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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 in Modesto, CA

 Bad credit business loans are a reality. At First Choice Business Capital, we can help you get the revenue you need in Modesto, CA.Traditional banks often deny funds to businesses that do not have good credit, which causes much frustration to the owners. We understand your pain. Regardless of a bad credit history, we can have many business funding options available, such as cash advances, short-term loans and much more.

Getting Approved for a Business Loan with Imperfect Credit

You are, in all likelihood, quite stressed and disheartened from being denied, but we can help.Businesses with bad credit are denied for loans more often than not. Bad credit can be the main reason, but companies may also have a judgment or lien. Once a bank turns down a loan, the business often gives up the search for funds. Nevertheless, there are other options.

Without proper accessibility to cash, most businesses couldn’t keep their doors open for very long. When the economy tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more tricky. New requirements have cut access to capital for many businesses. 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. At First Choice Capital, we specialize in high-risk funding for those businesses that are affected by these regulations.

So, despite of what you may have heard, it is undeniably accurate and not just a myth that businesses with bad credit can readily get the funding they need by leveraging the various alternative-lending a choices available to them.

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Modesto, CA, Bad Credit Business Loan Options

It is a shame that many folks do not know their options. Uncollateralized loans are offered to small, medium and large businesses with bad credit. Even with bad credit and no collateral, businesses can get loans.These business loans for bad credit are not just for certain types of companies, either. We service many different types in Modesto. First Choice Business Capital can not only provide you the money you need but provide bad credit business loans fast.You will be putting that money to work much faster than you ever thought possible. Some alternative lenders offer bad credit business loans fast, like First Choice Business Capital, which is proud to offer loans in just 24 hours in many cases.Looking for small business loans bad credit? Yup! When a business needs working capital, they need it now. First Choice recognizes this need and offers simple approvals.

Short-Term Loans, Unsecured Loans & Business Cash Advances

You may have heard of these types of alternative lending options, which are also referred to as merchant cash advances or MCAs. These poor credit business loans are great for the majority of businesses that just can’t get traditional financing due to their bad credit history. Qualifying for these alternative loan solutions is easy, since no collateral is required. We offer custom lending for businesses in all types of industries. The only requirements are that the business has been operating for at least 3 months and you’re depositing at minimum 8 and 10 thousand dollars typically over the last 3 months

Perks of Merchant Cash Advances

Merchant cash advances offer many advantages to all kinds of companies. A big plus of this type of loan is that it can be funded in a fraction of the time of a traditional banking loan. Many times, a business can have approval in only one business day.The approval rate of these loans is humongous compared to typical bank loans, as well. Believe it or not, over 90 percent of them are approved!The process for a loan approval is very uncomplicated.

A one-page easy application and the last 6 months of your business bank statements are all that are needed. With this information, an approval can be given very quickly. A merchant cash advance can be just what you need, if you have been turned down by your bank as a result of poor credit. These loans are considered short-term business loans. The loans have a fixed cost of capital. They usually are repaid within four months to a year and a half. Payouts can be made either daily or weekly and loan payments made daily are Monday through Friday. Merchant cash advances commonly have somewhere between 20 and 22 payments each month.


We Consult with Many Businesses

Short-term business loans bad credit is offered to a myriad of company niches. At First Choice, we have helped almost every kind of company. There is a wide range of businesses that merchant cash advance companies like to work with. Some of the most common niches include: Automotive/Mechanic Repair Shops, Wrecking and Demolition, Car Body Repair and Painting, Water Well Drilling, Cafes and Restaurants, Trucking, Beauty Shops, Tire Shops, Carpentry, Rigging and Scaffolding, Construction, Pest Control, Driveway and Parking Pavement, Brickwork and Stone, Gasoline Service Stations, Interior Decorators, General Building Contractors and Home Health Service providers.Any of these companies and many more can be given business loans with bad credit. First Choice partners with any company that is suffering due to bad credit and meets the minimal criteria set forth earlier.

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 accessible 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

Trying to Find A Dependable Loan Company of Bad Credit Business Loans

There are dishonest 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. Perform your due diligence, while you wade through the loan solutions that are readily available.Borrowers are sometimes declined because the wrong information is provided to lending institutions by the brokerage firm. A respectable brokerage house should have extensive knowledge of the industry, and it should know how to get businesses financed by the lenders available, and it should have a complete knowledge of the process.

You should also know that some brokerage houses could even syndicate deals, which can expand the total approval amounts. Also, a great broker should stop your deal from being submitted to multiple lenders. Deals that are sent in tandem like this can make your credit score take a downtrend even further. You do not want this to happen, primarily when a low credit score is why you are shopping for alternative lending in the first place. Selecting a highly regarded lending house like First Choice Business Capital will save you this heartache

If You Need A. Bad Credit Business Loan, Call Us Now

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity that you shouldn’t let go of. And don’t worry about collateral, because you don’t need it to obtain the loan. Call us right now or fill out the short online application to get the process started right now!

Call Now:      855-889-1990

First Choice Business Capital

 Modesto, CA, United States


Communities we serve: 

95355, 95350, 95356, 95354, 95351, 95358, 95357, 95368, 95397, 95319, 95352, 95353

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