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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 in Sacramento, CA, with Bad Credit

 First Choice Business Capital can help you get the bad credit business loans you want to keep your business in Sacramento, CA, making money, whether or not you have bad credit. At First Choice, we know how upsetting and bothersome it can be if you have a subpar credit score and you’ve been getting declined from typical banks for funding. That’s precisely why we have committed ourselves to making business-funding solutions readily obtainable to all businesses, regardless of a bad credit history.

Getting a Business Loan with Bad Credit

If you think you are alone in this plight, you may be surprised to know that you are not. Recent studies have even shown that under a third of businesses could be approved for a loan from a traditional banking institution.There are lots of reasons why businesses with bad credit get declined for a bank loan. Poor credit alone is one of the prime reasons that banks deny business loans. There could also be tax liens against the company, and court judgments can affect the outcome, too.

Capital is at the soul of each and every company. A business must have working capital in order to stay afloat. Since the economic wreck of 2008, it has become tremendously difficult for profitable businesses to get a bank loan. Regulations instituted after that time have cut accessibility to capital for a significant amount of institutions. Unfortunately, it is not the large corporations suffering the brunt of these new laws. They apply to small and medium-sized entities. This means that those companies 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 alternate finance companies to step in to provide much-needed solutions. Business cash advance and high-risk loan companies, such as First Choice Business Capital, are readily available to provide you with a quick, no-nonsense financing approach and getting you quick approvals for your business loan. We even offer 24-hour approvals! It really is true that businesses with subprime credit can get the funds they really need. When traditional routes fail, alternate finance companies can supply the assistance needed.

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Bad Credit Business Loan Options in Sacramento

It is a pity that many individuals do not know their bad credit business loans Sacramento options. Uncollateralized loans are easily available to small, medium and large size businesses with bad credit. There are still loans provided for your needs. You can get business loans with subpar credit. Less than excellent credit does not equal a denial. We provide business loans with poor credit. What’s even better is that you can get bad credit business loans fast — some alternate loan providers, such as First Choice Business Capital, can typically fund you within just 24 hours.Looking for small business loans bad credit? First Choice understands this. We take pride in helping you solve your financial emergency as quickly as possible, and we boast a high approval rate as well.

Short-Term Loans and Business Cash Advances

These types of offerings are known as a merchant cash advance, or an MCA. These poor credit business loans are sometimes the only thing standing between a company staying open or closing for good. When a traditional bank turns down a loan, these cash advances can give the money required to stay doing business.Qualifying for these alternative loan solutions is easy, since no collateral is required. This makes the approval process even easier! The only qualifications are that the business has been operating for at least three months and you’re depositing approximately 8 to 10 thousand dollars systematically over the last three months.

Perks of Merchant Cash Advances

MCAs offer a number of conveniences to all kinds of companies like yours. Applying for a merchant cash advance absolutely has its perks. One of the biggest perks about these types of loans is that, as stated already, they offer very fast loans, compared to that of a traditional bank. It’s estimated that 90 percent of these loans are approved. And finally, these loans are generally funded in 48 to 96 hours after approval.

The loan approval process is quick and easy as well. All you need to submit is a simple one-page application form. You should also be prepared to produce the last six months of business bank statements. With this material, we can work on approving you very fast. If you need a bad credit business loan quick, a merchant cash advance could be just the solution you are looking for. When your business is halting caused by a lack of cash flow, this short-term business loan can get you the money you desperately need. These loans have a fixed capital cost and run from 4 to 18 months. The payments are made daily or weekly. Daily payment loans are made Monday through Friday. MCA loans have between 20-22 daily payments a month.


What Sort of Businesses Can We Help?

A large variety of businesses qualifies for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. Here are just a few we have worked with: Home Health Services, Heating and Air, 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 many more company specialized niches that can be serviced with 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!

States Where We Work

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.

Trusted Bad Credit Business Loans Company

There are unethical companies in this industry, preying on those looking for bad credit small business loans. Considering this, it is essential to ensure that you only deal with reputable brokers. You should be careful, as maneuvering through all the different lending institutions can be a little bit tricky.

It is unfortunate when a borrower is declined because of an agent providing inaccurate data to a lender. Reputable brokers know financial institutions and the underwriting process well. They understand what it requires to get business funding. You should also know that some broker houses could even syndicate deals, which can increase the total approval amounts. Also, a good 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 institution like First Choice Business Capital will protect you from this.

Get in Touch with Us Right Now for Your Bad Credit Business Loan

There is no need to hold everything for your credit score to improve to apply for bad credit business loans Sacramento. Do not let it pass you by. And don’t worry about collateral – you don’t need it to obtain the loan. Change the direction of your business by calling us right now!

Call Now:      855-889-1990

First Choice Business Capital

 Sacramento, CA, United States


Communities we serve: 

DavisElk GroveFairfieldFolsomNapaRancho Cordova, RocklinRosevilleSacramento, VacavilleWoodland

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