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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

Getting a Business Loan in San Francisco, CA, with Bad Credit is Not Impossible!

If you are hoping to get a bad credit business loan in San Francisco, CA, First Choice Business Capital can help.Traditional banks often say no to funds to businesses that 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 business funding options available, such as cash advances, short-term loans and much more.

Getting a Business Loan with Bad Credit

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So, if you have been denied, you are in the majority. 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. Subpar credit is often cited in these cases. There could also be tax liens against the company, and court judgments can affect the outcome, too.

We all know that without working capital, a business will falter. Keeping the doors to a business open requires money. Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.” Since the economic wreck of 2008, it has become incredibly difficult for profitable businesses to get a bank loan. New policies have cut access to capital for many businesses. The ones affected are the small and medium-sized entities, those employing fewer than 50 workers.

This situation has opened the doors for new loan options from alternative lenders.There are solutions for business cash advances from organizations like First Choice Business Capital. We provide no-nonsense loans and offer a quick approval process. No matter what you may have heard, it is certain that there are other options available in the market for businesses, besides regular banks, when credit is a problem.

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Options Are Available in San Francisco for Bad Credit Business Loans

What nearly all businesses don’t realize is that unsecured, short-term loans are easily obtainable to them! Uncollateralized loans are available to small, medium and large businesses with bad credit. Loans are available in the market, even with no collateral and bad credit. In fact, business loans for bad credit are available for all types of businesses. First Choice Business Capital basically funds loans within 24 hours. Yes, just 1 day! Small business loans bad credit? Nothing to it at all! First Choice not only boasts a high approval process but a swift 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 helping you get financed as promptly as possible.Having trouble getting small business loans bad credit – really? Yes, you’re really not dreaming! You don’t need the money next week. You need it now.

Unsecured Loans, Short-Term Loans & Business Cash Advances

Alternative lending, such as these, are often referred to as a merchant cash advance, or MCA. When a traditional bank turns down a loan, these can supply the money required to stay functioning. Since collateral is not mandated for a business cash advance, it is easier than ever to qualify. This makes the approval procedure easy, too. We only require that your business has been operable for three months minimum and that you transfer between 8 to 10 thousand dollars monthly.

Merchant Cash Advances Perks

There are many advantages to applying for a merchant cash advance. One of the biggest perks about these types of loans is that, as spoken about previously, it delivers exceptionally fast funding compared to that of a traditional bank. Many times, a business can have its approval in only one business day.The approval rate of these loans is humongous compared to typical bank loans as well. We can proudly claim an approval rate of over 90 percent, which shows that you have much better chances of being approved than at a bank!

You will not have to wait long for your cash once approved, because these loans are often paid out in less than four business days, which is much faster than a bank. 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 fast. These loans are considered short-term business loans and have a fixed cost of capital. They usually are paid within four months to a year and a half.Loan payments can be made every business day. With an MCA, there are usually 20-22 payments each month.


We Collaborate with All Types of Companies

Short-term business loans bad credit can be acquired by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. The list below is a sprinkling of the types of businesses we like to hear from: Automotive/Mechanic Repair Shops, Wrecking and Demolition, Car or truck Body Repair and Painting, Water Well Drilling, Bars and Restaurants, Trucking, Beauty Shops, Tire Shops, Carpentry, Rigging and Scaffolding, Construction, Pest Control, Driveway and Parking Pavement, Brickwork and Stone, Gasoline Service Stations, Interior Decorators, General Building Contractors and Home Health Companies. These business sectors and more are qualified for 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!

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

Merchant cash advances are provided to business entities 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.

Only Team Up with Respectable Bad Credit Business Loan Brokers

When trying to get bad credit small business loans, be positive that you are working with a reliable broker. Perform your due diligence while you wade through the loan options that are available. It is unfortunate when a borrower is declined as a result of an agent providing erroneous information and facts to a lender. Reputable brokers know lending and the underwriting system well. They recognize what it requires to get business capital.

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 broker houses could even syndicate offers, which can expand the total approval amounts. Also, a good broker should stop your deal from being submitted to multiple lenders. Deals that are shopped to a wide range of lenders can literally hurt the borrower’s credit score, which is why it is essential that you work with an alternative lending company like First Choice Business Capital for your business loans when you’re credit rating is below stellar.

Got Bad Credit Business Loan Needs? Call Us!

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity. Keep your personal belongings — you don’t have to worry about not having enough collateral. You can get this process started right now by filling out the simple form. It is available online, or if you prefer to discuss your options, you can call us today!

Call Now:      855-889-1990

First Choice Business Capital

 San Francisco, CA, United States


Communities we serve: 

San FranciscoAlamedaBerkeleyDaly City,  FremontHaywardNovatoOaklandPleasantonRichmondSan LeandroSan MateoSan RafaelSan RamonSouth San FranciscoUnion CityWalnut CreekAntiochBrentwoodConcordLivermoreMilpitasPalo AltoPittsburgVallejo

94080, 94083

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