• Questions? Call 855-889-1990

Are You A Business 
Owner That Needs  
Funding Fast?

Get Pre-Approved Instantly!

Apply Now For A Free
No Obligation Pre-Approval!

Get Pre-Approved in just 5 Seconds!

Congratulations, You’ve Been

Enter Your Details below to see how much you qualify for:

Sorry, We Need More Details Before We Can Approve You

Enter Your Details Below To Explore Finance Options Your Business May Qualify For

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

A Business Loan With Bad Credit in El Cajon, CA – Is it Really Advisable?

First Choice Business Capital can help you secure the bad credit business loans you may need to keep your business in El Cajon, CA profitable, whether or not you have bad credit. We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

What to Be Aware of When Getting Business Loans with Bad Credit

The majority of companies today do not qualify for bank loans. In fact, studies have shown that only 30 percent of businesses would get approved! We pride ourselves in really helping companies get the funds they need regardless of what your credit history looks like, and we have many solutions that we can provide.Loans are denied all of the time, and this can occur for many reasons. Unsatisfactory credit is often cited in these cases.Banks deny loans to companies with bad credit for a wide range of reasons.

Working capital is the foundation on which a company operates. It is the basis on which to keep functioning. Today, gaining access to capital has become a challenge because of new regulations.To complicate matters, these regulations apply to “Mom and Pop” type operations that have less than 50 employees.This situation is a burden to those needing funding, but it has opened the doors for alternate finance companies to step in to provide much-needed options.

High-risk lenders like First Choice Business Capital could provide quick approvals and no-nonsense funding solutions.We even offer 24-hour approvals! It really is true that businesses with subprime credit can get the amount of money they really need. When traditional routes fail, alternate loan providers can offer the assistance needed.

Featured on graphic

El Cajon, CA, Bad Credit Business Loan Options

Perhaps you are one of the businesses that are not aware that short-term loan solutions are offered. But the good news is, they seriously are – and the best part is, they are unsecured! Business loans for bad credit are available in the market, even with no collateral and negative credit. Furthermore, you can get bad credit business loans fast and that’s no myth. First Choice Business Capital ordinarily funds loans within 24 hours. First Choice knows that businesses in need require capital now, so we pride ourselves on a high approval percentage that occurs quite quickly.

Business Cash Advances, Unsecured Loans and Short-Term Loans

These types of offerings are known as a merchant cash advance (MCA). These small business loans bad credit are sometimes the only factor standing between a company continuing to be open or closing for good. When a traditional bank turns down a loan, these can give the money required to stay doing business. If you’re a business with horrible credit, you don’t need to have collateral. We provide lending for a variety of industries as well, so it is very possible we would be able to assist you. We do not provide start-up loans, so you need to have a business that has been functioning for a minimum of three months. Besides that, we would need to see that you deposit a minimum of eight thousand dollars for the past three successive months.

Merchant Cash Advances Benefits

There are several advantages to MCAs. For one, these business loans with poor credit are funded much more quickly than those from traditional banks. Actually, most of these loans are approved in 24 hours. The approval rate of these loans is gigantic compared to typical bank loans as well. We can proudly claim an approval rate of over 90 percent, which says you have much better chances of being approved than at a bank! You will not have to wait long for your cash once approved. These loans are often paid out in less than four business days, which is much faster than a bank. The application is only one page and the last six months of banking statements will need to be supplied.

We can work to approve your loan application when this info is provided. A merchant cash advance can be solely what you need if you have been denied by your bank due to damaging credit. When your business is halting because of a lack of cash flow, this short-term business loan can get you the money you seriously need. These loans have a fixed capital cost and run from 4-18 months. Daily payments are made five days per week, not counting Saturday or Sunday. For a merchant cash advance, there are usually between 20 and 22 payments every month.


We Consult with All Types of Companies

A wide variety of businesses qualify for short term business loans bad credit. Merchant cash advance companies like to work with all sorts. Here is a sampling of the types of companies we partner with: Home Health Companies, HVAC, Interior Decorators, Masonry and Stonework, Pest Control, Rigging and Scaffolding, Tire Shops, Trucking, Water Well Drilling, Wrecking and Demolition companies, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Night clubs and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. Poor credit business loans can be had by these companies and many more. As you discovered before, the application process is easy and the criteria minimal. If you have credit difficulties affecting your ability to obtain a loan, First Capital can help.

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 Can Really Help!

Merchant cash advances are accessible to business entities in the following states: 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.

Seeking Out a Legitimate Lending Institution of Business Loans For Poor Credit

For companies with below average credit looking to receive a bad credit small business loans, always check the reputation of the agent. There are plenty of different lending institutions, so you have to navigate carefully. It is unfortunate when a borrower is declined due to an agent providing erroneous information and facts to a lender. A respectable brokerage house should have extensive knowledge of the industry. They should know exactly how to get businesses financed by the lenders available to them, and they should have an extensive knowledge of the process.

Brokers may also be able to syndicate deals, meaning more funding for your company. That being said, you want to confirm your loan application is not shopped around. When your credit rating is below average, the very last thing you really want is it being lowered even more because of your broker’s activities. Deals that are sent in tandem like this can make your credit score take a plunge even further. You do not want this to happen, specifically when a low credit score is why you are shopping for alternative lending in the first place. Selecting a good lending house like First Choice Business Capital will save you this heartache.

If You Need a Bad Credit Business Loan, Call Us Right Away!

It takes a long time for your credit score to improve. Why hang around and wait for it to get better? The straightforward application can be completed online right now, and agents are anticipating your call. Change the direction of your business by consulting with us now!

Call Now:      855-889-1990

First Choice Business Capital

 El Cajon, 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

92020, 92021, 92019, 91941, 92071, 92090, 92022

Touch to Call!