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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

You Can Get a Business Loan with Bad Credit in Santa Clara, CA

Bad credit business loans are not a fallacy. At First Choice Business Capital, we can help you get the cash you need in Santa Clara, CA. Traditional banks often refuse 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 can have many business funding options available, such as cash advances, short-term loans and much more.

The Facts About Getting a Business Loan with Low Credit

The majority of companies today do not qualify for bank loans. In fact, studies have shown that only 30 percent of businesses would get approved!Banks deny loans for many reasons. Reasons for declined loans could be as basic as a company applying for a business loan with poor credit. A company may have a court judgment against them, or there may be tax lien issues.

Once a business is denied a loan, it often gives up all hope for funding. Getting denied is demoralizing, because the core of every business is its capital. When the market tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more challenging. Regulations enacted after that time have cut accessibility to capital for a considerable amount of establishments. The fact is, it is not the large corporations suffering the brunt of these new laws. This applies for small and medium size companies with 50 or fewer employees.

Alternate loan companies have stepped in to help solve this dilemma, because there are options for business cash advances from institutions like First Choice Business Capital. We provide no-nonsense loans and offer a quick approval process.

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Santa Clara, CA, Bad Credit Business Loan Options

Most companies are not alerted to many of the solutions easily available to them. Even unsecured, short-term business loans bad credit are possible. Unsecured, short-term loan options do exist for companies in your position! Loans are available in the market, even with no collateral and negative credit. Less than perfect credit does not equal a denial. We deliver business loans with poor credit.First Choice Business Capital usually funds loans within 24 hours. Yes, just one day! It is true that you can get bad credit business loans fast. With First Choice Business Capital, you can generally acquire financing within just one day! Yup! When a business needs working capital, it needs it now. First Choice acknowledges this need and offers simple approvals.

Business Cash Advances, Short-Term Loans and Unsecured Loans

Alternate lending such as this is often referred to as a merchant cash advance, or MCA. Poor credit business loans are a true lifesaver for those companies that have been turned down by banking institutions because of their credit score. If you’re a business with horrible credit, you don’t need to have collateral. This makes the approval process even easier! If you have deposited in between 8 and -10 thousand dollars each and every month for the last three months, and have been in business for at least that amount of time, we can assist you!

Merchant Cash Advantage Perks

Applying for a merchant cash advance absolutely has its perks. There are quite a few advantages to MCAs. A top example of one of these benefits is how quickly a merchant cash advance is financed. Where traditional banks can take a long time, an MCA can possibly 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 monumental, compared to typical bank loans as well. Believe it or not, over 90 percent of them are approved!

You will not have to wait long for your money, either; most loans are financed less than four days immediately after approval. The application is only one page. The last six months of banking statements will need to be provided. A merchant cash advance is a great solution for companies that need cash in a flash. When your business is stalling due to 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 to 18 months. The payments are made daily or weekly. Daily payment loans are Monday through Friday. MCA loans have between 20-22 daily payments a month.


We Consult with Many Businesses

A vast array of businesses qualify for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. Here are just a few we have worked with: Development, Electrical contractors, Painting, Carpentry, Roofer, Plumbing, HEating and Air, Brickwork & Stone, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Truck, 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 Professionals. Business loans with bad credit can be had by these companies and many more. First Choice consults with any company that is suffering due to bad credit and meets the minimal criteria set forth earlier.

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!

What States Do We Assist?

Merchant cash advances are available 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 Consult with Credible Bad Credit Business Loan Brokers

For companies with below average credit looking to get a bad credit small business loans, always check the reputation of the agent. There are plenty of different lending institutions, so you have to navigate carefully. It is unfortunate when a borrower is declined due to an agent providing inaccurate data to a lender.

Professional brokerages understand the underwriting process. They have extensive know-how about the lenders at their disposal. You should also know that some broker houses could even syndicate offers, which can increase the total approval amounts. Also, a good broker should stop your deal getting submitted to multiple lenders. Deals that are submitted in tandem like this can make your credit score take a nosedive even further. You do not want this to happen, specifically when a low credit score is why you are shopping for alternative lending in the first place. Picking a trusted lending house like First Choice Business Capital will save you this heartache.

If You Need a Bad Credit Business Loan, Call Us Today

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity. Do not let it pass you by. And don’t worry about collateral – you don’t need it to obtain the loan. Change the direction of your business by getting in touch with us now!

Call Now:      855-889-1990

First Choice Business Capital

 Santa Clara, CA, United States


Communities we serve: 

95051, 95050, 95054, 95117, 94086, 94087, 95110, 95126, 95053, 95052, 95055, 95056

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