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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

A Business Loan with Bad Credit – Is it Really Feasible?

If you are in the Torrance, CA, and are aiming to get a bad credit business loan, First Choice Business Capital can help.Traditional banks often reject loan applications from 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 have many business funding options available, such as cash advances, short-term loans and much more.

Business Loans When Your Credit is Bad – The Truth

Recent studies show, a whopping 70% of businesses don’t qualify for a bank loan. Banks deny loans for many reasons. It could be as simple as a company applying for a business loan with poor credit. Once a bank turns down a loan, the business often gives up the search for funds. Nonetheless, there are other options. Without proper availability to cash most businesses couldn’t keep their doors open for very long.

In 2008, the economic situation collapsed, and since then, even those companies that are making money have had a hard time securing bank loans.New regulations have cut access to capital for many businesses.The ones affected are the small and medium-sized entities, those employing fewer than 50 workers. This situation has opened the doors for new types of loan options from alternative lenders.

Business cash advance and high-risk lending institutions such as First Choice Business Capital are conveniently available to provide you with a quick, no-nonsense financing approach and getting you fast approvals for your business loan. No matter what you may have heard, it is certain that there are other options for businesses besides traditional banks when credit is a problem.

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Business Loan Bad Credit Options in Torrance

Perhaps you are one of the businesses that are unaware that short-term loan alternatives are available. Yes, you can get business loans with subpar credit, because business loans for bad credit are our area of expertise! These business loans for bad credit are not just for certain types of companies, either. Business loans for bad credit are given for all sorts of businesses in Torrance, CA. First Choice Business Capital is pleased to offer loans in just 24 hours in many cases.

Short-Term Loans, Unsecured 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 remaining open or closing for good. When a traditional bank turns down a loan application, MCAs can provide the money required to stay running. Since collateral is not required for a business cash advance, it is easier than ever to qualify. This makes the approval process even easier! If you have deposited about 8-10 thousand dollars each month for the last three months and have been functional for at least that amount of time, we can help you !

Positive Aspects of Merchant Cash Advances

MCAs have quite a number of advantages for all types of companies like yours. For one, these loans are funded much faster than those from traditional banks. Actually, most of these loans are approved in 24 hours. The loan procedure is smooth, too. All you need to submit is a one-page application and the last 6 months of your business bank statements. With this information, an approval can be given very quickly.

When a business needs a bad credit loan fast, a merchant cash advance is the perfect type of business loan. Merchant cash advances are short-term business loans. They commonly run from 4-18 months and have a fixed cost of capital. 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.


We Team up with Many Businesses

A large variety of businesses qualify 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 with whom we partner: Automotive/Mechanic Maintenance and repair Shops, Auto Body Repair and Painting, Pubs and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Fuel Service Stations, General Building Contractors, Home Health Companies, HVAC, Interior Decorators, Brickwork and Stone, Pest Control, Rigging and Scaffolding, Tire Shops, Trucking, Water Well Drilling, Wrecking and Demolition companies and more. There are a lot more company areas that can be serviced with business loans with bad credit. First Choice collaborates with any company that is suffering due to bad credit and meets the minimum 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!

With What States Do We Consult?

If your business is in one of the following states, we may be able to help you with a cash advance: 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.

Picking a Trusted Financial institution of Bad Credit Business Loans

There are unethical companies in this industry, preying on those looking for bad credit small business loans. Because of this, it is necessary to ensure that you only deal with reputable brokers. Not all of them will have your best interest at heart. Many times borrowers are inadvertently declined based on providing the wrong information to the lenders. A reputable brokerage understands the underwriting process. They have extensive know-how about the lenders at their disposal. 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 detrimentally influenced when the application is shopped around to multiple lenders. When an application is shopped around, it can damage your credit score even more. Choosing a trustworthy alternative lending establishment like First Choice Business Capital will protect you from this.

Got Bad Credit Business Loan Needs? Call Us!

You do not have to wait until after your credit score is better to get a loan. This is a business opportunity. You don’t need to let any business opportunity pass you by, and you don’t have to turn over your personal belongings or property to use as collateral for a loan. Change the direction of your business by getting in touch with us today!

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