The old rule of borrowing was simple: wait for the best rate. The new rule is different: secure the asset, win the contract, and move fast. In today’s economy, opportunity doesn’t wait for underwriting cycles. Labor is scarce. Inventory moves. Contracts expire. And waiting weeks—or months—for “cheap money” often costs far more than a slightly higher rate ever would. That’s why we built Cardiff differently. Our technology stack is designed around real-time reality, not backward-looking paperwork.
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