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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 If I Have Bad Credit?

 First Choice Business Capital can help you obtain the bad credit business loans you want to have to keep your business in San Rafael profitable, whether or not 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.

Obtaining a Business Loan with a Low Credit Score – The Facts!

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 their credit history looks like, and we have many solutions that we can provide. Poor credit alone is one of the prime reasons that banks deny business loans. A company could also have tax liens or judgments against it. Businesses with bad credit more often than not give up after they are declined for a bank loan.

The core of every business is its working capital. It is the foundation on which to keep operating.Regulations established after the crash in 2008 have cut access to capital for a considerable amount of institutions. The fact is, it is not the large corporations suffering the brunt of these new laws. The ones impacted are the small and medium-sized entities, those employing fewer than 50 workers.

This is quite the dilemma, yet it has opened the market up for alternate lending options. At First Choice Capital, we are skilled in high-risk funding for those businesses that are affected by these regulations. Lending options for businesses with bad credit are not just a pipe dream, because with alternative lending possibilities available, it is a basic fact.

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Bad Credit Business Loan Options

It is a shame that many people do not know their options. But the good news is, they really exist — and the best part is, they are unsecured! That’s right, you can get business loans with bad credit.These business loans for bad credit are not just for certain types of companies, either. We service many different types in San Rafael. First Choice Business Capital generally funds loans within 24 hours. Yes, just 1 day! First Choice knows that businesses in need require money now, so we pride ourselves on a high approval percentage that occurs quite quickly.

Short-Term Loans, Unsecured Loans & Business Cash Advances

These types of offerings are known as merchant cash advances (MCAs). These poor credit business loans are sometimes the only factor standing between a company continuing to be open or closing for good. These poor credit business loans are great for the majority of businesses that just can’t get traditional financing due to their bad credit history. If you’re a business with bad credit, you don’t need to have collateral. This makes the approval procedure even easier! If you have deposited within 8 and 10 thousand dollars every month for the last three months, and have been in service for at least that amount of time, we can assist you!

The Benefits of Merchant Cash Advances

MCAs offer many advantages to all kinds of companies like yours. One of the biggest perks about these types of loans is that, as mentioned earlier, it provides extremely fast funds compared to that of a traditional bank. Approximately 90 percent of these loans are approved. And finally, these loans are generally funded in 48-96 hours after approval.The process for a loan approval is very uncomplicated, since only a one-page, easy application is needed. Plus, you will also need to provide bank statements from the last six months. This is everything that is needed to get you approved quickly.

These loans are most ideal for those that need a bad credit loan fast. A short-term business loan in the form of a merchant cash advance is very likely just what you need. These loans, which usually range from four to 18 months, have a fixed cost of capital. An MCA can be paid possibly by the day or week. The payments are made daily or weekly. Daily loan payment are Monday through Friday. MCA loans have between 20-22 daily payments a month.


With What Businesses Can We Consult?

Short-term business loans bad credit are accessible to a wide variety of businesses. Small, medium and large businesses qualify for unsecured short-term loans. The following specialized niches are just some of the businesses we work with: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, Heating and Cooling, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Automotive Body Repair and Painting, Home Health Services, Interior Decorators, Pest Control, Pubs and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. There are a lot more company specific niches that can be serviced with business loans with bad credit. First Choice can help any business that meets the qualifying criteria 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!

States We Can Serve to Help!

Merchant cash advances are also provided 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.

Trusted Bad Credit Business Loan Companies

When a business with bad credit is looking for a merchant cash advance loan or bad credit small business loan, it is better to work with a trusted representative. Not all of them will have your best interest at heart. It is unfortunate when a borrower is declined as a result of an agent providing erroneous details to a lender.

Really good brokers know lending and the underwriting system well. They know what it requires to get business financing. The amount of the credit could also be raised if the brokerage house knows how to syndicate the transaction. You do not want your broker submitting your application to a lot of lenders, though. Choosing a respectable alternative finance company goes a long way in making sure this does not occur. First Choice Business Capital knows this, and would refrain from doing anything to tarnish our client’s credit further.

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

It takes a long time for your credit score to improve. Why lie in 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. It is a simple, one-page application. Fill it out online or call us today!

Call Now:      855-889-1990

First Choice Business Capital

 San Rafael, CA, United States


Communities we serve: 

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

94901, 94903, 94912, 94913, 94915

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