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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 Rancho Cordova, CA?

First Choice Business Capital concentrates on providing fast and easy bad credit business loans in Rancho Cordova, CA for all kinds of businesses with bad credit.Traditional banks often say no to accessible funds when businesses do not have good credit, which causes much frustration to the owners. We understand your pain. Regardless of a bad credit history, we have many short term business loans bad credit options available, such as cash advances, short-term loans and much more.

The Facts About Getting Business Loans For Bad Credit

You are likely quite stressed and aggravated from being denied, but we can help. 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. Loans are denied all of the time, and this can occur for many reasons. Imperfect credit is often cited in these cases.

Banks deny loans to companies with bad credit for a wide variety of reasons. It is true that one of the main reasons that denials occur is simply when a business has bad credit.Working capital is at the core of pretty much every business. When a company does not have accessibility to cash, they are not going to be able to stay in business for very long. In 2008, the market crashed, and since then even those companies that are profitable have had a hard time securing bank loans.There are new regulations in place as well that make the process even more challenging than it was before the collapse.

The entities affected by these are not large corporations, but those with under 50 employees.This situation is a burden to those needing funding, but it has opened the doors for alternate lenders to step in to provide much-needed services.If you are interested in small business loans bad credit process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the cash you need, faster than you ever thought possible. With alternative lending possibilities available, many opportunities are attainable for you and your business.

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Bad Credit Business Loan Options in Rancho Cordova, CA

Most companies are not aware of the choices readily available to them. Even unsecured short-term business loans bad credit are possible. Small, medium and even large companies can qualify for uncollateralized loans. Even with bad credit, it is likely to get approved right now. Just because you have less than perfect credit does not equal a denial. We promise that our team can deliver business loans with poor credit. First Choice Business Capital generally funds bad credit business loans fast. We guarantee loans within 24 hours. Yes, just one day!So, you want a small business loan, but have bad credit? No problem. You don’t have to dream it, you can actually get a business loan not next week, but today! First Choice understands that when businesses are looking for working capital, they usually need it as quickly as possible, which is why we pride ourselves on getting fast approvals with an extremely high percentage approval record for businesses that apply for a business loan.

Business Cash Advances, Short-Term Loans and Unsecured Loans

Alternate lending such as these are often referred to as a merchant cash advance, or MCA. When a conventional bank turns down a loan, these can offer the money required to stay functioning. These alternative loan solutions are even easier to qualify for since no collateral is required. We provide loans for a variety of industries as well, so it is absolutely likely we would be able to assist you. We do not deliver start-up loans, so you must absolutely have a business that has been functioning for a minimum of three months. Besides that, we have to see that you deposit at least eight thousand dollars for each past three successive months.

Positive Aspects Of Merchant Cash Advances

MCAs offer many perks to all kinds of companies like yours. A big advantage 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 their approval in only one business day. The approval rate of these loans is gigantic 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 basic application is everything that is needed and the last six months of banking statements will need to be supplied. A merchant cash advance is an excellent solution for companies that need cash quickly.These loans are generally paid back in fewer than 18 months, some as little as four months. There is also a fixed cost of capital. You can make your payments everyday or weekly. Daily payment loans are each business day. With an MCA, there are usually 20-22 payments each month.


What Sort of Businesses Can We Team Up With?

Short-term business loans bad credit can be secured by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. Here are just a few we have worked with: Development, Electrical contractors, Painting, Carpentry, Roofer, Plumbing related, HVAC, Brickwork & 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 Scaffold, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. These marketplaces and more are qualified for business loans with bad credit. As you discovered before, the application process is easy and the criteria is minimal. If you have credit difficulties 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!

What States Do We Partner With?

Merchant cash advances are available to business entities 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.

Working With a Reputable Broker of Bad Credit Business Loans

When a business with bad credit is looking for a merchant cash advance loan or bad credit small business loans, it is better to deal with a highly regarded professional. Not every one of them will have your best interest at heart.Sometimes borrowers unintentionally provide the wrong information to their lenders. A good brokerage house can get businesses funded by getting their clients to thoroughly understand the underwriting process of the different lenders available to them.

Also, when brokerage houses can syndicate, they may have the capacity to secure additional 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. You really want to choose a legit company like First Choice Business Capital to be certain that this does not happen.

Call Us Now for your Bad Credit Business Loan Needs

Why wait for your score to get better? There are no concerns about collateral. This is a tremendous opportunity for your business to get poor credit business loans you need now, instead of later. The quick and easy application can be completed online right now, and operators are expecting your call. It is a simple, one-page application. Fill it out online or call us today!

Call Now:      855-889-1990


First Choice Business Capital

 Rancho Cordova, CA, United States


Communities we serve: 

DavisElk GroveFairfieldFolsomNapaRancho Cordova, RocklinRosevilleSacramentoVacaville, Woodland

95670, 95827, 95742, 95655, 95683, 95741

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