Cardinal Business Financing, Inc. is a primary funder in the building and construction industry. We are a boutique lender using our own access to capital as well as those of others. That allows us to bring you the most cost effective financing options for your company. Without all of the layers of management, we can focus on your particular needs, quickly, efficiently and with the best rates. That is The Cardinal Edge®.
At Cardinal Business Financing, Inc., we take great pride in using our deep industry knowledge and analytical expertise to find financing for builders, contractors, architects, investors and many others across the spectrum of credit situations.
Application Only Financing up to $200,000 with NO Tax Returns and No Financials
Financing up to $10 million
Same Day Approval (Generally 4 to 24 hours)
Flexible Payment Plans (seasonal, skip, touch and 90 days deferred)
New and Used Equipment
Damaged Credit is OK
Start-ups are OK
As a small business ourselves, we understand the importance of financing for a variety of needs: expansion, equipment acquisition, unanticipated tax bills, seasonal inventory or payroll requirements. We also work with a variety of business types so we have experience with your unique situation: startups, early-stage companies, established companies looking to expand or companies with less-than-stellar credit situations.
We know that at the end of the day, cash flow is the critical issue for small businesses. We’ve set our business processes up to maximize our customers ability to positively impact cash flow; we place a priority on efficiency of application and speed to decision so you obtain the working capital you need quickly.
Please contact us today for a free, no-obligation analysis of your financing needs. A member of our professional staff will contact you to discuss your business’ short and long-term financial needs.
We provide financing for new and used equipment. We specialize in construction equipment, cranes, yellow iron, titled vehicles, turf maintenance equipment (landscapers & golf courses) and restaurant equipment, and FF&E for the hospitality/hotel industry.
We offer capitalized leases, Fair Market Value (FMV) leases, Equipment Finance Agreements (EFA/$1buyout) and 10% PUT (payment upon termination) in addition to conventional loans.
Our leases can include flexible terms such as seasonal payments, skip payments, touch payments and deferred payments up to 90 days.
Cardinal provides working capital loans with terms ranging from 3 months to 10 years. We are affiliated with over 75 different lenders and underwriters in order to find the right lending product for your company. We also use our own access to capital to provide funding. Cardinal accommodates all credit types.
Every business at one time or another runs into a cash flow crunch. Cardinal will find the right product for your cash flow needs and help you stay off of the cash flow roller coaster.
Cardinal provides equipment financing for contractors, landscapers & golf courses with flexible payment schedules for these seasonal industries. We are able to bundle a variety of equipment types in order to streamline your payment processes into one finance loan or lease. We accept a wide variety of credit types and situations. Start ups are welcome.
The Cardinal provides equipment financing with an application only and 3 to 6 months of bank statements. We are affiliated with over 100 different lenders and underwriters in order to find the right lending product for your company. We also use our own access to capital to provide funding. Cardinal accommodates all credit types, including start ups.
We provide commercial real estate loans with conventional programs as well as SBA loans. We only work with preferred lenders that provide loans for commercial buildings, multi-family and single family properties, refinances and cash out programs. We also offer fix n flip programs that are short term and interest only.