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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

You Can Get a Business Loan with Bad Credit in Whittier, CA

Are you searching for bad credit business loans in Whittier, CA? If you want an instantaneous and hassle-free option, First Choice Business Capital can assist you today! Here at First Choice, we understand the pain and aggravation caused by being denied loans from traditional banks.

Get a Business Loan with Bad Credit – What to Look Out For?

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you find yourself in the majority.We pride ourselves in really helping companies get the funds they need, regardless of what your credit history looks like, and we have many options that we can make available.Loans are denied all of the time for many reasons. Unsatisfactory credit is often cited in these cases, but a company could also have tax liens or judgments against it. Businesses with bad credit frequently give up after they are declined for a bank loan.

Capital is at the heart of every single business, and a business must have working capital in order to stay profitable. Since the market crash of 2008, it has become very difficult for profitable businesses to get a bank loan.Regulations established after that time have cut access to capital for a considerable amount of establishments. The sad thing is, the large corporations are not the ones suffering the brunt of these new laws. The ones affected are the small and medium-sized entities, those employing less than 50 workers.

However, alternative loan providers have stepped in to help solve this dilemma.
If you are interested in a financing process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funding you need, faster than you ever thought possible.

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Whittier, CA, Bad Credit Business Loan Options

It is a shame that many individuals do not know their options. Uncollateralized loans are accessible 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 specialty! In fact, business loans for bad credit are available for all types of businesses and that’s not fiction, it’s truth. What’s even better is that you can get bad credit business loans fast. Some alternative finance companies, such as First Choice Business Capital, can typically fund you within just 24 hours. Some alternative finance companies offer bad credit business loans fast, like First Choice Business Capital, which is glad to offer loans in just 24 hours in many cases. Are you desperately seeking small business loans low credit? Yup! When a business needs working capital, it needs that capital now. First Choice recognizes this need and offers fast approvals.

Short-Term Loans, Unsecured Loans & Business Cash Advances

A merchant cash advances like this is also termed an MCA. When conservative options do not work, due to lack of good credit, a poor credit business loan can be an amazing business opportunity for a company in dire need of cash. If you’re a business with horrible credit, you don’t need to have collateral. We supply customized business financing in all types of industries. The only criteria we need is for your business to be older than three months and that you repeatedly deposit at least eight thousand dollars every month.

Merchant Cash Advances Advantages

Merchant Cash Advances offer many advantages and positive aspects to all kinds of companies, including those like yours. One of the biggest perks of these types of loans is that, as touched on earlier, they provide incredibly fast funds compared to that of a traditional bank. You can be approved for this type of loan in only one day. The process for a loan approval is very simple. A one-page, easy application and bank statements from the last six months are the only things you need to begin the approval process and to get you approved quickly. These loans are most suitable for those who need a bad credit loan fast. When your business is slowing down 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 daily or weekly. Daily payment loans are Monday through Friday. MCA loans have between 20-22 daily payments a month.


With What Sort of Businesses Can We Partner?

All sorts of companies can get short-term business loans bad credit. First Choice loves to help all kinds of companies. The following industries are just some of the businesses with which we work: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, HVAC, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Automotive Body Repair and Painting, Home Health Services, Interior Decorators, Pest Control, Nightclubs and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. Business loans with bad credit can be had by these companies and many more. If you meet the criteria we talked about previously, First Capital can work with you.

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!

What States Do We Assist?

Merchant cash advances are 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.

Seeking out a Respectable Loan Company of Bad Credit Business Loans

There are unethical companies in this industry, preying on those looking for subpar credit business loans. Given this, it is imperative to ensure that you only deal with reputable brokers. Not all them will have your best interest at heart. Borrowers have inadvertently been declined in the past due to erroneous information being given by intermediaries to their lender of choice. A good brokerage understands the underwriting process. It has extensive knowledge about the lenders at its disposal. Those lenders that can syndicate the deals may even grow loan amounts. You do not want your broker submitting your application to a ton of lenders. Deals that are shopped to numerous lenders can literally hurt the borrower’s credit score, which is why it is imperative that you work with an alternate lending company like First Choice Business Capital for your business loans when you’re credit rating is below stellar.

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

There is no need to hesitate for your credit score to make improvements to apply for a business loan. Keep your personal belongings.You don’t have to worry about not having enough collateral. Fill out the short online application or call us right now!

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