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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 In Folsom, CA?

If you are seeking business loans for bad credit in Folsom, CA, First Choice Business Capital can help. We have many loan options available for companies, regardless of a bad credit history. The approval process is fast as well, 24 hours in most cases!

The Facts About Obtaining A Business Loan With Subpar Credit

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you may find yourself in the majority. Banks can deny loans for many reasons. A few cases for declined loans could be as basic as a company applying for a business loan with poor credit. Or a business could also have tax liens or judgements against them. Businesses with bad credit in most cases give up after they are declined for a bank loan.

Without proper access to cash most businesses won’t keep their doors open for very long.The economy collapsed in 2008, and ever since then, it has become extremely tough for companies to secure loans. New regulations enforced after the economic crash has made acquiring capital nearly impossible.The companies affected by these are not large corporations, but those with under 50 employees.This situation is a burden to those needing funding, but it has opened the doors for alternative lenders to step in to provide much-needed solutions.

If you are interested in a loan process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funding you need, faster than you ever thought possible. So despite of what you may have heard, it is undeniably a true fact that businesses with bad credit can easily get the financing they need by leveraging the various alternative-lending possibilities available to them.


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Folsom, CA, Bad Credit Business Loan Options

What almost all businesses don’t realize is that unsecured short-term loans are easily available to them! Uncollateralized loans are accessible to small, medium and large size businesses with bad credit. Loans are out there, even with no collateral and terrible credit. You can get approved for the business loans with poor credit you need, as quickly as tomorrow. First Choice Business Capital typically funds loans within 24 hours. Yes, just 1 day! Small business loans bad credit – really? Yes, you’re really not dreaming! You don’t need the money next week. You need it now.That’s why First Choice understands this. We take pride in helping you solve your financial emergency as quickly as possible, and we possess a high approval rate as well.

Short-Term Loans and Business Cash Advances

Alternative lending such as these are often referred to as a merchant cash advance, or MCA. Poor credit business loans are a true lifesaver for those companies that have been turned down by banking organizations because of their credit score. If you’re a business with bad credit, you don’t need to have collateral. We supply unique business financing in all types of industries. The only qualifying measures we need is for your business to be older than three months and that you regularly deposit at least eight thousand dollars every month.

Merits of Merchant Cash Advances

There are many merits to applying for a merchant cash advance. Merchant cash advances offer many perks to all kinds of companies. One of the primary advantages of a loan of this sort is how quickly it is funded; it is especially fast in comparison to a loan from a bank. You can be approved for this type of loan in only one day. The approval rate for these loans is unbelievable. In fact, over 90 percent of applications are approved! Do you want to know the best part? As soon as you get approved, you will have the cash you need within 48-96 hours.

You do not have to go through an extended loan process, either. The loan approval process is fast and easy as well. All you need to submit is a simple one-page application form. You should also be prepared to produce the last six months of business bank statements. A merchant cash advance is a great solution for companies that need cash right away.Merchant cash advances are short-term business loans. They typically run from 4-18 months and these loans have a fixed cost of capital. 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.


What Type of Businesses Can We Collaborate With?

Short term business loans bad credit is obtainable to a wide variety of businesses. Small, medium and large business qualify for unsecured short-term loans. Here are just a few we have worked with: Construction, Electrical contractors, Painting, Carpentry, Roofer, Plumbing, heating and Air, Masonry & Stone, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Trucking, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffolding, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. These are just a few trades that are suitable for business loans with bad credit. First Choice can help any business that meets the requirements and has credit woes.

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!

Are You in One of These States? We Can Help!

Merchant cash advances are available in the market to business entities in the following states: Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming and Wisconsin.

Respectable Bad Credit Business Loans Company

When seeking to get bad credit small business loans, be certain that you are dealing with a reliable broker. Not all of them will have your best interest at heart. Borrowers are sometimes declined because the wrong information is provided to financial institutions by the brokerage firm.

A credible brokerage understands the underwriting process. They have considerable knowledge about the lenders at their disposal. Those lenders that can syndicate the deals may even increase loan amounts. You do not want your broker submitting your application to a lot of lenders. When an application is shopped around, it can damage your credit score even more. Choosing a trustworthy alternative lending organization like First Choice Business Capital will protect you from this.

Got Bad Credit Business Loan Needs? Call Us!

There is no need to lie in wait for your credit score to escalate to apply for bad credit business loans fast. Keep your personal belongings – you don’t have to worry about not having enough collateral. Change the direction of your business by calling us right now!

Call Now:      855-889-1990

First Choice Business Capital

 Folsom, CA, United States


Communities we serve: 

Davis, Elk GroveFairfield, FolsomNapa, Rancho Cordova, RocklinRosevilleSacramentoVacaville, Woodland

95630, 95662, 95670, 95742, 95763

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