PMF LA
From $10,000 to $20,000,000 across 14 programs — SBA, working capital, lines of credit, equipment. Compared for you by a team in Century City, with the requirements published below.
Every card shows amount, term, time to fund and the credit we look for — so you can rule things out before you talk to anyone.
Fast cash for payroll, inventory or a slow month. Repaid as a small percentage of daily sales, so a slow week costs you less.
Slow day, smaller payment. Nothing fixed.
The lowest cost of capital for expansion, acquisition or buying your building. Slower — but worth it when you can wait.
Same payment for 25 years while revenue grows.
Draw what you need, pay interest only on what you use, and draw again as you pay it down.
Only what you draw counts. The limit is there when you need it.
Trucks, ovens, dental chairs, CNC machines. The equipment is the collateral, so rates stay low and approvals stay fast.
Same payment every month. The trucks earn while they pay for themselves.
A fixed monthly payment over 1–5 years for a defined project — a build-out, a second location, a big order.
Same payment, every month. No surprises.
Turn unpaid invoices or a purchase order into cash now, so you can take the bigger job without waiting 60 days to get paid.
You keep the customer. We wait for the check.
Three questions tell us which programs fit. Documents come later, and only for the offer you actually want.
Three questions. No documents, no credit pull.
Your credit score will not be affected.
No documents needed for this step.
A specialist calls within one business hour, 8am–6pm PT.
Opens the full application with your answers pre-filled.
Amount, revenue, time in business. Soft check only.
60 secondsYour specialist pulls offers across our lender network and shows the true cost side by side.
Same business daySign electronically. Working capital lands same day; SBA closes in 45–90 days.
24 hours – 90 daysBanks turn down most small-business applications. We match your file to the right lender across 14 programs — so you get options, not a rejection letter.
Most lenders make you fill out the whole application to find out you don't qualify. Here's what each program looks for, so you can rule things out in a minute.
| Program | Amount | Term | Time to fund | Time in business | Monthly revenue | Credit |
|---|---|---|---|---|---|---|
| Working capital | $10K – $20M | 6 – 24 mo | Same day | 6+ mo | $15K+ | 500+ |
| Line of credit | $25K – $500K | Revolving | 24 – 48 hrs | 1+ yr | $20K+ | 600+ |
| Term loan | $50K – $1M | 1 – 5 yrs | 3 – 7 days | 1+ yr | $20K+ | 620+ |
| Equipment | Up to $1.5M | 2 – 7 yrs | 2 – 5 days | 1+ yr | $15K+ | 600+ |
| SBA 7(a) | $350K – $5M | 10 – 25 yrs | 45 – 90 days | 2+ yrs | Profitable | 680+ |
| Invoice factoring | Up to 90% advance | 30 – 90 days | 1 – 3 days | Any | B2B invoices | No minimum |
| HELOC | $25K – $750K | 10 – 20 yrs | 2 – 3 weeks | n/a | Verifiable income | 660+ |
Typical guidelines across our lender network, not hard cutoffs — strong revenue can offset credit and vice versa. PMF LA is a broker, not a bank, and does not guarantee approval, funding, terms or timing. Your specialist will show the full cost of any offer before you sign.
A Fashion District wholesaler, a Vernon food manufacturer and a Burbank post house don't need the same loan. Pick your industry to see what we usually structure.
Existing testimonials, re-set with initials instead of stock photos. Swap in Google reviews as they come in.
They found us a working-capital option in a day when our bank wanted three weeks. Clear about the cost, no surprises.
Second location funded through an SBA loan. Cole walked us through every document and the rate was better than quoted.
Equipment financing for two trucks in under a week. Straightforward people.
Still have questions? Talk to a specialist →
No. The first step is a soft inquiry only. A hard pull happens only if you accept an offer that requires one, and we tell you before that point.
Most programs: 6+ months in business, $15K+ in monthly revenue and a 500+ FICO. SBA loans want two years and stronger credit. If you're under those, we'll say so up front.
Working capital and some lines of credit fund same or next business day after approval. Term loans take 3–7 days, equipment 2–5, SBA 45–90. The timing is on every program card.
We're a broker — part of the Premium Merchant Funding network — which is why we can compare 14 programs instead of pushing one product. We're paid by the lender, and your specialist walks you through the full cost of every offer before you sign.
Yes, all 50 states and Canada. Los Angeles is home, and the team you talk to sits in Century City.
Three questions, no documents, no credit impact. Know your options before you talk to anyone.