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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

A Business Loan With Bad Credit San Clemente, CA – Is it Really Doable?

Poor credit business loans really do exist. At First Choice Business Capital, we can help you get the amount of money you are in need of in San Clemente, CA. We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is poor.

Checking Out Business Loans For Bad Credit

If you feel you are alone in this circumstance, 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.Businesses with bad credit get denied for loans more often than not. Bad credit can be the main reason for many denials.Banks deny loans to companies with bad credit for a vast range of reasons. It is true that one of the main reasons that denials occur is just simply when a business has bad credit.

Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.”A business must have capital in order to stay profitable. When a company does not have easily access to cash, they are not going to be able to stay in business for long. In 2008, the market dropped, and ever since even those companies that are successful have had a hard time securing bank loans. New regulations implemented after the economic crash has made acquiring capital near impossible.

To complicate matters, these regulations apply to “Mom and Pop” type operations that have less than 50 employees. While this is a step in the wrong direction, it has opened up a new market for those specializing in alternative funding options. High-risk lenders like First Choice Business Capital are able to provide quick approvals and no-nonsense funding solutions. By making use of the different money options available, it is true that a business with bad credit can get funding.

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Options Are Available in San Clemente, CA for Bad Credit Business Loans

It’s possible that you are one of the businesses that are not aware that short-term loan services are offered. But the good news is, they actually are – and the best part is, they are unsecured! Loans are available in the market, even with no collateral and negative credit. Less than excellent credit does not equal a denial. We deliver business loans with poor credit. First Choice Business Capital can not only provide you the funding you need but provide bad credit business loans fast. Many times, backing occurs in only 24 hours. You will be putting that money to work even faster than you ever thought achievable! First Choice not only has a high approval procedure but an immediate 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 promptly as possible.

Business Cash Advances, Short-Term Loans and Unsecured Loans

Merchant cash advances such as this are also termed an MCA. Small business loans bad credit are a true lifesaver for those companies that have been turned down by banking establishments because of their credit score. Since collateral is not required for a business cash advance, it is easier than ever to qualify. We offer custom funding for businesses in all types of industries. If you have deposited in between 8-10 thousand dollars each and every month for the last three months, and have been in service for at least that amount of time, we can really help you!

Merchant Cash Advantage Perks

There are quite a couple of advantages to MCAs. Merchant cash advances offer many perks to all kinds of companies. A big advantage of this type of loan is that it can be funded in a fraction of the time compared to a traditional banking loan. We can proudly claim an approval rate of over 90 percent, which says you have better chances of being approved than at a bank! You will not have to wait long for your cash once approved. These loans are frequently paid out in less than four business days, which is much faster than a bank. You will also need to provide bank statements from the last six months. This is everything that you need to get your loan approved quickly.

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 as a result of a lack of cash flow, this short-term business loan can get you the money you seriously need. These loans have a fixed capital cost and run from 4-18 months. 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 Coordinate with All Types of Companies

All sorts of companies can get short term business loans bad credit. First Choice loves to help all kinds of companies. The list below is a sprinkling of the types of businesses we want to hear from: Automotive/Mechanic Maintenance and repair Shops, Auto Body Repair and Painting, Pubs and Restaurants, Beauty Shops, Carpentry, Development, Driveway and Parking Pavement, Fuel 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 niches and more are suited for business loans with bad credit. First Choice can help any business that meets the requirements and has credit woes.

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 readily available 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.

Working With a Trusted Agent of Poor Credit Business Loan

It is necessary to simply work with reputable companies when trying to secure bad credit small business loans. It might be quite challenging deciding which institution to go with, and there are numerous. Not every one of them will have your best interest at heart. It is unfortunate when a borrower is declined just because an agent provided erroneous relevant information to a lender.

A highly regarded brokerage understands the underwriting process and they have considerable know-how about the lenders at their disposal. Brokers may also be able to syndicate deals, meaning more funding for your company. That being said, you want to be sure your loan application is not shopped around. When your credit rating is substandard, the very last thing you want is it being lowered even more because of your broker’s activities. You really want to choose a respectable company like First Choice Business Capital to make certain that this does not happen.

Got Bad Credit Business Loan Needs? Call Us!

Why wait for your score to get better? There are no concerns 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 submitted online right now, and brokers are anticipating your call. Change the direction of your business by consulting with us now!

Call Now:      855-889-1990

First Choice Business Capital

 San Clemente, 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

92672, 92673, 92624, 92675, 92674

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