Cardiff, Inc. Announces Closing of Senior Credit Facility to Expand Small Business Lending Nationwide

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SAN DIEGO, Calif.--(BUSINESS WIRE)--Nov 19, 2025--

Cardiff, Inc. (Cardiff), a leading tech-enabled provider of financing for small and mid-sized businesses, today announced the successful closing of a senior revolving credit facility with a prominent U.S. based bank. Proceeds from the institutional financing will be used to increase the Company’s funding capabilities and fuel balance-sheet growth.

As demand for flexible financing options rises, Cardiff continues to play a leading role in meeting that need.

“The close of this facility is an important milestone for Cardiff, America's favorite small business lender," Dean Lyulkin, CEO of Cardiff, stated. "We've built a solid foundation driven by our powerful direct origination engine and a strong track record of asset performance. This partnership with a leading financial institution will allow Cardiff to scale funding volume and grow the company significantly more efficiently."

The newly secured credit facility underscores Cardiff's commitment to strengthening its capital base while advancing its mission to empower small business owners nationwide. The institutional financing allows the Company to further enhance its lending capacity, introduce new financial products, and streamline small business loans and revenue based financing for entrepreneurs who need fast, flexible solutions to grow.

"This transaction positions us to deepen our relationships with small business customers and expand our platform," said William Stern, Founder of Cardiff. "It's a testament to the incredible team we've built. Cardiff looks forward to supporting tens of thousands more Main Street entrepreneurs."

Brean Capital, LLC served as the Company’s Exclusive Financial Advisor and Sole Placement Agent in connection with the transaction. As part of the overall financing, Jonathan Schwartz advised Cardiff on the successful arrangement of subordinated debt to complement the facility and enhance funding capacity.

About Cardiff, Inc.

Founded in 2004 and based in San Diego, CA, Cardiff offers fast, flexible financing solutions tailored to the needs of growing small businesses. It blends real-time financial analysis with personalized service to deliver a reliable, transparent experience for business owners across the U.S. Cardiff's suite of financing products help entrepreneurs manage cash flow, invest in growth, and keep operations moving forward. Its suite of products includes small business working capital loans, revenue based financing, equipment financing, and business lines of credit. Cardiff can provide approvals in minutes and, in most cases, funding the same day. To learn more about Cardiff and how they help small businesses nationwide access the capital they need to bridge financial gaps and invest in growth, visit: https://Cardiff.co.

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CONTACT: Dean Lyulkin

CEO

[email protected]

KEYWORD: CALIFORNIA UNITED STATES NORTH AMERICA

INDUSTRY KEYWORD: SMALL BUSINESS BANKING PROFESSIONAL SERVICES FINANCE

SOURCE: Cardiff, Inc.

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PUB: 11/19/2025 05:22 PM/DISC: 11/19/2025 05:22 PM

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