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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

You Can Get a Business Loan with Bad Credit

First Choice Business Capital concentrates on providing fast and hassle-free bad credit business loans in Richmond for all kinds of businesses with bad credit. We know how nerve-racking and discouraging it can be if you have a subpar credit score and you’ve been repeatedly declined from old-school banks for funding. That’s exactly why we have committed ourselves to making business-funding alternatives readily available to all enterprises regardless of a bad credit history.

Getting a Business Loan with Bad Credit, What’s the Honest Truth?

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you find yourself in the majority. Banks deny loans for many reasons. Reasons for declined loans could be as straightforward as a company applying for a business loan with poor credit. There may also be other contributing factors at play, such as a tax lien against the company or a court judgment.

Without proper availability to cash, most businesses couldn’t keep their doors open for very long. In 2008, the economic climate crumbled, and, since then, even those companies that are profitable have had a hard time securing bank loans. New regulations enforced after the economic crash has made securing capital near impossible. They apply to small and medium-sized entities. This means that those operations with no more than 50 employees are the ones affected.

This situation is a burden to those needing funding, but it has opened the doors for alternative loan companies to step in to provide much-needed services. Business cash advance and high-risk finance companies, such as First Choice Business Capital, are conveniently accessible to provide you with a quick no-nonsense financing approach and getting you quick approvals for your business loan. By making use of the alternative loan options available, it is true that a business with bad credit can get financing.

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Bad Credit Business Loan Options in Richmond

What almost all businesses don’t realize is that unsecured short-term loans are quite easily available to them! Uncollateralized loans are offered to small, medium and large businesses with bad credit. Loans are out there, even with no collateral and terrible credit. Less than perfect credit does not equal a denial. We deliver business loans with poor credit. First Choice Business Capital cannot only offer you the funds you need but provide bad credit business loans fast. Many times, financing occurs in only 24 hours. You will be putting that money to work much faster than you ever thought conceivable! 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 not only boasts a high approval procedure, but a simple one as well. We understand the dire need to obtain the working capital you need. We also realize that you need the money now, and pride ourselves in assisting you get funded as fast as possible.

Business Cash Advances, Unsecured Loans and Short-Term Loans

Alternate loans, such as these, are often referred to as merchant cash advances, or MCAs. For companies that have been turned down for a business loan by a bank, these poor credit business loans offer an amazing opportunity to get funding. No collateral is needed to qualify for a business cash advance, which makes it perhaps even easier to qualify for a loan if you’re a business with poor credit. We do not deliver start-up loans, so you must absolutely have a business that has been functioning for a minimum of three months. In addition to that, we will definitely need to see that you have deposited a minimum of eight thousand dollars each of the past three consecutive months.

Perks of Merchant Cash Advances

There are quite a few advantages to MCAs. A top example of one of these benefits is how quickly a merchant cash advance is financed. 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! More than 90% of all inquiries get a loan approval. Plus, loans are funded within 48-96 hrs. after a loan approval. The loan procedure is smooth, too. That’s because the application is only one page and the last six months of banking statements will need to be provided.

A merchant cash advance is an excellent solution for companies that need cash quickly. Merchant cash advances are short-term business loans. They usually run from 4-18 months and these loans have a fixed cost of capital. 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.


With What Kind of Businesses Can We Collaborate?

Short-term business loans bad credit are offered to a myriad of company niches. At First Choice, we have helped almost every kind of company. Here is a sampling of the types of companies we consult with: 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. There are more company markets that can be serviced with business loans with bad credit. As you discovered before, the application process is easy and the criteria 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!

Are You in One of These States? We Can Help!

Merchant cash advances are easily 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.

Work Only with Respectable Bad Credit Business Lenders!

It is necessary to simply deal with reputable suppliers when trying to get bad credit small business loans. It can be quite challenging to determine which institution to go with, and there are a large number. You have to navigate carefully. Oftentimes borrowers are accidentally declined based on providing the wrong information to the lenders. Respectable brokers know lending and the underwriting process well. They know what it requires to get business finances.

The amount of the credit could also be raised, if the brokerage house knows how to syndicate the transaction. You should also know that some brokerage houses could even syndicate offers, which can grow the total approval amounts. Also, a great broker should stop your deal getting submitted to multiple lenders. When an application is shopped around, it can damage your credit score even more. Choosing a trustworthy alternative lending organization like First Choice Business Capital will protect you from this

If You Are in Need of a Bad Credit Business Loan, Do Not Delay — Contact Us Today

It takes a long time for your credit score to improve. Why wait? 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. Fill out the short online application or call us today!

Call Now:      855-889-1990

First Choice Business Capital

 Richmond, CA, United States


Communities we serve: 

San Francisco AlamedaBerkeleyDaly City,  FremontHaywardNovatoOaklandPleasantonRichmondSan MateoSan RafaelSan RamonSouth San FranciscoUnion CityWalnut CreekAntiochBrentwoodConcordLivermoreMIlpitasPalo AltoPittsburgVallejo

94804, 94801, 94805, 94850, 94802, 94807, 94808

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