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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 in Salinas, CA, If I Have Bad Credit?

 First Choice Business Capital can help you attain the bad credit business loans you need to get to keep your business in Salinas, CA, afloat, despite the fact that you have bad credit.
We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

The Facts about Getting 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 be approved! We pride ourselves in assisting companies to get the funds they need, regardless of what your credit history looks like, and we have many solutions that we can provide.Working capital is the foundation on which a company operates, and banks deny loans to companies with bad credit for a wide array of reasons. It is true that one of the main reasons that denials occur is simply when a business has bad credit.

Since the financial collapse of 2008, it has become extremely difficult for profitable businesses to get a bank loan. New regulations enforced after the economic crash has made getting capital nearly impossible.The entities affected by these rules 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 lending institutions to step in to provide much-needed programs.

High-risk lenders like First Choice Business Capital can absolutely provide quick approvals and no-nonsense funding solutions. So, despite of what you may have heard, it is positively accurate that businesses with bad credit can easily get the loans they need by leveraging the various alternative-lending opportunities available to them.

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Bad Credit Business Loan Options in Salinas

What almost all businesses don’t know is that unsecured, short-term loans are quite easily obtainable to them! There are still loans on call for your needs. That is completely correct. You can get hold of business loans with bad credit. Furthermore, you can get bad credit business loans fast. First Choice Business Capital typically 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 that when business are looking for working capital, they commonly need as quickly as possible, which is why we pride ourselves on getting easy approvals with an incredibly high percentage approval history for businesses that apply for a business loan.

Short-Term Loans, Unsecured Loans & Business Cash Advances

Merchant cash advances like this are also termed an MCA. When a traditional bank turns down a loan, these can give the money required to stay running. If you’re a business with poor credit, you don’t need to have collateral. We supply unique business financing in all types of industries. The only requirements needed is that the business has been operating for at least 3 months and you’re depositing at least 8-10 thousand dollars regularly over the last 3 months.

What Are the Full advantages of Merchant Cash Advances?

Applying for a merchant cash advance definitely has its perks. For one, these loans are funded much more quickly than those from traditional banks. A large number of loans of this type are approved within as little as one day. You will not need to wait long for your money, either; most loans are financed less than four days just after approval.

The procedure to get approved is easy, too. The application form is only one page. Have your business’s last six months of bank statements ready also. With this relevant information, we can work on approving you very fast.

If you need a bad credit business loan promptly, a merchant cash advance could be just the solution you are looking for. A short-term business loan in the form of a merchant cash advance is most likely just what you need. These loans, which usually run from four to 18 months, have a fixed cost of capital.

An MCA can be paid either by the day or week. 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.


We Deal with All Types of Companies

Short-term business loans bad credit are offered to a myriad of company niches. At First Choice, we have assisted almost every kind of company. The list below is a smattering of the types of businesses we want to hear from: Home Health Services, Cooling and Heating, 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. These are just an only a few business sectors that are eligible for business loans with bad credit.As you saw before, the application process is easy and the criteria minimal. If you have credit challenges 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!

We Partner with All Types of Companies

Short-term business loans bad credit is available in the market to a vast array of businesses. Small, medium and large businesses qualify for unsecured short-term loans. There is a wide range of businesses that merchant cash advance companies like to work with. Some of the most common niches include: Construction, Electrical contractors, Painting, Carpentry, Roof repair, Plumbing, Cooling and Heating, 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 & Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers.These are just a few industries that are eligible for business loans with bad credit. As you saw before, the application process is easy and the criteria minimal. If you have credit challenges affecting your ability to obtain a loan, First Capital can help.

Only Deal with Trusted Bad Credit Business Loan Brokers

For companies with below average credit looking to receive a bad credit small business loans, always check the reputation of the agent. Perform your due diligence while you wade through the loan options that are available.

Borrowers are sometimes declined because the wrong information is provided to financial institutions by the brokerage firm. It is important that the brokerage firm has an in-depth understanding of the underwriting process. It should know its lenders well and have the ability to guide the borrower through the process

You should also know that some brokerage houses could even syndicate offers, which can expand the total approval amounts. Also, a good broker should stop your deal getting submitted to multiple lenders. You want to choose a respectable company like First Choice Business Capital to guarantee this does not happen.

Call Now for Your Bad Credit Business Loan

Why wait for your score to get better? There are no fears about collateral. This is a tremendous opportunity for your business to get the funds you need, now instead of later. The straightforward application can be filled out online right now, and brokers are expecting for your call. Fill out the short online application or call us now!

Call Now:      855-889-1990

First Choice Business Capital

 Salinas, CA, United States


Communities we serve: 

93905, 93906, 93901, 93907, 93908, 93902, 93912, 93915

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