Cardiff’s CEO, William Stern, is innovating the concept of merchant cash advances (MCAs), also known as Revenue Based Financing.
SAN DIEGO, June 21, 2025 — While traditional banks are still the benchmark in commercial lending, numerous small businesses encounter hurdles due to stringent requirements, lengthy approval processes, and limited adaptability. Cardiff, under the leadership of William Stern, is pioneering a new strategy to address these issues.
By updating the MCA model, Cardiff is delivering working capital solutions customized for the changing demands of small businesses in America. Cardiff’s offering is designed to be quick, versatile, and easily accessible, providing an alternative to conventional lending methods that frequently disadvantage growing businesses.
Introducing Cardiff’s working capital solutions, which began lending in 2004. Going beyond just MCAs, Cardiff provides business lines of credit and a simplified term loan product that allows businesses to access funds more easily and with faster processing times than traditional lenders. The concept of working capital arose from the need to support the millions of businesses whose financial needs are not being met by banks.
MCAs, also referred to as Revenue Based Financing, became popular in the early 2000s as a financing option for businesses, but they soon gained a reputation for being costly and unclear. Business owners were left uninformed because there were no fixed interest rates or payment schedules. Cardiff’s working capital term loans represent the advancement of these agreements. Borrowers get a set amount of money upfront and pay it back in consistent daily, weekly, or monthly installments over a defined timeframe, typically from three to 24 months.
The change from “merchant cash advance” to “working capital loan” is more than just a marketing tactic; it’s a fundamental change in financial operations. Cardiff enables business owners to plan confidently by establishing fixed terms and clear repayment schedules, preventing the cash flow issues and unpredictability that can affect MCA users.
One of the key aspects of Cardiff’s business lending strategy is the speed at which funds are provided. Cardiff can approve applications and release funds in 24 to 48 hours, while banks may take weeks or even months to process a business loan. For small and growing businesses, this speed can determine whether they survive a slow period or are forced to close.
“Our technology and underwriting process are built for efficiency,” Stern explained. “We use real-time data to assess business health, rather than outdated credit models that don’t reflect the agility or resilience of small business owners.”
The application process is equally simple. It is completed online, requires minimal paperwork and straightforward requirements, and offers human assistance throughout.
Cardiff’s working capital term loan is especially helpful for businesses in industries with cyclical or seasonally fluctuating income, as not every successful business has a consistent cash flow. Restaurants handling payroll during a slow month, retail stores stocking up for the holiday season, or contractors purchasing materials for a new project are ideal candidates for Cardiff’s working capital.
The company does not limit clients to specific categories. By underwriting businesses rather than credit scores, it provides financing opportunities for hardworking business owners who have been ignored by traditional systems. This inclusive strategy has enabled Cardiff to support thousands of businesses across the country.
“We’re not just dropping money into accounts,” Stern emphasized. “We’re helping real people grow their businesses, support their families, expand their workforce, and build lasting legacies. That’s not something we take lightly.”
For small businesses, obtaining a loan can still be challenging. However, under the forward-thinking leadership of William Stern, Cardiff is demonstrating that there is a better way. By transforming the MCA into a versatile, transparent working capital product, the company has evolved into more than just a lender, becoming a strategic partner for the innovators, executors, and builders who drive the American economy.
Cardiff is an alternative lender providing quick and easy financing solutions to businesses nationwide. Cardiff is changing the way entrepreneurs scale their businesses by offering same-day funding, personalized service, and a dedication to business growth.
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SOURCE Cardiff
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