Cardiff International Inc. Pitch Deck (2017) Breakdown

Cardiff International Inc. (OTC: CDIF) utilizes a conglomerate model to acquire and scale diverse businesses. The January 2017 deck highlights three primary areas of concentration: income-producing real estate, closely held companies seeking exit strategies, and technology-oriented startups. The company demonstrates existing traction through its subsidiary, Repicci’s Italian Ice & Gelato, which claims a $3M revenue run-rate and 48+ units. The deck also details specific real estate holdings in Idaho and a pipeline of five acquisition targets valued between $12M and $51.5M. To fund this growth,…

Key takeaways

• The company operates as a public entity on the OTC market under the ticker CDIF as of January 2017 (Slide 1).
• Cardiff focuses on three distinct sectors: commercial real estate, closely held company acquisitions, and second-stage startups (Slide 4).
• Repicci’s Italian Ice & Gelato is a key subsidiary with a $3M revenue run-rate and 48+ franchise units (Slide 10).
• Real estate assets include 30 acres in Idaho zoned for 60 residential lots and commercial use (Slide 13).
• The acquisition pipeline includes a gourmet supermarket chain with $45M in revenue and $5.2M in earnings (Slide 16).
• Cardiff is targeting a sub-prime motorcycle financing company with $14M in accounts receivable (Slide 16).
• The investment ask is $1M in equity from accredited investors via a convertible debenture (Slide 19).
• The debenture offers a 10% annual interest rate and converts at 70% of the open market price (Slide 19).

Frequently asked questions

What is Cardiff International's primary business model?

Cardiff International operates as a holding company that acquires and manages a diverse portfolio of assets. According to slide 4, they focus on income-producing real estate like shopping centers and mobile home parks, as well as providing an 'Equity Exit Strategy' for owners of closely held companies. They also invest in second-stage, technology-oriented startups to empower their next phase of development.

What are the specific terms of the $1M capital raise?

As detailed on slide 19, the company is raising $1M through a Convertible Debenture. Key terms include a 10% annual interest rate paid quarterly and a 365-day maturity. The debt converts into common stock at a 30% discount (70% of the open market price). The minimum investment for accredited investors is $25,000.

What kind of companies does Cardiff target for acquisition?

Slide 16 lists five specific targets: a gourmet supermarket chain ($45M revenue), a related real estate entity, a sub-prime motorcycle financing company ($15M value), a mobile home park with 47 units, and a dental chain with 14 locations. They prioritize companies that are already profitable or have significant asset backing, such as accounts receivable or real estate.

What is the status of their current subsidiaries?

The deck highlights Repicci’s Italian Ice & Gelato on slide 10, noting it has a $3M revenue run-rate and over 48 franchise units. It also mentions Edge View Properties on slide 13, which holds 30 acres of land in Idaho near the Salmon River, with plans for a storage facility and RV/Cabin timeshare units.

What is the management structure of Cardiff International?

Slide 7 provides an organizational chart showing a Chairman at the top, followed by a President & CEO. Reporting to the CEO are four C-level executives: Chief Marketing Officer, Chief Development Officer, Chief Operating Officer, and Chief Financial Officer. This corporate layer sits above the various subsidiary companies in the portfolio.

Cardiff International Inc. pitch deck: the facts

Company

Cardiff International Inc.

Year

2017

Stage

Public (OTC: CDIF)

Slides

21

Sector

Conglomerate / Holding Company

Deck type

Investor Presentation

Outcome

Not stated

Headquarters

USA (Subsidiaries in AL, ID)

Cardiff International Inc. pitch deck PDF

The full Cardiff International Inc. deck is embedded on this page and can be read slide by slide in the browser — no download or account required. Each slide is covered in the breakdown above.

What the Cardiff International, Inc. (later Cardiff Lexington Corporation) pitch deck was used for

This is a January 2017 investor presentation for Cardiff International, Inc. (OTC: CDIF), a small‑cap public holding company using acquisitions of cash‑flowing assets to grow a diversified portfolio. The deck frames Cardiff as solving capital‑raising and owner‑diversification challenges for private business owners through its public company platform and "Collaborative Commonwealth" structure. It includes key facts on market cap, trading metrics, revenue and acquisition activity as of late 2016, and describes acquisitions such as Repicci's Italian Ice. The deck culminates in a specific $1M direct capital raise via a convertible debenture aimed at funding pending and future acquisitions and positioning for an eventual uplisting to a larger exchange.

Business model: Publicly traded holding company pursuing a diversified acquisition strategy of income-producing real estate and closely held operating businesses, using a "Collaborative Commonwealth" governance model to provide private companies with an equity exit and capitalization platform.

