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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

A Business Loan with Bad Credit – Is it Really Probable?

 Are you seeking out bad credit business loans in Long Beach, CA? If you want a simple and hassle-free option, First Choice Business Capital can really help you today! Here at First Choice, we understand the pain and aggravation that being denied for loans from traditional banks can cause. We have many money options available for companies, regardless of a bad credit history. Also, the approval process is fast as well, 24 hours in many cases!

The Facts About Receiving a Business Loan 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 be approved! We pride ourselves in helping companies get the funds they need regardless of what your credit history looks like, and we have many options that we can offer. Poor credit alone is one of the main reasons that banks deny business loans, but companies may also have a court judgment or lien.

A business must have working capital in order to stay profitable,because it is the basis on which to keep operating.Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.” And there are new policies in place, as well, that make the procedure even more challenging than it was before the collapse. To complicate matters, these regulations apply to “Mom and Pop” type operations that have fewer than 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. At First Choice Capital, we are skilled in high-risk funding for those businesses that are affected by these regulations. Lending options for businesses with bad credit are not just a pipe dream. With alternative lending possibilities available, they are a reality.

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Bad Credit Business Loan Options in Long Beach

Most companies are not acutely aware of the choices readily available to them. Even unsecured, short-term business loans bad credit are achievable. Small, medium and even large organizations can qualify for uncollateralized loans.Even with bad credit, it is likely to get approval immediately. Loans are easily available, even with no collateral and negative credit. In fact, business loans for bad credit are available for all types of businesses; and that’s not fiction, it’s fact. What’s even better is that you can get bad credit business loans fast; some alternative loan companies such as First Choice Business Capital can typically fund you within just 24 hours. Do you want to be approved for small business loans bad credit? No problem! 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.

Business Cash Advances, Unsecured Loans and Short-Term Loans

Merchant cash advances such as this are also called MCAs. When a traditional bank turns down a loan, MCAs can provide the money required to stay operating. You do not even really need collateral in order to qualify. We offer custom loans for businesses in all types of industries. We only require that your business has been in service for three months minimum and that you deposit between 8-10 thousand dollars monthly.

Merchant Cash Advance Benefits

Applying for a merchant cash advance most definitely has its perks. A prime example of one of these benefit is how quickly a merchant cash advance is funded. Where traditional banks can take a long time, an MCA can possibly be approved and paid in only a fraction of the time. 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 hours after an approval.

You do not have to go through a very long loan process, either. You will need to fill out a one-page application and to provide bank statements from the last six months. This is everything that is needed to get you approved quickly.A short-term business loan in the form of a merchant cash advance is probably just what you need. These loans, which usually range from four to 18 months, have a fixed cost of capital. An MCA can be paid either by the day or week. 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 Kind of Businesses Can We Collaborate with?

First Choice loves to help all kinds of companies get short-term business loans bad credit. The following is a smattering of the types of businesses we want to hear from: Home Health, Services, 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, Bars and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. Any of these companies and many more can be given business loans with bad credit. If you meet the criteria we discussed previously, First Capital can work with you.

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!

With What States Do We Work?

Merchant cash advances are also available 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.

Only Deal with Trusted Bad Credit Business Loan Brokers

There are shady companies in this industry, preying on those looking for bad credit small business loans. Because of this, it is necessary to ensure that you only deal with reputable brokers. You have to navigate carefully. Borrowers have accidentally been declined in the past , due to erroneous information being given by intermediaries to their lender of choice.

Really good brokers know financial institutions and the underwriting system well. They recognize what it takes to get business capital.
The amount of the credit could also be increased, if the brokerage house knows how to syndicate the transaction. What you do not want is for the broker to shop your deal around. It should not be submitted to many lenders. Deals that are submitted 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. Picking a good lending house like First Choice Business Capital will save you this heartache.

If You Need a Bad Credit Business Loan, Call Us as Soon as Possible

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity. Do not let it pass you by. And don’t worry about collateral; you don’t need it to obtain the loan. You can get this process started right now by filling out the simple form. It is available online, or if you prefer to discuss your options, you can call us today!

Call Now:      855-889-1990

First Choice Business Capital

 Long Beach, CA, United States


Communities we serve: 

90805, 90813, 90806, 90804, 90815, 90802, 90808, 90803, 90807, 90810, 90814, 90713, 90731, 90740, 90755, 90822, 90831, 90833, 90834, 90835, 90840, 90842, 90844, 90845, 90846, 90847, 90848, 90888, 90899, 90801, 90809, 90832, 90853

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