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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

How to Get a Business Loan with Bad Credit in Ramon, CA?

Bad credit business loans are not a fabrication. At First Choice Business Capital, we can help you get the loan you need in San Ramon.We have many finance options available for companies, regardless of a bad credit history. The approval process is fast as well, 24 hours in most cases!

Getting a Business Loan with Bad Credit – Here Are The Facts!

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you find yourself in the majority.Businesses with bad credit are denied for loans more often than not. Bad credit can be the main reason for many, but a company may have a court judgment against it, or there may be tax lien issues. We all know that without capital, a business will fail. Keeping the doors to a business open demands cash, since it is the bedrock on which to keep operating.

New requirements have cut access to capital for many businesses. They apply to small and medium-sized entities. This means that those operations with under 50 employees are the ones affected. Fortunately, alternative finance companies have stepped in to help solve this dilemma. There are options for business cash advances from financial institutions like First Choice Business Capital. We provide no-nonsense financing and offer a quick approval process.

So, despite of what you may have heard, it is undeniably legitimate, and not just a myth, that businesses with bad credit can readily get the financing they need, by leveraging the various alternative-lending possibilities available to them.

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Options Are Available in San Ramon for Bad Credit Business Loans

Unsecured short-term loans are readily available to businesses just like yours! It could be that you are uneasy because you have no collateral and poor credit. Even with bad credit and no collateral, businesses can obtain loans. In fact, business loans for bad credit are available for all types of businesses and that’s not fiction, it’s reality. First Choice Business Capital can not only offer you the finance you need, but provide bad credit business loans fast. Many times, financing occurs in only 24 hours. You will be putting that money to work a lot quicker than you ever thought possible! Still looking for small business loans, even though you have horrible 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.

Business Cash Advances, Short-Term Loans and Unsecured Loans

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 staying open or closing for good. Poor credit business loans are true lifesavers for those companies that have been turned down by banking organizations because of their credit scores. No collateral is needed to qualify for a business cash advance, which makes it perhaps even easier to qualify for a loan if you’re a business with horrible credit. We provide lending for a myriad of industries as well, so it is very likely we would be able to assist you. We only require that your business has been operational for three months minimum and that you transfer between 8 and10 thousand dollars monthly.

Merchant Cash Advances Advantages

There are many advantages to applying for a merchant cash advance. A key example of one of these advantages is how quickly a merchant cash advance is financed. Where traditional banks can take a long time, an MCA can be approved and paid in only a fraction of the time. 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. Believe it or not, we can proudly claim an approval rate of over 90 percent, which says you have much better chances of being approved than at a bank! You will not have to wait long for your cash once approved. These loans are typically 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 supplied. We can work to approve your loan application when this data is provided. A merchant cash advance can be simply what you need if you have been rejected by your bank as a result of poor credit. An MCA is a short-term business loan that can get you operating again. These loans are generally paid back in fewer than 18 months, some as little as four 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.


What Kind of Businesses Can We Work with?

Short-term business loans bad credit are offered to a myriad of company niches. At First Choice, we have worked with almost every kind of company. Merchant cash advance companies like to work with a large variety of businesses. Some of the most common niches include: Construction, Electrical contractors, Painting, Carpentry, Roofing, Plumbing contractor, Air Conditioning, Brickwork and Stone, Driveway and Parking Pavement, Water Well Drilling, Wrecking and Demolitions, General Building Contractors, Trucking, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffolding, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Tire Shops, Beauty Shops, Pest Control, and Home Health Services. These are just a some markets 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 issues 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!

States Where We Work

Merchant cash advances are available to business organizations 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.

Only Team Up with Reliable Bad Credit Business Loan Brokers

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

It is unfortunate when a borrower is declined because a broker provided inaccurate details to a lender. Respectable brokerages understand the underwriting process. They have substantial knowledge about the lenders at their disposal. Those lenders that can syndicate the deals may even intensify loan amounts. But you do not want your broker submitting your application to a number of lenders. Deals that are submitted in tandem like that can make your credit score take a plunge even further. You do not want this to happen, particularly when a low credit score is why you are shopping for alternative lending in the first place.

If You Need a Bad Credit Business Loan, Call Us Without Delay

There is no need to wait for your credit score to increase to apply for a business loan. 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. 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 Ramon, CA, United States


Communities we serve: 

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


94582, 94583

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