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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

Getting a Business Loan with Bad Credit is Not Impossible!

 First Choice Business Capital can help you acquire the bad credit business loans you require to keep your business in Fullerton, CA, afloat, even if you have bad credit.At First Choice, we realize how annoying and disheartening it can be if you have a low credit score and you’ve been getting declined from conventional banks for backing. That’s precisely why we have committed ourselves to making business-funding opportunities obtainable to all business organizations, regardless of a bad credit history.

Business Loans with Bad Credit, What Do I Need to Know?

The majority of companies today do not qualify for bank loans. In fact, studies have shown that only 30 percent of businesses would be approved!Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.” But a business must have capital in order to stay afloat.

When the economy tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more tricky. New guidelines have cut access to capital for many businesses.To complicate matters, these regulations apply to “Mom and Pop” type operations that have fewer than 50 employees.

This situation is a burden to those needing funding, but it has opened the doors for alternate loan companies to step in to provide much-needed services.

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Bad Credit Business Loan Options

It is a pity that many people do not know their options. Unsecured, short-term loan options do exist for companies in your situation! Yes, you can get business loans with subpar credit. Business loans for bad credit are our field of concentration! Less than perfect credit does not equal a denial. We deliver business loans with poor credit. Business loans for bad credit are offered for all sorts of businesses in Fullerton.
It is also true that you can get bad credit business loans fast. With First Choice Business Capital, you can normally receive funding within just one day!
Yup! When businesses need working capital, they need it now. First Choice recognizes this need and offers fast approvals.

Business Cash Advances, Unsecured Loans and Short-Term Loans

This type of alternate lending is often known as a merchant cash advance, also known as an MCA. When conservative options do not work due to lack of good credit, these poor credit business loans can be a great business opportunity for a company in dire need of finance. No collateral is needed to qualify for a business cash advance, which makes it actually easier to qualify for a loan if you’re a business with horrible credit. There are financing options for all sorts of companies; so no matter what industry you are in, we can help. The only requirements we need are for your business to be older than three months and that you regularly deposit at least eight thousand dollars every month.

Perks of Merchant Cash Advances

MCAs offer plenty of benefits to all kinds of companies like yours. One of the greatest 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. The majority of loans of this type is approved within as little as one day. The loan procedure is pain-free, too. All that is needed one simple page of applications and bank statements from the last six months. With this information and facts, we can work on approving you very fast.

A short-term business loan in the form of a merchant cash advance is very likely just what you need. These loans, which usually last from four to 18 months, have a fixed cost of capital. An MCA can be paid either by the day or week. Payouts can be made either daily or weekly. Loan payments made daily are Monday through Friday. Merchant cash advances normally have anywhere between 20 and 22 payments each month.


Some Businesses We Coordinate with

A vast range of businesses qualifies for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. The following is a smattering of the types of businesses we want to hear from: Automotive/Mechanic Maintenance and repair Shops, Auto Body Repair and Painting, Nightclubs and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations, General Building Contractors, Home Health Providers, HVAC, Interior Decorators, Brickwork and Stone, Pest Control, Rigging and Scaffolding, Tire Shops, Truck, Water Well Drilling, Wrecking and Demolition companies. There are a lot more company areas that can be serviced with business loans with bad credit. First Choice can help any business that meets the criteria 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!

In Which States Do We Do Business?

Merchant cash advances are also obtainable 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.

Looking for a Dependable Financial Institution of Bad Credit Business Loans

When a business with bad credit is looking for a merchant cash advance loan or bad credit small business loan, it is most ideal to work with a credible broker. There are plenty of different lending institutions, so you have to navigate carefully. It is unfortunate when a borrower is declined because a broker has provided incorrect data to a lender.

Excellent brokers know finance and the underwriting process well. They understand what it takes to get business capital. The amount of the credit could also be raised if the brokerage house knows how to syndicate the transaction. But you do not want your broker submitting your application to a lot of lenders. Deals that are shopped to numerous lenders can, in fact, hurt the borrower’s credit score, which is why it is important that you work with an alternate lending company like First Choice Business Capital for your business loans when your credit rating is below stellar.

Got Bad Credit Business Loan Needs? Call Us!

It takes a long time for your credit score to improve. Why hold back? Keep your personal belongings; you don’t have to worry about not having enough collateral. Fill out the short online application or call us today!

Call Now:      855-889-1990

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