective interest rate?!?!

They are one of the top financial…

I requested a payoff amount no respones

False hopes and promises

They only take advantage of of you not…

your agent was misleading....

I asked 7 different times for a pay off…

About Cardiff

About these reviews

More in Investments & Wealth, California

Patriot Gold Group

HomeLife Mortgage

Allegiance Gold

First Choice Consolidation Group

Cardiff reviews

Hello everyone

84% effective interest rate?!?!

They are one of the top financial…

I requested a payoff amount no respones

False hopes and promises

They only take advantage of of you not…

your agent was misleading....

I asked 7 different times for a pay off…