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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 in Oceanside, CA?

Are you searching for bad credit business loans Oceanside, CA? If you want an immediate and hassle-free resolution, First Choice Business Capital can lend you a hand today! Here at First Choice, we understand the distress and aggravation that getting denied for loans from traditional banks can cause. We know that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

The Facts About Acquiring 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 get approved! Banks deny loans for many reasons such as tax liens against the company, and court judgements can affect the outcome too. Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.”

Working capital is the foundation on which a company operates. When the economic climate tanked in 2008, businesses suffered. Since then, getting a bank loan has become very difficult.From that time on, gaining access to capital has become a problem as a result of new regulations.

These regulations apply to small and medium-sized entities. This means that those companies with no more than 50 employees are the ones affected.This is quite the dilemma, yet it has opened the market up for alternate lending options.There are choices for business cash advances from companies like First Choice Business Capital. We provide practical loans and offer a quick approval process.

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Business Loan Options Bad Credit in Oceanside, CA

Most companies are not informed about the choices readily available to them. Even unsecured short-term business loans bad credit are plausible. Unsecured short-term loan options do exist for companies in your position! Even with bad credit and no collateral, businesses can acquire loans. You can get approved for the business loans with poor credit you need, as quickly as tomorrow. Business loans for bad credit are given for all sorts of businesses. It is also true that you can get bad credit business loans fast. With First Choice Business Capital, you can generally get financing within just one day! First Choice not only provides a high approval procedure but a fast one as well. We understand the dire need to obtain the working capital you need. We also know that you need the money now, and pride ourselves in assisting you get financed as rapidly as possible.

Short-Term Loans and Business Cash Advances

Merchant cash advances such as this are also referred to as an MCA. When a traditional bank turns down a loan, these can produce the money required to stay functioning. These alternative loan solutions are even easier to qualify for since no collateral is required. We offer custom lending for businesses in all types of industries. If you have deposited around 8 to 10 thousand dollars each month for the last three months, and have been in service for at least that amount of time, we can assist you!

Merchant Cash Advances Strengths

MCAs offer many advantages to all kinds of companies like yours. For one, these loans are funded much quicker than those from traditional banks. Actually, most of these loans are approved in 24 hours. You will not need to wait long for your money, either; most loans are financed less than four days soon after approval. You will also need to provide bank statements from the last six months. This is everything that is needed to get you approved quickly.

A merchant cash advance is a great solution for companies that need cash quick. 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. Payment options are flexible for these loans, and they can be paid either daily or weekly with the exception of Saturday and Sunday. Each month, there are customarily 20 to 22 payments for a merchant cash advance.


Some Businesses We Team Up with

Short term business loans bad credit can be acquired by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. The list below is a sprinkling of the types of businesses we want to hear from: Automotive/Mechanic Repair service Shops, Auto Body Repair and Painting, Pubs and Restaurants, Beauty Shops, Carpentry, Development, Driveway and Parking Pavement, Gas Service Stations, General Building Contractors, Home Health Professionals, HVAC, Interior Decorators, Brickwork and Stone, Pest Control, Rigging and Scaffolding, Tire Shops, Truck, Water Well Drilling, Wrecking and Demolition companies and more. These sectors and more are suited for business loans with bad credit. As you 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: 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.

Working With a Professional Finance Broker of Poor Credit Business Loans

It is critical to just work with reputable suppliers when trying to acquire bad credit small business loans. It may be quite challenging working out which institution to go with, and there are lots of them. Not all of them will have your best interest at heart. Borrowers have unintentionally been declined in the past due to erroneous information being given by intermediaries to their lender of choice.

A credible brokerage understands the underwriting process. They have considerable expertise about the lenders at their disposal. When brokerage houses can syndicate, they may have the capacity to secure more money on small business loans bad credit. What you do not want is for the broker to shop your deal around. It should not be submitted to many lenders. You really want to choose a trustworthy company like First Choice Business Capital to make sure that this does not happen.

If You Need a Bad Credit Business Loan, Call Us Immediately!

It is not important for you to hold back until your score improves to apply for a loan. Do you honestly want to let this opportunity pass you by? The straightforward application can be completed online right now, and our brokers are expecting your call. Change the direction of your business by getting in touch with us now!

Call Now:      855-889-1990

First Choice Business Capital

 Oceanside, CA, United States


Communities we serve: 

El CajonEscondido, Carlsbad, Chula Vista, Costa Mesa, Hemet, Indio, Irvine, Lake Elsinore, Murrieta, Oceanside, Palm Desert, Perris, San Clemente, San DiegoTemecula, Vista

92057, 92056, 92054, 92058, 92003, 92008, 92010, 92028, 92081, 92083, 92049, 92051, 92052

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