non-profit member-owned organization which was founded in 1896 and is comprised of commercial business entities In the Pacific Southwest. SDCA is an affiliate of the National Association of Credit Management (NACM), a nationwide organization consisting of over 45,000 member companies, making it one of the oldest and largest business organizations in the United States. Members of SDCA are business credit grantors in manufacturing, wholesalers, service industries and financial institutions. Our one objective is to provide commercial credit grantors with the finest business credit services available anywhere.