Year

2017

Headquarters

401 East Las Olas Boulevard, Unit 1400, Fort Lauderdale, FL 33301, United States.

Industry

Holding company / diversified acquisitions.

Round: Public convertible debenture offering to accredited investors.

Raising: The January 2017 investor deck markets a direct $1M equity capital raise from accredited investors via a 10% annual interest convertible debenture, with quarterly interest payments, a 365‑day term, conversion into common stock at 70% of open‑market price, and a $25K minimum investment, intended to fund acquisitions and support positioning for uplisting.

Use of funds as presented: The deck states that proceeds from the $1M debenture are intended to support pending and future acquisitions and to help position the company for an eventual uplisting to a larger exchange.

What happened after the Cardiff International, Inc. (later Cardiff Lexington Corporation) deck

Following the 2017 deck, Cardiff International continued its acquisition‑driven strategy, but subsequently faced SEC scrutiny over interim financial review deficiencies and later reoriented its portfolio as Cardiff Lexington Corporation (CDIX), including divesting food‑service subsidiaries such as Repicci’s Italian Ice, while targeting future uplisting and a focus on core financial services busine

• August 2016: Cardiff International acquires Repicci’s Italian Ice and Gelato, adding a profitable franchising business t
• August 21, 2017: Cardiff files its Form 10‑Q for Q2 2017; a 2018 SEC administrative order later finds the interim financ
• By 2020 the company is operating under the name Cardiff Lexington Corporation (OTC: CDIX) and announces divestiture of f

What the Cardiff International, Inc. (later Cardiff Lexington Corporation) deck got right

• Distinct positioning as an equity exit and capitalization platform. Cardiff articulates a clear niche as a publicly traded holding company that provides private business owners with both an "Equity Exit Strategy" and an "Equity Capitalization Strategy," addressing capital‑raising and ownership diversification challenges faced by small‑cap companies.
• Transparent snapshot of trading and revenue metrics. The deck discloses specific market data—OTC: CDIF ticker, recent price around $0.24, market cap near $3.7M, shares outstanding, float size, and trailing twelve‑month revenue of about $1.2M—allowing investors to understand the company’s scale and liquidity.
• Concrete cash‑flowing acquisition in portfolio. Cardiff’s acquisition of Repicci’s Italian Ice is both highlighted in the deck and corroborated by an external 2016 press release describing it as a strong, profitable business with franchising and tangible asset growth potential, demonstrating that the portfolio includes at least one operating, cash‑flowing asset.
• Clearly defined debenture offering structure. The capital raise section lays out explicit terms for a $1M convertible debenture (10% interest, 365‑day term, conversion at 70% of market, $25K minimum), which provides prospective investors with clear, investable security parameters rather than vague funding goals.
• Appeal to owners through collaborative governance and autonomy. The deck situates Cardiff’s strategy within a broader "Collaborative Commonwealth" governance model that aims to let acquired companies retain operational autonomy while leveraging the capital markets access of a public parent, appealing to owners wary of losing control in a sale.
• Evidence of active portfolio management and strategic evolution. Later materials show that the company continued to execute portfolio changes, including divesting non‑core food‑service holdings and focusing on financial services as Cardiff Lexington, suggesting ongoing strategic evolution rather than a static portfolio.

What could have been stronger

• Limited assurance on interim financials around the time of the deck. The deck’s forward‑looking statements and growth narrative are not accompanied by independently reviewed interim financials; an SEC administrative order in 2018 notes that Cardiff’s Q2 2017 Form 10‑Q contained interim financial statements that had not been reviewed by an independent public accountant, and this lack of disclosure about the review status raises concerns about the reliability of the financial information presented around the same period.
• Sparse detail on debenture structure impact and use of proceeds. While the deck markets a $1M convertible debenture raise and positions the company for uplisting, it does not provide detailed use‑of‑proceeds breakdowns, stress tests of the debenture’s dilution under various stock‑price scenarios, or concrete covenants, making it harder for investors to assess risk and alignment beyond basic terms.
• Limited operating metrics for highlighted acquisitions. The deck emphasizes Cardiff’s solution to small‑cap capital‑raising problems and its diversified acquisitions, but it provides limited quantitative operating data (unit economics, franchise performance, margins) for key acquisitions like Repicci’s Italian Ice, which are central to the growth story but not deeply substantiated in the deck itself.
• Understated governance and regulatory risk relative to later developments. Subsequent SEC action and later divestitures of portfolio companies, such as the 2020 buyback of Repicci’s Franchise Group and spin‑out of food‑service holdings, suggest execution and compliance challenges not foreshadowed in the deck, indicating that the deck’s risk section may underemphasize governance and regulatory risk.

