Business Loans in Cardiff
CoreFi arranges business loans for Cardiff limited companies, both unsecured and secured, along with working capital lines to fund growth, hiring and cash flow. We are a broker, not a lender, and search a whole-of-market panel to match your business and sector to the right funder. The lender decides whether to lend and on what terms, and all figures are illustrative only.
A business loan is a lump sum a company borrows and repays over a set term, either unsecured against the strength of the trading business or secured on an asset such as property, and it funds anything from expansion and hiring to stock, fit-out and bridging a cash flow gap. Cardiff's SME base spans professional and financial services around Cardiff Bay and Central Square, media, creative and tech firms across Roath and the bay, hospitality near the Principality Stadium, and trade, wholesale and logistics out towards Splott and the port.
CoreFi arranges business loans as a broker; we do not lend. Lender appetite, pricing and whether security is needed differ a great deal by sector, trading history and purpose, and applying blind to one bank rarely finds the best fit. We look across a whole-of-market panel to find funders likely to back your Cardiff business on sensible terms, then package the case so it presents well. The lender always makes the final decision on whether to lend and at what price, and any figures we mention are indicative and illustrative only.
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Tell us about your Cardiff business
Share what your limited company does, where it trades and what the loan is for, whether that is hiring in a Central Square practice, stock for a bay-side retailer or a growth push for a Roath studio. We work out which structure fits.
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We match you to lenders
We search a whole-of-market panel for funders whose appetite fits your sector, size and purpose, comparing unsecured and secured options, then package the case. Any rate or amount is illustrative only until a lender formally offers.
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You review and proceed
We bring back realistic options and explain the trade-offs in plain terms. The lender assesses affordability, decides whether to lend and sets the final terms, then we support you through to drawdown.
Working capital for Cardiff's professional and creative firms
The professional and financial services firms clustered around Cardiff Bay and Central Square, and the media, creative and tech businesses spread through Roath and the bay near BBC Cymru Wales, often need funding that has nothing to do with heavy assets. It might be smoothing partner drawings, funding a lateral hire ahead of the fees it will earn, or bridging the gap between winning a project and being paid for it. Unsecured business loans and flexible working capital lines suit these firms because the borrowing sits against the strength and predictability of the trade rather than a piece of kit. We help Cardiff service and creative businesses present their accounts and pipeline clearly and match the case to funders on a whole-of-market panel. The lender assesses affordability and sets the terms.
Growth and stock funding for retail, hospitality and wholesale
Cardiff's consumer and trading economy is broad, from the retail and hospitality around the city centre, the bay and the sports and event trade near the Principality Stadium, to the wholesalers and distributors serving the wider region from the industrial areas near Splott, Tremorfa and the port. These businesses often need a lump sum to fund a fit-out, take on more stock ahead of a busy season, open a second site or push through a growth phase before the revenue catches up. A business loan spreads that cost over a term the cash flow can carry. We match the purpose and the sector to funders on a whole-of-market panel who understand seasonal and stock-heavy trading, and the lender decides whether to lend and at what price.
Unsecured or secured, and choosing the right structure
Not every Cardiff business needs, or wants, to put up security. An unsecured business loan is quicker to arrange and keeps assets free, but is priced against the strength of the trade and usually available in more modest amounts. A secured loan, often against commercial or residential property, can unlock larger sums or keener pricing where the business has assets to pledge, which can suit an established firm out at the industrial estates or a company with property on its balance sheet. There are also short-term and revolving working capital options for firms whose need is a rolling gap rather than a one-off. We talk through what actually fits how your Cardiff business trades, then match it to funders whose criteria suit. The decision to lend, and the terms, rest with the lender.
Frequently asked questions
What is the difference between a secured and unsecured business loan?
An unsecured loan is priced against the strength of your trading business with no asset pledged, and is usually quicker but more modest. A secured loan is backed by an asset such as property and can unlock larger sums or keener pricing. We match both to Cardiff funders on a whole-of-market panel, and the lender decides.
What can a Cardiff business use a loan for?
Common uses are hiring, stock, fit-out, opening a new site, funding growth ahead of revenue and bridging cash flow gaps. The right structure depends on your sector and purpose, from professional services to hospitality and wholesale. We arrange it across a whole-of-market panel and the lender sets the terms.
Are you FCA regulated?
The business loans we arrange for limited companies are unregulated business lending, so they do not fall under FCA regulation. We are honest about this and only work with limited-company borrowers on that basis. Any figures we discuss are indicative until a lender formally offers.
Does CoreFi lend the money itself?
No. CoreFi is a broker, not a lender. We arrange business loans by matching your Cardiff limited company to funders across a whole-of-market panel, and the lender makes the final decision on whether to lend and at what price. All terms we discuss are indicative only.
Get matched with lenders for your Cardiff business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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