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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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A Business Loan With Bad Credit – Is it Really Doable?

First Choice Business Capital can help you receive the bad credit business loans you want to keep your business in West Covina, CA, afloat, despite the fact that you have bad credit.At First Choice, we are aware of how annoying and discouraging it can be if you have a subpar credit score and if you’ve been getting declined from conventional banks for capital. That’s exactly why we have dedicated ourselves to making business-funding alternatives obtainable to all business enterprises regardless of a bad credit history.

Getting a Business Loan With Bad Credit, What Are The Facts?

You are very likely quite distressed and aggravated from being denied, but we can help. We pride ourselves in helping companies get the funds they need, regardless of what your credit history looks like, and we have many options that we can offer.Reasons for declined loans could be as straightforward as a company applying for a business loan with poor credit. Also, a company may have a court judgment against it, or there may be tax lien issues.

Being denied is disheartening, and many companies give up their hopes for a loan once the bank denies them. The core of every business is its working capital. When the economy tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more challenging. New requirements have cut access to capital for many firms and the companies affected by these are not large corporations, but those with under 50 employees.

This is quite the dilemma, yet it has opened the market up for alternative lending options. High-risk lenders like First Choice Business Capital can absolutely provide quick approvals and no-nonsense funding solutions. No matter what you may have heard, it is certain that there are options accessible for businesses other than conventional banks when credit is a problem.

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West Covina Bad Credit Business Loan Options

It is a shame that many people do not know their options. Uncollateralized loans are accessible to small, medium and large businesses with bad credit. Even with bad credit and no collateral, they can obtain loans. Less than perfect credit does not equal a denial. We provide business loans with poor credit. Business loans for awful credit are provided for all sorts of businesses in West Covina. Have a small business and need loans for bad credit? There’s nothing to it at all! First Choice not only provides a high approval procedure but a fast one, as well. We understand the dire need to obtain the working capital you need. We also realize that you need the money now, and pride ourselves in assisting you get funded as promptly as possible.

Business Cash Advances, Short-Term Loans and Unsecured Loans

A merchant cash advances such as this is also termed an MCA. Poor credit business loans are true lifesavers for those companies that have been turned down by banking institutions because of their credit score. No collateral is needed to qualify for a business cash advance, which makes it even easier to qualify for a loan if you’re a business with poor credit. We deliver customized business financing in all types of industries. We do not deliver start-up loans, so you must definitely have a business that has been functioning for a minimum of three months. Aside from that, we will need to see evidence that you deposited a minimum of eight thousand dollars each of the past three consecutive months.

Merchant Cash Advances Advantages

There are quite a handful of benefits to MCAs. For one, these loans are funded much more quickly than those from traditional banks. In fact, most of these loans are approved in 24 hours. You will not have to wait long for your money, either; most loans are financed less than four days after approval.You need to fill out a one page application and provide the last 6 months of your business bank statements. With this information, an approval will happen very quickly.

A merchant cash advance can be just what you need if you have been denied by your bank due to bad credit. These loans, which usually range from 4 to 18 months, have a fixed cost of capital. The payments are made daily or weekly from Monday through Friday. MCA loans have between 20-22 daily payments a month.


With What Types of Businesses Can We Coordinate?

A myriad of company niches can be offered short-term bad credit small business loans. At First Choice, we have helped almost every kind of company. The following is a smattering of the types of businesses we like to hear from: Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Pubs and Restaurants, Beauty Shops, Carpentry, Building and construction, Driveway and Parking Pavement, Gas Service Stations, General Building Contractors, Home Health Services, HVAC, Interior Decorators, Masonry and Stone, Pest Control, Rigging and Scaffolding, Tire Shops, Truck, Water Well Drilling, Wrecking and Demolition companies. Any of these companies and many more can enjoy business loans with bad credit. First Choice works 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 Partner?

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

Only Team up with Trusted Bad Credit Business Loan Brokers

It is important to exclusively deal with reputable suppliers when trying to get hold of bad credit small business loans. It may possibly be quite tricky working out which institution to choose, and they are numerous. You have to navigate carefully. Many times borrowers are inadvertently declined based on the broker having provided the wrong information to the lenders.

It is imperative that the brokerage firm have an in-depth understanding of the underwriting process. It really should know their lenders well and be able to guide the borrower through the process. You should also know that some brokerage houses could even syndicate deals, which can maximize the total approval amounts. Also, a great broker should stop your deal from being submitted to too many 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.

Call Us Immediately for your Bad Credit Business Loan Needs

It is not necessary for you to wait until your score improves to apply for a loan. Do you truly 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. Fill out the short online application or call us today!

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