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Bad Credit Is OK! – No Startups!

Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply simply fill out the pre-approval form above now!


  • Simple 2-minute application
  • Approval within 24-hours
  • Funding within days
  • No Start Ups!


  • We work with many industries
  • You pay no upfront fees
  • Your bad credit is ok
  • Must Be In Business 3 Months Min.


  • We have money to lend now
  • We give honest, professional advice
  • When your bank says “no,” we say “yes”

Our Loan Specialists Are Standing By, Call Us Now:    855-889-1990

Can I Get a Business Loan If I Have Bad Credit Chula Vista, CA?

Bad credit business loans are essential to keep your company afloat. At First Choice Business Capital, we can help you get the finances you really need in Chula Vista, CA. We have many finance options available for companies, regardless of a bad credit history. The approval process is fast as well, 24 hours in many cases!

What’s the Real Deal About Business Loans with Bad Credit?

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you’ll find yourself in the majority.Businesses with bad credit get denied for loans more often than not. Bad credit, judgments or liens against a company can be the main reasons for many denials. Once a bank turns down a loan, the business often gives up the search for funds. Even so, there are other options.

A business plainly can not keep its doors open without a cash flow. After the economy failed in 2008, it has become really hard for companies to secure loans.There are new rules in place as well that make the task even more challenging than it was before the collapse.They apply to small and medium-sized entities. This means that those companies with no more than 50 employees are the ones affected.

This is quite the dilemma, yet it has opened the market up for alternate lending options.High-risk lenders like First Choice Business Capital can absolutely provide quick approvals and no-nonsense funding solutions.With alternative lending possibilities available, your business can get the business loans for bad credit it needs.

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Bad Credit Business Loan Options In Chula Vista, CA

Quite possibly you are one of the businesses that are not aware that short-term loan services are out there. Small, medium and even large companies can qualify for uncollateralized loans. Even with bad credit, it is entirely possible to get approved right now. There are still loans on call for your needs. That is completely correct. Subpar credit aside, you can secure a bad credit business loan. Less than excellent credit does not equal a denial, since we provide business loans with poor credit.

First Choice Business Capital can not only deliver you the finances you need but provide poor credit business loans fast. Many times, financing occurs in only 24 hours. You will be putting that money to work quicker than you ever thought entirely possible! It is also true that you can get bad credit business loans fast. With First Choice Business Capital, you can generally acquire financing within just one day! We take pride in helping you solve your financial predicament as quickly as possible, and we possess a high approval rate as well.

Short-Term Loans and Business Cash Advances

Merchant cash advances such as this are also termed an MCA. They are a true lifesaver for those companies that have been turned down by banking establishments because of their credit score. These alternative loan solutions are even easier to qualify for since no collateral is needed. We offer custom loaning for businesses in all types of industries. We only require that your business has been operable for three months minimum and that you transfer between 8-10 thousand dollars monthly.

Merchant Cash Advantage Perks

MCAs offer lots of advantages to all types of companies like yours. A key example of one of these advantages is how quickly a merchant cash advance is financed. Where traditional banks can take a long time, an MCA can possibly be approved and paid in only a fraction of the time. You can be approved for this type of loan in only one day.

You will not need to wait long for your money, either; most loans are financed less than four days shortly after approval. The procedure to get approved is easy, too. The application form is only one page. Have your business’s last six months of bank statements ready, too. With this data, we can work on approving you very fast.If you need a bad credit business loan quick, a merchant cash advance could be just the solution you are looking for.

A short-term business loan in the form of a merchant cash advance is probably just what you need. These loans, which usually range from four to 18 months, have a fixed cost of capital. An MCA can be paid possibly by the day or week. Repayments can be made either daily or weekly from Monday to Friday. Merchant cash advances in most cases have in between 20 and 22 payments each month.


Some Businesses We Consult With

A vast array of businesses are entitled to short term business loans bad credit. Merchant cash advance companies like to work with all sorts. The following niche markets are just some of the businesses we work with: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, Air Conditioning, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Automotive Body Repair and Painting, Home Health Services, Interior Decorators, Pest Control, Taverns and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. There are a lot more company particular niches that can be serviced with small business loans bad credit. First Choice consults with any company that is suffering due to bad credit and meets the minimal criteria set forth earlier.

Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply fill out the online application now!

States We Do Business In

If your business is in one of the following states, we may be able to help you with a cash advance: Wisconsin, Wyoming, West Virginia, Washington, Virginia, Vermont, Utah, Texas, Tennessee, South Dakota, South Carolina, Rhode Island, Pennsylvania, Oregon, Oklahoma, Ohio, North Dakota, North Carolina, New York, New Mexico, New Jersey, New Hampshire, Nebraska, Nevada, Montana, Missouri, Mississippi, Minnesota, Michigan, Massachusetts, Maryland, Maine, Louisiana, Kentucky, Kansas, Iowa, Indiana, Idaho, Illinois, Hawaii, Georgia, Florida, Delaware, Connecticut, Colorado, California, Arkansas, Arizona, Alabama and Alaska.

Only Consult with Professional Bad Credit Business Loan Brokers

For companies with poor credit looking to receive business loans bad credit, always check the reputation of the agent. There are countless different lending institutions, so you have to navigate carefully. Borrowers are sometimes declined because the wrong information is provided to financial institutions by the brokerage firm. A respectable brokerage house should have extensive knowledge of the industry. They should know ways to get businesses financed by the lenders available to them, and they should have an in depth knowledge of the process.

When brokerage houses can syndicate, they may manage to secure more money on the loan. What you do not want is for the broker to shop your deal around. It should not be submitted to many lenders. Choosing a professional alternate financing company goes a long way in making sure this does not occur. First Choice Business Capital knows this, and would refrain from doing anything to mess up our client’s credit further.

Got Bad Credit Business Loan Needs? Call Us!

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity that doesn’t need you to put up your personal things as collateral, and you do not need good credit. You can get this process started right now by filling out the simple form. It is available online, or if you prefer to discuss your options, you can call us today!

Call Now:      855-889-1990

First Choice Business Capital

 Chula Vista, CA, United States


Communities we serve: 

El CajonEscondido, Carlsbad, Chula Vista, Costa Mesa, Hemet, Indio, Irvine, Lake Elsinore, Murrieta, Oceanside, Palm Desert, Perris, San Clemente, San DiegoTemecula, Vista

91911, 91910, 91913, 91915, 91902, 91914, 91950, 92154, 91909, 91912, 91921

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