Cardiff, Inc. (Cardiff), a recognized leader and pioneering force in the technology-enabled financing sector for small and mid-sized businesses (SMBs), today proudly announced the successful completion of a significant financial transaction: the closing of a senior revolving credit facility with a prominent, highly-regarded U.S. based bank. This landmark institutional financing represents a pivotal moment in the Company’s trajectory, providing substantial capital that will be strategically deployed to dramatically increase Cardiff’s funding capabilities and drive accelerated growth across its balance sheet.
Meeting the Surging Demand for Flexible Capital
The modern economic landscape is characterized by dynamic shifts and an escalating need for highly flexible, responsive financing solutions, particularly for the engine of the American economy—small and mid-sized businesses. Traditional lending channels often struggle to match the speed, simplicity, and agility that contemporary entrepreneurs require. In this environment, Cardiff has consistently distinguished itself as a leading innovator, utilizing its robust tech platform to bridge this gap and meet the growing capital demands of SMBs nationwide.
The successful closure of this senior revolving credit facility is a direct affirmation of Cardiff’s proven business model, its sophisticated technology infrastructure, and its strong track record of asset performance within the competitive alternative financing space. This partnership with a major institutional lender provides the financial leverage necessary for Cardiff to scale its operations to meet this surging market demand.
A Milestone for America’s Favorite Small Business Lender
Dean Lyulkin, CEO of Cardiff, underscored the facility’s importance, characterizing it as a major organizational milestone. “The close of this facility is an important milestone for Cardiff, America’s favorite small business lender,” Lyulkin stated. “We’ve meticulously built a solid foundation over the past several years, driven by our powerful direct origination engine, which allows us to efficiently identify, underwrite, and fund high-quality SMB assets. Coupled with our strong track record of consistent asset performance, this partnership with a leading financial institution will now allow Cardiff to scale funding volume and grow the company significantly more efficiently. It transitions us into a new phase of institutionalized growth and operational leverage.”
This collaboration is not merely about securing funds; it is about forging a strategic relationship that validates Cardiff’s market position and provides the foundational support needed for sustainable, long-term expansion. The enhanced funding capacity will enable Cardiff to maintain its competitive edge by ensuring speed and certainty of execution for its small business clients.
📈 Advancing the Mission: Empowering Entrepreneurs Nationwide
The newly secured credit facility fundamentally strengthens Cardiff’s capital base, which is crucial for advancing its core mission: to empower small business owners across the country with accessible, fast, and flexible financing.
The institutional financing unlocks several key strategic opportunities for the Company:
- Enhanced Lending Capacity: It provides the immediate capital to significantly expand the total volume of financing Cardiff can offer, enabling it to serve a much broader segment of the SMB market.
- Introduction of New Financial Products: The stability and scale offered by the facility will allow Cardiff to develop and introduce new, innovative financial products tailored to the evolving needs of entrepreneurs, diversifying its risk and revenue streams.
- Streamlined Solutions: The facility supports the continued optimization of Cardiff’s tech platform, allowing the company to further streamline its offerings, including both small business loans and revenue-based financing. This commitment to efficiency ensures that entrepreneurs who need fast, flexible solutions to spur their growth can receive capital quicker and with greater ease than ever before.
Cardiff’s technological approach minimizes the friction typically associated with obtaining business financing. By leveraging data and advanced algorithms, the Company is able to provide quick, intelligent underwriting and funding decisions, a critical advantage for time-sensitive small business operations looking to seize immediate growth opportunities, such as stocking inventory, launching a marketing campaign, or purchasing essential equipment.
A Testament to Team and Platform Strength
William Stern, Founder of Cardiff, highlighted the deal as a clear endorsement of the Company’s dedicated team and robust platform. “This transaction strategically positions us to not only deepen our relationships with our existing small business customers but also to significantly expand our overall platform and reach,” said Stern. “It’s a powerful testament to the incredible and dedicated team we’ve built—a team that is relentless in its focus on customer success and technological innovation.”
Stern emphasized the forward-looking impact of the financing. “With this increased capacity, Cardiff is now positioned to truly accelerate our impact. We look forward to supporting tens of thousands more Main Street entrepreneurs, helping them turn their ambitious visions into tangible realities and further contributing to the vitality of local economies across the U.S.”
The success of a technology-enabled lender is ultimately measured by its ability to generate sustainable, high-quality assets. The institutional backing from a leading U.S. bank underscores the financial community’s confidence in Cardiff’s underwriting prudence, credit management practices, and technological superiority in asset origination. This facility is a vote of confidence in Cardiff’s execution abilities and its long-term strategy for market penetration and leadership.
🤝 Strategic Advisory and Subordinated Debt Arrangement
The successful execution of this complex financial transaction was facilitated by expert guidance. Brean Capital, LLC played a crucial role, serving as the Company’s Exclusive Financial Advisor and Sole Placement Agent in connection with the senior revolving credit facility.
Complementing the senior financing, a strategic component of the overall funding arrangement involved securing additional capital structure stability. Jonathan Schwartz provided expert advisory services to Cardiff on the successful arrangement of subordinated debt. This complementary layer of capital is vital, as it enhances the Company’s total funding capacity, further fortifying its balance sheet, and optimizing its capital structure for efficient and aggressive growth in lending volume. The combination of senior and subordinated debt ensures that Cardiff has the necessary financial resilience and depth to navigate market fluctuations while maintaining its aggressive growth targets.
The collective impact of this institutional credit facility and the corresponding subordinated debt arrangement is transformative for Cardiff. It substantially increases the firm’s lending firepower, reinforces its market standing, and solidifies its ability to be the preferred capital provider for millions of small and mid-sized businesses actively seeking flexible, tech-driven financing solutions in the digital age.
Cardiff continues to be committed to driving technological innovation in the small business finance space, ensuring that capital access remains frictionless, fast, and fair for the dedicated entrepreneurs who form the backbone of the American economy. The Company is now exceptionally well-capitalized to enter its next era of scaled growth.
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