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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?

If you are hoping to get a bad credit business loan in Hacienda Heights, 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.

Get a Business Loan with Low Credit – The Important Details

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! There are a number of reasons why many businesses with bad credit are declined for a bank loan. Poor credit alone is one of the major reasons. There could quite possibly 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 financing. Still, there are other options.New regulations put into effect after the economic crash has made getting hold of capital nearly impossible, and the companies affected by these are not large corporations, but those with under 50 employees. While this is a step in the wrong direction, it has opened up a new market for those specializing in alternative funding options.

Business cash advances and high-risk finance companies, such as First Choice Business Capital, are immediately accessible to provide you with a quick, no-nonsense financing approach and getting you quick approvals for your business loan. By using the alternative loan options available, it is true that a business with bad credit can get a loan.

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Bad Credit Business Loan Options

Yes, you can get unsecured business loans with subpar credit, because business loans for terrible credit are our specialty! You can be approved for business loans with poor credit as quickly as tomorrow. Business loans for bad credit are offered for all sorts of businesses in Hacienda Heights. Having trouble getting small business loans with low credit? There’s nothing to it at all! First Choice understands that when businesses are looking for working capital, they typically need it as quickly as possible. This is why we pride ourselves on getting easy approvals with an incredibly high percentage approval rating for businesses that apply for a business loan.

Short-Term Loans, Unsecured Loans & Business Cash Advances

You may have heard of these types of alternative lending options, which are also considered as merchant cash advances or MCAs. When conservative options do not work, due to lack of good credit, these poor credit business loans can be an amazing opportunity for a company in terrible need of cash. If you’re a business with horrible credit, you don’t need to have collateral. We provide funding for a myriad of industries, as well, so it is truly likely we would be able to assist you. We only require that your business has been working for three months minimum and that you deposit between 8-10 thousand dollars monthly.

Perks of Merchant Cash Advances

MCAs offer many advantages to all kinds of companies like yours. Applying for a merchant cash advance undoubtedly has its perks. One of the biggest perks about these types of loans is that, as spoken about prior to this, it provides amazingly fast capital, compared to that of a traditional bank. Most loans are approved in a day, and more than 90% of all applications get a loan approval. Plus, loans are funded within 48-96 hrs. after a loan approval. The loan process is painless, too. All you need to complete is a simple one-page application form.

Also, you should also be prepared to produce the last six months of business bank statements. We can work to approve your loan application when this information is provided.A merchant cash advance can be what you need if you have been rejected by your bank as a result of damaging credit. These loans are considered short-term business loans. The loans have a fixed cost of capital and they usually are paid within four months to a year and a half. 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 Team up with All Types of Companies

First Choice loves to help all kinds of companies with short-term business loans bad credit. Here is a sampling of the types of companies we work with: Construction, Electrical contractors, Painting, Carpentry, Roofing, Plumbing related, HVAC, Masonry & Stonework, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Transportation, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffolding, Automotive/Mechanic Repair Shops, Auto Body Repair, Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. There are many more specific niches that can be serviced with business loans with bad credit. We can work with any business that has bad credit and meets our minimum criteria.

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 also easily available 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.

Only Team up with Highly Regarded Bad Credit Business Loan Brokers

There are unethical companies in this industry, preying on those looking for bad credit small business loans. Because of this, it is imperative to ensure that you only deal with reputable brokers. You should be careful, as maneuvering through all the different lending institutions can be a bit tricky. Borrowers are sometimes declined because the wrong information is provided to lending institutions by the brokerage firm. A professional brokerage understands the underwriting process and has substantial knowledge about the lenders at their disposal.

Brokers may also be able to syndicate deals, meaning more funding for your company. That being said, you want to make certain your loan application is not shopped around. When your credit rating is poor, the last thing you really want is to have it lowered even further because of your broker’s actions. You really want to choose a trustworthy company like First Choice Business Capital to make sure that this does not happen.

Call Now for Your Bad Credit Business Loan

It takes a long time for your credit score to improve. Why delay? You don’t need to let any business potential pass you by, and don’t have to relinquish your personal belongings or property to use as collateral for a loan. It is a simple, one-page application. Fill it out online or call us today!

Call Now:      855-889-1990

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