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Cardiff aims to make up for the cash flow needs of small business owners. The period is usually 3 to 24 months. Payments can be daily, weekly or monthly, and can be fixed or related to your ebb and flow business income. Similar problems occur for doctors and dentists. You provide services that are usually covered by insurance. But insurance companies need to spend time to pay. While waiting for an insurance company to cut office checks, you may need a working capital loan to keep the lighting on. You may be familiar with how car rental works. Some business owners like this structure because they can choose to purchase or return equipment after the lease expires, while enjoying lower financing costs. Your CPA may not need to list operating leases on the balance sheet, Cardiff may bring many benefits.