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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 Possible?

If you are trying to get a bad credit business loan in Union City, First Choice Business Capital can help. At First Choice, we realize how annoying and infuriating it can be if you have a low credit score and you’ve been repeatedly declined for capital from conventional banks.That’s why we have committed ourselves to making business-funding choices available to all business organizations, regardless of a bad credit history.

Business Loans with Bad Credit, What’s the Reality?

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!Businesses with bad credit are denied for loans more often than not. Poor credit alone is one of the major reasons that banks deny business loans, but companies may also have a judgment or lien. Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.”

A business must have capital in order to stay afloat. It is the bedrock on which to keep operating.Regulations enacted after the crash of 2008 have cut accessibility to capital for a considerable amount of companies. The sad thing is, it is not the large corporations suffering the brunt of these new laws. The companies affected are the ones with under 50 employees. This situation is a burden to those needing funding, but it has opened the doors for alternative lenders to step in to provide much-needed solutions.

If you are interested in a loan process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the finances you need, faster than you ever thought possible. We even offer 24-hour approvals! It really is true that businesses with subprime credit can get the amount of money they may need. When traditional routes fail, back-up financial institutions can deliver assistance.

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Union City Bad Credit Business Loan Options

It’s possible that you are one of the businesses that are not aware that short-term loan possibilities are out there. Uncollateralized loans are easily available to small, medium and large businesses with bad credit. That’s right, you can get business loans with weak credit. Less than excellent credit does not equal a denial. We provide those business loans with poor credit. Many different types of companies can get business loans for bad credit with the options we offer. And First Choice Business Capital is pleased to offer loans in just 24 hours in many cases.First Choice knows that businesses in need require finances now, so we pride ourselves on a high approval percentage that occurs quite quickly.

Business Cash Advances, Short-Term Loans and Unsecured Loans

This type of offerings is known as a merchant cash advance or MCA. These poor credit business loans are sometimes the only thing standing between a company staying open or closing for good. Poor credit business loans are a true lifesaver for those companies that have been turned down by banking establishments because of their credit score.If you’re a business with poor credit, you don’t need to have collateral. There are financing options for all sorts of companies; so no matter what business sector you are in, we can help. If you have deposited between 8 and 10 thousand dollars every month for the last three months and have been functional for at least that amount of time, we can really help you!

Merchant Cash Advantage Perks

MCAs offer many different benefits to all kinds of companies like yours. A big advantage of this type of loan is that it can be funded in a fraction of the time of a traditional banking loan. You can be approved for this type of loan in only one day. We can proudly claim an approval rate of over 90 percent, which says you have much better chances of being approved than at a bank! You will not have to wait long for your cash once approved either. These loans are usually paid out in less than four business days, which is much faster than a bank.

A one-page application and bank statements from the last six months are required. This is everything that is needed to get you approved quickly. A merchant cash advance is a great solution for companies that need cash fast. When your business is slowing as a result 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 to 18 months. Repayments can be made either daily or weekly. Loan payments made daily are Monday through Friday. Merchant cash advances in most cases have anywhere between 20 and 22 payments each month.


Some Businesses We Team Up with

A large range of businesses qualifies for short-term business loans bad credit. Merchant cash advance companies like to work with all sorts. The list below is a smattering of the types of businesses we like to hear from: Home Health Professionals, HVAC, 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, Pubs and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. There are more specific niches that can be serviced with business loans with bad credit. We can work with any business that has bad credit and meets our minimum criteria.

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

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

Work Only with Reliable Bad Credit Business Lenders!

There are dishonest companies in this industry, preying on those looking for bad credit small business loans. Because of this, it is essential to ensure that you only deal with reputable brokers. There are countless lending institutions, so you have to navigate carefully. There are also times when borrowers are turned down because the brokers provide the wrong information to potential lenders A respectable brokerage house should have extensive knowledge of the industry. It should know exactly how to get businesses financed by the lenders available to them, and they should have an extensive knowledge of the process.

Brokers may also be able to syndicate deals, meaning more funding for your company. That being said, you want to confirm your loan application is not shopped around. When your credit rating is below average, the last thing you really want is it being lowered even further because of your broker’s activities. Choosing a trustworthy alternate finance company goes a long way in making sure this does not occur. First Choice Business Capital knows this, and would not do anything to mess up our client’s credit further.

If You Need a Bad Credit Business Loan, Call Us Right Now

There is no need to hold everything for your credit score to escalate to apply for a business loan. You do not need to put up your personal possessions as collateral, and you do not need good credit. This is a business opportunity that is just way too good to pass up. It is a simple, one-page application. Fill it out online or call us today.

Call Now:      855-889-1990

First Choice Business Capital

 Union City, CA, United States


Communities we serve: 

San FranciscoAlamedaBerkeleyDaly City,  FremontHaywardNovatoOaklandPleasantonRichmondSan LeandroSan MateoSan RafaelSan RamonSouth San FranciscoUnion CityWalnut CreekAntiochBrentwoodConcordLivermoreMilpitasPalo AltoPittsburgVallejo


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