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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

Can I Get a Business Loan I Turlock, CA, If I Have Bad Credit?

First Choice Business Capital can help you attain the bad credit business loans you require to keep your business in Turlock, CA, afloat, despite the fact that you have bad credit. We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is below average.

Get a Business Loan with Horrible Credit

You are most likely quite distressed and annoyed from being denied, but we can help.Businesses with bad credit get denied for loans more often than not. Bad credit can be the main reason for many denials. Also, a company may have a court judgment against them, or there may be tax lien issues.

Working capital is at the heart of every business, since it is the basis on which any company keeps operating.There are new rules in place after the 2008 economic crash, that make the process even more challenging than it was before the collapse. They apply to small and medium-sized entities, so this means that those operations with under 50 employees are the ones affected.

This situation is a burden to those needing funding, but it has opened the doors for alternate loan providers to step in to provide much-needed services. If you are interested in a lending approach that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the cash you need, faster than you ever thought possible.

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Business Loan Options Bad Credit in Turlock,CA

It is a pity that many individuals do not know their options. Uncollateralized loans are offered to small, medium and large businesses with bad credit. Yes, you can get business loans with unsatisfactory credit. Business loans for bad credit are our area of expertise! In fact, business loans for bad credit are given for all sorts of businesses in Turlock. Are you in need of small business loans, but have bad credit? Don’t worry at all! First Choice knows that businesses in need require loans now, so we pride ourselves in a high approval percentage that occurs quite quickly.

Short-Term Loans, Unsecured Loans & Business Cash Advances

You may have heard of these types of alternate financing options, which are also called merchant cash advances or MCAs. Poor credit business loans are a true lifesaver for those companies that have been turned down by banking organizations because of their credit score. You do not even really need collateral in order to qualify for an MCA. We offer personalized business financing in all types of industries. The only criteria needed is that the business has been operating for at least 3 months and you’re depositing at the very least 8 to 10 thousand dollars consistently over the last 3 months.

Merchant Cash Advantage Perks

There are quite a handful of advantages to MCAs. One of the primary advantages of a loan of this sort is how quickly it is funded; it is remarkably fast in comparison to a loan from a bank. Many loans of this type are approved within as little as one day. We can proudly claim an approval rate of over 90 percent, which suggests 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 usually paid out in less than four business days, which is much faster than a bank.

The process to get approved is easy, too. The application form is only one page and have your business’ last six months of bank statements ready, too. A merchant cash advance is an ideal solution for companies that need cash quick. When your business is slowing because of 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 4-18 months. The payments are made throughout the day or week. Loan payments can be made from Monday through Friday. MCA loans have between 20-22 daily payments a month.


Some Businesses We Deal with

Short-term business loans bad credit can be secured by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. The following sectors are just some of the businesses we work with: Automotive/Mechanic Repair Shops, Wrecking and Demolition, Automobile Body Repair and Painting, Water Well Drilling, Taverns and Restaurants, Trucking, Beauty Shops, Tire Shops, Carpentry, Rigging and Scaffolding, Construction, Pest Control, Driveway and Parking Pavement, Brickwork and Stonework, Gasoline Service Stations, Interior Decorators, General Building Contractors and Home Health Companies.
Business loans with bad credit can be had by these companies and many more. First Choice can help any business that meets the requirements 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 In which We Do Business

Merchant cash advances are readily available to business entities 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.

Working with a Legitimate Broker of Bad Credit Business Loans

It is vital to exclusively work with reputable suppliers, when trying to acquire bad credit small business loans. It can possibly be quite challenging to determine with which institution to go, because there are many. You have to navigate carefully.It is unfortunate when a borrower is declined because of a broker providing incorrect information and facts to a lender. A respectable brokerage house should have extensive knowledge of the industry. It should know effective ways to get businesses financed by the lenders available. Also, it should have a comprehensive understanding of the process.

You should also know that some broker houses could even syndicate offers, which can grow the total approval amounts. A good broker should also 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, particularly when a low credit score is why you are shopping for alternative lending in the first place. Choosing a highly regarded lending house like First Choice Business Capital will save you this heartache.

Contact Us Today for Your Bad Credit Business Loan

It is not necessary for you to hold back until your score improves to apply for a loan. Do you really want to let this opportunity pass you by? Do not let it pass you by. And don’t worry about collateral — you don’t need it to obtain the loan. 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

 Turlock, CA, United States


Communities we serve: 

95382, 95380, 95316, 95381


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