How an investor would read this deck

What draws attention

• Cardiff’s positioning as a small‑cap public holding company solving capital‑raising and owner‑diversification problems for closely held companies via equity exit and capitalization strategies.
• The specific $1M convertible debenture raise terms (10% interest, 365‑day term, conversion at 70% of market, $25K minimum) and how they align with investor risk/return expectations.
• The performance and scalability of key acquisitions like Repicci’s Italian Ice, including franchising growth, profitability, and how cash flows support debenture obligations.
• The company’s path to uplisting from OTC to a larger exchange, including governance, reporting, and capitalization improvements needed to support that aspiration.
• Subsequent regulatory and strategic developments, including the SEC’s 2018 order regarding interim financial review deficiencies and the 2020 divestiture of certain portfolio businesses, as context for assessing the 2017 deck’s claims.

Risks that stand out

• Regulatory and reporting risk, evidenced by the SEC’s 2018 finding that Cardiff’s Q2 2017 Form 10‑Q included interim financial statements not reviewed by an independent public accountant and failed to disclose this, resulting in a civil penalty.
• Execution risk in acquisition strategy, highlighted by the later divestiture and spin‑out of food‑service subsidiaries such as Repicci’s Italian Ice and Romeo’s New York Style Pizza in 2020, suggesting portfolio volatility and potential challenges integrating and scaling acquisitions.
• Financing and dilution risk associated with a $1M convertible debenture that converts at a discount (70% of open‑market price), which could lead to significant equity dilution if the stock price declines or if large debenture holders convert.
• Market and liquidity risk as a thinly traded OTC small‑cap (CDIF at the time of the deck), reflected in the small public float and micro‑cap market capitalization figures disclosed, which can increase volatility and complicate capital raising.
• Strategic risk around the ambitious goal of uplisting to a larger exchange without clear evidence in the deck of meeting more stringent listing standards (governance, capitalization, reporting), as later materials show the company still trading OTC under CDIX and targeting future uplisting.

Questions this deck invites

• How did the $1M convertible debenture offering described in the January 2017 deck perform in practice (amount actually raised, investor base, and any subsequent restructurings or defaults)?
• What were the historical and projected financials (revenue, margins, unit economics) for Repicci’s Italian Ice and other highlighted acquisitions at the time of the deck, and how did they track versus projections over 2017–2020?
• What specific steps did Cardiff take after the deck to address the interim financial review and disclosure issues cited in the SEC’s 2018 administrative order, and how did governance and compliance improve subsequently?
• How did Cardiff’s business mix and capital structure evolve as it transitioned from Cardiff International (CDIF) to Cardiff Lexington (CDIX), including which assets were retained, spun out, or divested and the financial impact of those move
• What concrete milestones and listing requirements did management target for uplisting to a larger exchange, and which of those were achieved or missed in the years following this deck?

What founders can take from the Cardiff International, Inc. (later Cardiff Lexington Corporation) deck

• A small‑cap holding company can use its public status as a central value proposition to private business owners, positioning itself as an equity exit and capitalization platform rather than simply a passive owner.
• Including concrete trading and financial metrics (price, market cap, float, trailing revenue) helps investors quickly contextualize the scale and liquidity profile of a micro‑cap issuer.
• Structuring a capital raise around a clearly defined security (here, a convertible debenture with specific interest, term, conversion discount, and minimum ticket) and explicitly linking it to growth initiatives can make a micro‑cap raise more tangible to investors.
• Highlighting a real, cash‑flowing acquisition like Repicci’s Italian Ice—and explaining why it is an attractive, scalable model—anchors an otherwise abstract roll‑up strategy in a recognizable operating asset.
• Subsequent regulatory actions and portfolio divestitures illustrate that forward‑looking decks should treat governance, reporting quality, and integration risk as central topics, not mere boilerplate, because these factors can materially shape the company’s trajectory.
• Ambitious goals such as uplisting from OTC to a major exchange benefit from clear, measurable milestones and follow‑through; later developments show that without such specifics, investors may view these aspirations as aspirational rather than actionable.

Cardiff International, Inc. (later Cardiff Lexington Corporation) pitch deck: common questions

What kind of company is Cardiff International, Inc. in the 2017 investor deck?

Cardiff International, Inc. in this 2017 deck is presented as a publicly traded holding company (OTC: CDIF) that acquires income‑producing real estate and closely held operating businesses, offering them an equity exit and capitalization platform through its public listing and "Collaborative Commonwealth" governance structure.

What key financial and trading metrics does the 2017 CDIF deck disclose?

