• Questions? Call 855-889-1990

Are You A Business 
Owner That Needs  
Funding Fast?

Get Pre-Approved Instantly!

Apply Now For A Free
No Obligation Pre-Approval!

Get Pre-Approved in just 5 Seconds!

Congratulations, You’ve Been

Enter Your Details below to see how much you qualify for:

Sorry, We Need More Details Before We Can Approve You

Enter Your Details Below To Explore Finance Options Your Business May Qualify For

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

You Can Get a Business Loan with Bad Credit.

If you need to get a bad credit business loan in Newport Beach, CA, First Choice Business Capital can help. We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is substandard.

Business Loans with Bad Credit, Truth or Fiction?

If you think you are alone in this dilemma, you may be surprised to know that you are not. Recent studies have even shown that less than a third of businesses could be approved for a loan from a traditional banking institution.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. Since only 30 percent of businesses qualify for a bank loan, that means you are not alone!

Denial by banks may cite bad credit, but a company may have a court judgment against it or there may be tax lien issues. Once a business gets denied for a loan, it often gives up all hope for funding.A business must have capital in order to stay afloat. When a company does not have easy access to cash, it is not going to be able to stay in business long at all.

In 2008, the economy caved in, and since then even those companies that are making money have had a hard time securing bank loans. Regulations enacted after that time have cut availability to capital for a considerable amount of establishments. Sadly, it is not the large corporations suffering the brunt of these new laws. The companies affected by the most by the regs are 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. Lending options for businesses with bad credit is not just a pipe dream. No matter what you may have heard, it is certain that there are other options readily available for businesses beyond standard banks when credit is an issue.

Featured on graphic

Bad Credit Business Loan Options in Newport Beach

Most companies are not aware of the choices readily available to them. Even unsecured short-term business loans bad credit are possible. Yes, they absolutely are and no collateral might be the best part. Yes, you can get business loans with bad credit. Business loans for bad credit are our field of concentration! Furthermore, you can get bad credit business loans fast and that’s no fabrication. First Choice Business Capital generally funds loans within 24 hours. Yes, just one day! 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 this. We take pride in helping you solve your financial dilemma as quickly as possible, and we boast a high approval rate as well.

Short-Term Loans, Unsecured Loans & Business Cash Advances

These types of offerings are known as a merchant cash advances (MCAs). These poor credit business loans are sometimes the only thing standing between a company continuing to be open or closing for good. For companies that have been turned down for a business loan by a bank, these particular poor credit business loans offer an amazing opportunity to get funding. MCA loan options are even easier to qualify for since no collateral is involved. There are funding options for all sorts of companies; so no matter what niche you are in, we can help. We only require that your business has been in service for three months minimum and that you transfer between 8-10 thousand dollars monthly.

The benefits of Merchant Cash Advances

Merchant cash advances offer many benefits to all kinds of companies like yours. A key example of one of these advantages is how quickly a merchant cash advance is financed. Where traditional banks can take a long time, an MCA could be approved and paid in only a fraction of the time. Many times, a business can have its approval in only one business day.The approval rate of these loans is massive, compared to typical bank loans, as well. Believe it or not, the approval rate for these loans is incredible. In fact, over 90 percent of applications are approved! The best part? The moment approved, you will have the cash you need within 48-96 hours.

You do not have to go through a time-consuming loan process, either. Fill out a one-page application and provide the last six months of your business bank statements. With this information, an approval can be granted very quickly. When a business needs a poor credit loan fast, a merchant cash advance is the ideal type of business loan it should seek. Merchant cash advances are short-term business loans. They normally run from 4-18 months and these loans have a fixed cost of capital. Payments can be made either daily or weekly. Payment loans made daily are Monday through Friday. Merchant cash advances in most cases have in between 20 and 22 payments each month.


We Deal with Many Businesses

Short-term business loans bad credit can be approved by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. Here is a sampling of the types of companies we deal with: Building and construction, Electrical contractors, Painting, Carpentry, Roofing, Plumbing, Heating and Air Conditioner, Masonry & Stone, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Truck, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffold, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Professionals. These marketplaces and more are entitled to 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 available in the market to business organizations 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.

Choosing a Dependable Lender of Bad Credit Business Loans

There are unscrupulous companies in this industry, preying on those looking for bad credit small business loans. Considering this, it is vital to ensure that you only deal with reputable brokers. There are many different lending institutions, so 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.

A highly regarded brokerage understands the underwriting process. They have considerable know-how about the lenders at their disposal. When brokerage houses can syndicate, they may have the ability to secure even more money on the loan. 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 nosedive 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. Picking a trusted lending house like First Choice Business Capital will save you this heartache.

Got Bad Credit Business Loan Needs? Call Us!

It is not necessary for you to stall until your score improves to apply for a loan. Do you actually want to let this opportunity pass you by? You do not need to put up your personal things as collateral, and you do not need good credit. This is a business opportunity that is just way too good to pass up. It is a simple, one-page application. Fill it out online or call us today!

Call Now:      855-889-1990

Touch to Call!