Cardinal Business Financing

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25 Little Fox Lane Suite 200, Southbury, CT, 06488


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About Us

Cardinal Business Financing helps Small Businesses obtain Financing Solutions custom tailored to meet their unique needs.


Unlike most Commercial Real Estate Financing Companies, we have a very unique perspective in that our founder, Dan Casanta, fully understands the needs of brokers in this space. His knowledge comes from years of helping brokers to find financing for their clients - both buyers and sellers - and from the almost five years he spent himself as a Commercial Real Estate broker. Dan understands your unique needs and concerns and is more than ready to work with you to help you turn opportunities into transactions.


What’s more, unlike many more typical finance companies, we view customers as much more than just another transaction; we know full well that behind every loan or lease is a singular story of vision, hard work and livelihood. So we take the time to know you, your business, your customer and their unique needs. As a result, we don’t just get you financing - we get financing that is right for your client.


As a small business ourselves, we know the importance of access to affordable capital and the hurdles your clients typically face in trying to secure it. To us, that means creating a process to obtain Commercial Real Estate financing solutions that is streamlined and efficient.


While we serve a variety of customer types, we are at our very best when we find solutions for clients who’ve had difficulty with approvals or affordability. We have the analytical abilities, industry experience and partner network necessary to help you secure funds for your clients.


Further, we can help with Small Balance Programs, which allow for financing for amounts as low as $75,000. Visit our Commercial Real Estate financing page to learn more about how we can help you.



If you seek a financing partner capable of sourcing a diverse range of commercial real estate financing options, please give us a call. Our network of private commercial lenders and structured finance companies enable us to satisfy the needs of your business both now and in the future.


We feature a variety of commercial real estate loans program to accommodate a wide swath of borrowers’ needs, with loan limits ranging from $75,000 to $10 million plus. What’s more, we specialize in helping to close loans in the $200,000 to $5,000,000 range.


We look beyond the algorithms and understand that every loan has a unique story and we’re ready to guide you (or your borrower) into a program that fits their needs. As a result, while other lenders are turning down most commercial transactions today, our comprehensive approach enables us to offer loans for more borrowers and on more transaction types.


Here is a brief overview of some of our loan programs:


Small Balance Real Estate Program

At our core, we believe property owners and investors are underserved by narrow and inflexible banking guidelines. Our Small Balance Real Estate Program is a middle ground for many investors unable to qualify under standard guidelines which, generally, are more strict. We understand every loan has a unique story; we are prepared to guide you to a program that fits your needs. We deal with Commercial properties such as Office, Retail, Warehouses, Mixed Use, Multi-Family 5+, Self Storage and more.  Investment properties such as Multi-Family 2-4 units, Condos and SFR.



Bank Program

We believe that quality credit deserves quality rates.

- loan amounts from $500,000 to $5,000,000

- Minimum credit score generally 700 (global cash flow generally required)

- Bank quality building

- Liquidity

- Net worth

- Global DSCR


Core Program

Our core program addresses loans that do not fall within traditional banking guidelines.

- Loan amounts from $200,000 to $5,000,000

- Minimum credit score generally 650 (>500 case-by-case)


Streamline Program

- Stated Income Loans

- No Paystubs, tax returns or even verified income or employment

- Loan amounts from $75,000 to $3,000,000

- No tax returns required for Borrower or Guarantor(s)

- Same as Core Program but document lite


1-4 Unit Program Highlights

We’ve stepped outside the box and created our single property program.

-Loan amounts from $75,000 to $2,000,000

-1, 2, 3 or 4 unit properties

- Rates as low as 6.75%

- Loan Amount from $75k to $2MM

- Cash out up to 70% LTV

- Step-down Payment - 3, 2, 1

- 650 Minimum credit score

- No tax returns

- No global DSCR