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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”

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How To Get a Business Loan for Unsatisfactory Credit?

 If you are wanting to get a bad credit business loan Gardena, CA, First Choice Business Capital can help. We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

Getting a Business Loan with Bad Credit, Fact or Fabrication?

Recent research studies show, an extraordinary 70% of businesses doesn’t qualify for a bank loan.We pride ourselves in really helping companies get the funds they need, regardless of what your credit history looks like, and we have many alternatives that we can provide.Loans are denied all of the time, and this can occur for many reasons. Subpar credit is often cited in these cases. There could very well also be tax liens against the company, and court judgments can affect the outcome, too.

Once a bank turns down a loan, the business often gives up the search for funding. Even so, there are other options.Working capital is the foundation on which a company operates.When the market tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more challenging. New regulations enforced after the economic crash have made getting capital nearly impossible. The entities affected by these are not large corporations, but those with under 50 employees.

Opportunely, alternative finance companies have stepped in to help solve this dilemma.At First Choice Capital, we focus on high-risk funding for those businesses that are affected by these regulations. Loan options for businesses with bad credit are not just a pipe dream. With alternative lending possibilities available, it is a reality.

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Gardena, CA, Bad Credit Business Loan Options

What almost all businesses don’t realize is that unsecured short-term loans are readily available to them! Small, medium and even large companies can qualify for uncollateralized loans. Even with bad credit, it is likely to get approved right away. Even with bad credit and no collateral, businesses can receive loans. Furthermore, you can get bad credit business loans fast and that’s no misinformation.First Choice Business Capital cannot only give you the funds you need, but provide bad credit business loans fast. Many times, funding occurs in only 24 hours. You will be putting that money to work a lot faster than you ever thought conceivable! Small business loans bad credit — really? Yes, you’re really not dreaming! You don’t need the money next week. You need it now.First Choice understands that when businesses are looking for working capital, they frequently need it as quickly as possible, which is why we pride ourselves on getting simple approvals with a significantly high percentage approval rating for businesses that apply for a business loan.

Business Cash Advances, Short-Term Loans and Unsecured Loans

You may have heard of these types of alternative financing options, which are also known as merchant cash advances or MCAs. For companies that have been turned down for a business loan by a bank, these kinds of poor credit business loans offer an amazing opportunity to get funding. You do not even need collateral in order to qualify for an MCA. There are funding options for all sorts of companies; so no matter what profession you are in, we can help. We only require that your business has been operational for three months minimum and that you deposit between 8-10 thousand dollars monthly.

What Are the Merits of Merchant Cash Advances?

MCAs offer many advantages to all kinds of companies like yours, including the fact that these loans are funded much quicker than those from traditional banks. As a matter of fact, most of these loans are approved in 24 hours. Yes, that’s right! Just one day! More than 90% of all inquiries get a loan approval. Plus, loans are funded within 48-96 hrs. after a loan approval. Our approval rate of 90 percent implies 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 commonly paid out in less than four business days, which is much faster than a bank. Also, the application is only one page and the last six months of banking statements will need to be supplied. When a business needs a bad credit loan fast, a merchant cash advance is the ideal type of business loan the company should seek. When your business is slowing due to 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.


Some Businesses We Work with

A vast range of businesses qualify for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. The list below is a sprinkling of the types of businesses we want to hear from: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, Heating and Cooling, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Automobile Body Repair and Painting, Heating and Cooling, Home Health Services, Interior Decorators, Pest Control, Taverns and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. There are more company niches that can be serviced with business loans with bad credit.As you have discovered before, the application process is easy and the criteria minimal. If you have credit troubles 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!

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

If your business is in one of the following states, we may be able to help you with a cash advance: 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.

Reputable Bad Credit Business Loans Company

When looking to get bad credit small business loans, be certain that you are working with a respectable broker. You should be careful, as browsing through all the different lending institutions can be a little bit tricky. Borrowers are sometimes declined because the wrong information is provided to lenders by the brokerage firm. A good brokerage house can get businesses funded by thoroughly understanding the underwriting process of the different lenders available to them.

You should also know that some brokerage houses could even syndicate deals, which can amplify the total approval amounts. Also, a great broker should stop your deal getting submitted to multiple lenders. When an application is shopped around, it can damage your credit score even more. Choosing a trustworthy alternative lending establishment like First Choice Business Capital will protect you from this.

If You Are In Need of a Bad Credit Business Loan, Do Not Delay – Contact Us Today

It is not important for you to wait until your score improves to apply for a loan. Do you truly want to let this opportunity pass you by? The straightforward application can be completed online right now, and operators are anticipating for your call. Call us today or submit the short online application to get the process started right now!

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