Business loans and finance in Cardiff.
Funding for Cardiff businesses and SMEs across South Wales.
How we look at Cardiff businesses
Cardiff's trade lifts sharply around stadium events and weekends, which shows clearly in card settlement for city centre hospitality and retail. Businesses in the Bay, the arcades and around Cathays see very different weekly patterns to each other.
South Wales beyond the capital carries construction, manufacturing and public sector supply work, where funding is more often tied to contracts, vehicles and equipment than to daily takings.
Assessment considers trading performance, purpose and existing commitments. Timing depends on the file, verification and written terms.
Areas covered
Postcode areas
Sectors funded here
Funding options for Cardiff businesses
An advance repaid as an agreed share of future card receipts.
Learn moreRepayments calibrated to top line cash receipts rather than a fixed debit.
Learn moreFixed repayments over a set term, typically 3 to 24 months.
Learn moreShort term working capital without security over property.
Learn moreRelease cash tied up in unpaid customer invoices.
Learn moreSpread the cost of equipment, machinery or vehicles.
Learn moreBusiness funding in Cardiff, common questions
How much can a Cardiff business borrow?+
Facilities run from £5,000 to £5,000,000, subject to status and underwriting. The amount offered to a Cardiff business depends on trading history, receipts, the purpose of the funding and existing commitments rather than a fixed local limit.
Do I need to visit an office in Cardiff?+
No. The enquiry, document sharing and signing are all completed online, so there is nothing to attend in person. That matters for owner operators who cannot leave a site during trading hours.
Is funding available across Wales as well as Cardiff?+
Yes. Businesses registered and trading anywhere in Wales can enquire, including rural operators in mid and north Wales. The process is the same and is completed online, so distance from a city centre makes no difference to how a file is reviewed.
What information do Cardiff businesses need to provide?+
Typically business details, recent bank statements or Open Banking access, card settlement data where the business takes card payments, and details of any existing finance. Further information may be requested depending on the facility size and purpose.
Can a Cardiff business apply after being declined by its bank?+
Yes. A bank decline does not prevent an enquiry. Assessment considers current trading performance, the purpose of the funding and existing commitments, so businesses that do not fit standard bank criteria are still reviewed on their own merits.
Nearby and related areas
Cardiff sits within our Wales coverage. Browse other places we fund.
When the bank says no, we take a closer look.
A short enquiry, then a real review of how your business trades.