Business finance in Cardiff

Finance for Cardiff's professional and financial services core

The stretch from Cardiff Bay up to Central Square and the city centre holds a dense cluster of professional and financial services firms: accountancy practices, law firms, insurance and financial advisers, and back-office operations that moved into the newer office stock around the railway station. These businesses rarely need heavy plant, but they do need working capital to smooth partner drawings, fund lateral hires, fit out new floors, or bridge the gap between billing and payment. We help firms like these look across the market for the right working capital line, professions loan or invoice-based facility, rather than defaulting to whatever their existing bank offers first.

Media, creative and tech businesses in Roath and the Bay

Cardiff has a genuine media and creative base, anchored by BBC Cymru Wales at Central Square and the production, post-production and studio community that spreads through Cardiff Bay and Roath. Alongside that sits a growing tech and fintech scene. These businesses often have unusual finance needs: expensive camera and production kit to buy or refinance, project-based income that arrives in lumps, or a need to fund a hiring push ahead of revenue. We arrange asset finance for equipment, invoice finance to release cash tied up in slow-paying commissioning contracts, and growth funding structured around the reality of project cash flow rather than a steady monthly ledger.

Property and regeneration across the waterfront and city centre

Cardiff's built environment keeps changing, from the long regeneration of Cardiff Bay and the waterfront to city-centre schemes around Central Square, Callaghan Square and the older commercial cores. Developers, investors and trades working on these sites need development finance for ground-up work, bridging to move quickly on a site or an auction lot, and commercial mortgages once a scheme is let or a building is bought to hold. We help Cardiff property businesses test their numbers against a whole-of-market panel so the funding line matches the scheme, whether that is a small residential conversion in Grangetown or a mixed-use block nearer the bay.

One broker, a whole-of-market panel

The value of a broker is not access to a single friendly lender; it is knowing which of many funders is likely to back a specific Cardiff business on sensible terms, and saving the owner from applying blind. We look across a whole-of-market panel, from high-street banks to challenger banks and specialist and independent funders, then handle the packaging and back-and-forth. Because CoreFi arranges finance rather than lending it, we have no reason to push one product; the aim is a facility the business can actually live with, priced and approved by the lender.

Frequently asked questions