The January 2017 deck specifies that Cardiff trades on the OTC market under the ticker **CDIF**, with a recent share price of about $0.24, a market capitalization of roughly $3.7 million, 15.4 million shares outstanding, a float of about 623,646 shares, and trailing twelve‑month revenue of approximately $1.2 million, based on a December 31 fiscal year.

How does Repicci’s Italian Ice fit into Cardiff International’s strategy in the deck?

The deck highlights Repicci’s Italian Ice as an example of a cash‑flowing acquisition, and a 2016 press release confirms that Cardiff acquired Repicci’s Italian Ice and Gelato, describing it as a profitable, franchising‑focused business added to Cardiff’s portfolio under its holding company model.

What specific capital raise is marketed in the January 2017 Cardiff investor deck?

The deck describes a direct investment capital raise of **$1 million in equity from accredited investors** via a 10% annual interest convertible debenture, paid quarterly, with a 365‑day term and conversion into common stock at 70% of the open market price, with a $25,000 minimum investment and a stated goal of funding acquisitions and positioning for a future uplisting.

What happened to Cardiff International after the 2017 deck, especially regarding its acquisitions?

Subsequent information shows that Cardiff International later operated under the name Cardiff Lexington Corporation (OTC: CDIX), and by 2020 the company announced divestiture of its food services holdings, including spinning out Repicci’s Italian Ice as a private company, indicating that at least some portfolio businesses highlighted in the 2017 deck were later sold or spun off.

Sources

Funding and outcome facts on this page were researched on 2026-08-21 from the pages below.

• Cardiff International, Inc. Acquires Repicci's Italian Ice
• Cardiff International, Inc. Investor Deck
• Cardiff Lexington Corp (CDIX) To Focus on Core Financial Services...
• CDIF Investor Presentation.2017.red chip
• Cardiff Lexington Corporation (f/k/a Cardiff International, Inc.)
• Money On Mobile
• Untitled
• EDGAR Full Text Search

Cardiff International Inc. pitch deck slides

What each slide of the Cardiff International Inc. pitch deck says

Slide 2

Forward-Looking Statements This presentation contains forward looking statements within the meaning of the Securities Litigation Reform Act. The statements reflect the Company's current views with respect to future events that involve risks and uncertainties. These risks include the failure to meet schedule or performance requirements of the Company's contracts, the Company's liquidity position, the Company's ability to obtain new contracts, the emergence of competitors with greater financial resources, and the impact of competitive pricing. In the light of these uncertainties the forward-looking events referred to in this presentation might not occur. Cardiff International, Inc. (OTC: CDIF…

Slide 3

Corporate Overview Cardiff solves two key problems every small-cap public company faces: raising capital and owner diversification. FF INTERNATIONAL, INC We provide an "Equity Exit Strategy" for business owners. We provide an "Equity Capitalization Strategy" for business owners. Acquisitions become standalone autonomous Subsidiaries gaining advantages of the power of a public company without losing independent management control This unique diversified platform protects both the investor and subsidiary. We provides our acquisitions the ability to raise capital and give our investors the assurance their investment is at low risk. Cardiff International, Inc. (OTC: CDIF) January 2017 3

Slide 4

3 Areas of Concentration Income Producing Real Estate — Focus is existing income producing Commercial Real Estate Projects. Shopping Centers, Mobile Home Parks, and select Development/Conversion Projects in strong markets. Acquisitions; Closely Held Companies —We provide an “Equity Exit Strategy” for Business Owners. Merging with Cardiff gives Acquisitions a direct pathway to transfer the accumulated wealth from their business out to themselves or their families and/or to innovate, expand, and monetize their business Second Stage Startups- Empower next stage development, often Technology oriented. Cardiff International, Inc. (OTC: CDIF) | January 2017 4

Slide 5

Key Facts Exchange: Ticker OTC: CDIF Recent Price $0.24 Market Cap $3.7 million Shares Outstanding 15.4 million Float 623,646 Revenue (ttm) $1.2 million Fiscal Year December 31 Cardiff International, Inc. (OTC: CDIF) | January 2017 5

Slide 6

Largest Shareholders » Gary Teel Co-Founder $2.0M » Daniel R Thompson Chairman/Co-Founder $1.8M » Peggy Scheer Group Financial Advisor $1.2M » Alex H. Cunningham President & CEO $1.0M » James Cameron Family Movie Producer/Director $650K » Steven Posner Family Florida Real Estate Developer $600K » Richard Duffy Morgan Stanley $500K Cardiff International, Inc. (OTC: CDIF) | January 2017 6

Slide text above is read directly from the Cardiff International Inc. deck PDF embedded on this page.

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