JDMCapital is a merchant cash advance broker with direct relationships across a network of funders. You send one file — we make them compete, then hand you the strongest offer on the table.
Soft review · No obligation · No cost to apply
Funder A
Factor 1.28
$120,000
Funder B
Factor 1.24
$135,000
JDM pick
Factor 1.19
$150,000
More capital, lower factor — because three funders competed for one file.
40+
Funding partners on file
24–48h
Typical time to funding
$180M+
Capital placed for clients
1
Application, every offer
Walk into a single funder and you get their box, their rate, and their incentive to close you fast. There is no one in the room whose job is to get you a better deal.
That is the job we do. JDMCapital takes one application and runs it across our network of funders, turning your file into a competition. You see the offers honestly compared, with every cost in daylight — and you keep the leverage that comes from having options.
A short application and three months of bank statements. No long forms, no commitment — just enough for us to read your business accurately.
We submit to the funders most likely to compete for your profile and pull back real offers — amounts, factor rates, and terms — side by side.
We walk you through every number in plain English, flag the traps, and tell you which deal we would take if it were our own business.
Accept the offer you want and we drive the closing. Capital typically lands in one to two business days — sometimes the same day.
We lead with merchant cash advances and place the adjacent products when they fit your situation better.
A lump sum against future revenue, repaid as a small slice of daily or weekly sales. Our core product.
Flexible, draw-as-you-need capital for businesses that want a cushion rather than a single lump sum.
Capital tied to the assets that grow your business — trucks, machines, or the inventory you need before peak season.
Bridge payroll, cover a slow stretch, or move on an opportunity that will not wait for a bank timeline.
Industries we fund every week
Anyone can fill out a funder's web form. What you cannot replicate is the standing that comes from placing deals, deal after deal, with the same partners — the kind of relationship that gets your file moved to the top of the stack.
We are not a lender with one product to push. We are paid to find the offer you actually accept, which means our interest and yours point the same direction.
Years of placed deals mean our funders pick up the phone. That standing gets your file a faster, more serious look — and leverage on your terms.
Factor rates, holdbacks, fees, term — every cost is on the table before you sign. If a deal has a catch, we are the ones who point it out.
When capital is time-sensitive, days matter. We compress the back-and-forth so you can decide and move while the opportunity is still live.
I had two offers from funders I found myself. JDMCapital came back with a third that was twenty grand more at a lower rate. The call paid for itself a dozen times over.
Marcus Delgado
Owner, Riverside Auto Group
They actually talked me out of the biggest offer because the holdback would have choked my cash flow. That is when I knew they were working for me, not the funder.
Priya Raman
Founder, Coastline Restaurant Group
Bank said no for ninety days. JDM had a funded offer on my desk in under two. We bought the inventory and tripled the season.
Devon Whitaker
Whitaker Outdoor Supply
Still unsure? Call us at (800) 555-0199 and talk to a real advisor — no script, no pressure.
A merchant cash advance is a lump sum of working capital advanced against your future revenue. Instead of a fixed monthly loan payment, you repay through a small, agreed percentage of your daily or weekly sales — so repayment flexes with how your business is actually doing.
A single funder only offers you their box. We submit one file to multiple funders we already have relationships with, then put their competing offers side by side. That competition is what drives your rate down and your terms up — and it costs you nothing to let us run it.
Most files we place are approved within hours and funded in 24 to 48 hours once documents are in. Simple deals can close same-day. We tell you upfront what your file realistically supports before you commit to anything.
Generally: at least a few months in business, consistent revenue deposits, and a business bank account. We work with newer businesses and challenged credit — because we have funders for nearly every profile, not just the prime ones.
In most cases our commission is paid by the funder, not by you, so our service is free to the business owner. Where any cost would ever apply to you, we disclose it in writing before you sign. Our incentive is to find the offer you actually accept.
No. Our initial review is a soft pull that has no impact on your credit score. A hard inquiry only happens later, with your explicit go-ahead, on an offer you have decided to move forward with.
Tell us about your business. Within one business day, a JDMCapital advisor comes back with the real offers we can put on the table — no obligation to take any of them.
Reviewed in hours
We move on your file the moment it lands.
One file, every funder
Submit once — we take it to the whole network.
Zero risk to apply
Soft review, no credit impact, no cost.