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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 in Santa Cruz, CA, with Bad Credit

First Choice Business Capital focuses on providing fast and convenient bad credit business loans in Santa Cruz, for all kinds of businesses with bad credit.At First Choice, we know how disturbing and depressing it can be if you have a bad credit score and you’ve been declined by old-school banks for funding. That’s exactly why we have dedicated ourselves to making business-funding choices attainable to all businesses regardless of a bad credit history.

Achieve a Business Loan with Awful Credit

Recent reports show, a big 70% of businesses don’t qualify for a bank loan.We pride ourselves in helping companies get the funds they need, regardless of what their credit history looks like, and we have many options that we can offer.Poor credit alone is one of the fundamental reasons that banks deny business loans. Companies may also have a judgment or lien.

We all know that without working capital, a business will break. Keeping the doors to a business open needs cash flow. It is the bedrock on which to keep operating. Once a bank turns down a loan, the business often gives up the search for funding. Still, there are other options. New regulations implemented after the economic crash of 2008 has made getting capital nearly impossible. They apply to small and medium-sized entities. This means that those companies with fewer than 50 employees are the ones affected. This situation has opened the doors for new types of loan options from alternative lenders.

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. By using the different funding options available, it is true that a business with bad credit can get financing.

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Business Loan Options Bad Credit in Santa Cruz, CA

It is a pity that many people do not know their options. Unsecured, short-term loan options do exist for companies in your position! That’s right, you can get business loans with subpar credit. Less than perfect credit does not equal a denial. We provide business loans with poor credit.First Choice Business Capital, in most cases, funds loans within 24 hours. Yes, just one day! Small business loans bad credit? No problem!Yup! When a business needs working capital, they need it now. First Choice understands this need and offers quick approvals.

Short-Term Loans, Unsecured Loans & Business Cash Advances

This kind of alternative lending is often referred to as a merchant cash advance, also known as an MCA. These poor credit business loans are amazing for the majority of businesses that just can’t get old-fashioned financing due to their bad credit history. 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 offer unique business financing in all types of industries. We only require that your business has been operational for three months minimum and that you transfer between 8 and 10 thousand dollars monthly.

What Are the Advantages of Merchant Cash Advances?

MCAs offer plenty of positive aspects to all kinds of companies like yours. One of the primary advantages of a loan of this sort is how quickly it is funded. It is extremely fast in comparison to a loan from a bank. An estimated 90 percent of these loans are approved and these loans are generally funded in 48-96 hours after approval.

You do not have to go through a prolonged loan process, either. After a one-page application, you will also need to provide bank statements from the last six months. This is everything that is needed to get you approved quickly. When a business needs a poor credit loan fast, a merchant cash advance is the ideal type of business loan it should seek out.

These loans are considered short-term business loans and have a fixed cost of capital. They usually are repaid within four months to a year and a half. The payments are made daily or weekly. Daily payment loans are Monday through Friday. MCA loans have between 20-22 daily payments a month.


Some Businesses We Coordinate with

Short-term business loans bad credit is on call to a diverse list of businesses. Small, medium and large business qualify for unsecured, short-term loans. The following is a smattering of the types of businesses we like to hear from: Home Health Services, Heating and Cooling, Interior Decorators, Masonry and Stonework, Pest Control, Rigging and Scaffolding, Tire Shops, Trucking, Water Well Drilling, Wrecking and Demolition companies, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Bars and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. These markets and more are suitable for business loans with bad credit. If you meet the criteria we pointed out previously, First Capital can work with you.

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 also accessible 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 Highly Regarded Bad Credit Business Loan Brokers

For companies with substandard credit looking to acquire a bad credit small business loans, always check the reputation of the agent. Not all them will have your best interest at heart. There are also times when borrowers are turned down because the brokers provide the wrong information to would-be lenders.

It is imperative that the brokerage firm has an in-depth understanding of the underwriting process. They must know their lenders well and have the opportunity to guide the borrower through the process. You should also know that some brokerage houses could even syndicate deals, which can raise the total approval amounts. Also, a good broker should stop your deal getting submitted to multiple lenders. Choosing a reputable alternate loaning company goes a long way in making sure this does not occur. First Choice Business Capital knows this, and would not do anything to damage our client’s credit further.

If You Are in Need of a Bad Credit Business Loan, Do Not Delay — Contact Us Today

Why wait for your score to get better? There are no fears about collateral. This is a tremendous opportunity for your business to get the funds you need, now instead of later. 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. Change the direction of your business by getting in touch with us today!

Call Now:      855-889-1990

First Choice Business Capital

 Santa Cruz, CA, United States


Communities we serve: 

95060, 95062, 95064, 95065, 95061, 95063

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