Merchant cash advances give businesses the flexibility they need to finance their growth. Retailers use them to purchase seasonal inventory. Restaurants use them to upgrade their kitchens. Manufacturers use them to purchase better equipment. In each of these cases, the expenses occur weeks or months ahead of revenue.

A merchant cash advance lets you get the capital you need now and repay it as your business grows.

A merchant cash advance is not a loan. You agree to sell a portion of your future sales to PDM Capital at a discount. We get you the cash quickly so you can start putting it to work. An agreed-upon percentage gets deducted from your daily credit card transactions or daily bank deposits. Your payments shrink and grow in lock step with your sales. By automatically adjusting to your cash flow, a merchant cash advance helps you manage your business better.

We designed our application process to get cash quickly into the hands of small business owners. Our financing criteria sets a bar that most businesses can clear: a FICO score greater than 500 and at least three months of bank or credit card transaction history.

We do not ask for personal collateral, just a small share of your daily sales. Since we only get paid when you get paid, we only succeed when you succeed.