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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”

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How To Get a Business Loan with Bad Credit in Santa Monica, CA?

Bad credit business loans are not a fabrication. At First Choice Business Capital, we can help you get the funds you require in Santa Monica, CA. We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks

Getting a Business Loan with Bad Credit – Here’s More About It

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 helping companies get the funds they need, regardless of what your credit history looks like, and we have many alternatives that we can offer. Poor credit alone is one of the leading reasons that banks deny business loans, but a company may have a court judgment against it, or there may be tax lien issues.

Working capital is at the heart of pretty much every business and we all know that without capital, a business will stagger. A business certainly cannot keep its doors open without a cash flow. The economy collapsed in 2008, and ever since then, it has become extremely hard for companies to secure loans. New regulations enforced after the economic crash have made acquiring capital nearly impossible. These rules apply to small and medium-sized entities, so this means that those operations with fewer than 50 employees are the ones affected.

This problem has opened the doors for new loan options from alternative lenders. Such lenders, like First Choice Business Capital, have options for business cash advances. We provide practical financing and offer a quick approval process.No matter what you may have heard, it is certain that there are other options attainable for businesses beyond regular banks when credit is a problem.

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Santa Monica Business Loan Options Bad Credit

Perhaps you are one of the businesses unaware that short-term loan solutions are offered. Small, medium and even large companies can qualify for uncollateralized loans. Even with bad credit, it is possible to get approval immediately, at least as fast as tomorrow. Yes, loans are available in the market, even with no collateral and terrible credit. Many different types of companies can get business loans for bad credit with the options we offer. It is also true that you can get bad credit business loans fast. As we have said, with First Choice Business Capital, you can ordinarily acquire financing within just one day! First Choice knows that businesses in need require capital now, so we pride ourselves on a high approval percentage that occurs quite quickly.

Unsecured Loans, Short-Term Loans & Business Cash Advances

These types of offerings are known as a merchant cash advance (MCA). These poor credit business loans are sometimes the only factor standing between a company continuing to be open or closing for good. For companies that have been turned down for a business loan by a bank, these types of poor credit business loans offer an amazing opportunity to get funding. Since collateral is not required for a business cash advance, it is easier than ever to qualify. We offer custom loans for businesses in all types of industries. We only require that your business has been in business for three months minimum and that you transfer between 8 to 10 thousand dollars monthly.

Merchant Cash Advantage Perks

MCAs offer plenty of advantages to all types of companies like yours. A top 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 could be approved and paid in only a fraction of the time. A large number of loans of this type are approved within as little as one day.The loan process is simple and easy, too. All you have to complete is one simple page. You will also need to provide bank statements from the last six months. We can work to approve your loan application when this relevant information is provided.

A merchant cash advance can be just what you need if you have been declined by your bank due to damaging credit. These loans are considered short-term business loans. The loans have a fixed cost of capital and are usually paid back within four months to a year and a half. Payment options are flexible for these loans, and they can be paid either daily or weekly. Daily loan payments are made on Monday through Friday, excluding Saturday and Sunday. Each month, there are customarily 20 to 22 payments for a merchant cash advance.


What Sort of Businesses Can We Team Up with?

A wide range of businesses qualifies for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. Here is a sampling of the types of companies we deal with: Home Health Services, Cooling and heating, 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. There are various other company industries 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 Partner with

If your business is in one of the following states, we may be able to help you with a cash advance:Merchant cash advances are offered 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 Dependable Bad Credit Business Loan Brokers

It is necessary to only work with reputable providers when trying to get bad credit small business loans. It might be quite challenging deciding which institution to choose, and there are many. Perform your due diligence while you wade through the loan possibilities that are available. Borrowers have accidentally been declined in the past due to erroneous information being given by intermediaries to their lender of choice. A respectable brokerage house should have extensive knowledge of the industry. They should know the best way to get businesses funded by the lenders available to them, and have an in-depth knowledge of the process.

You will also want to ensure the brokerage firm is not introducing your deal to a wide variety of lending institutions. A borrower’s credit score can be negatively impacted when the application is shopped around to multiple lenders. Offering an application to too many lenders can drive the score down even further. Choosing a trustworthy alternative lending organization like First Choice Business Capital will protect you from this.

Call Us without Delay for your Bad Credit Business Loan Needs

Why wait for your score to get better? There are no worries about collateral. This is a tremendous opportunity for your business to get the funds you need, now, instead of later. Do not let it pass you by. And remember, 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 today!

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