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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!

      Quick

      • Simple 2-minute application
      • Approval within 24-hours
      • Funding within days
      • No Start Ups!

      Easy

      • We work with many industries
      • You pay no upfront fees
      • Your bad credit is ok
      • Must Be In Business 3 Months Min.

      Reliable

      • 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 looking to get a business loan in Lake Charles, LA, for bad credit First Choice Business Capital can help. We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is below average.

      Getting Bad Credit Business Loans – Do You Need One?

      In fact, studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you may find yourself in the majority. 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. Furthermore, reasons for declined loans could be as straightforward as a company applying for a business loan with lousy credit. Also, a company may have a court judgment against them, or there may be tax lien issues.

      Getting denied is frustrating, and many companies give up their hopes for a loan once the bank denies them. The core of every business is its capital, because a business clearly cannot keep its doors open without a cash flow. Ever since the economy collapsed in 2008, it has become extremely tricky for companies to secure loans. From that time on, gaining access to capital has become a challenge due to new regulations.The ones affected are the small and medium-sized entities, those employing less than 50 workers.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 solutions.

      If you are interested in a loan solution that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funds you need, faster than you ever thought possible.So despite of what you may have heard, it is certainly real and not just a myth that businesses with bad credit can quite easily get the financing they need by leveraging the various alternative-lending opportunities available to them.

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      Bad Credit Business Loan Options

      Most companies are not acutely aware of the choices accessible to them. Even unsecured short-term business loans when their credit is problematic are entirely possible. But the good news is, they really are – and the best part is, they are unsecured! To put it another way, loans are easily available, even with no collateral and terrible credit. Not to mention, you can get approved for the business loans with unsatisfactory credit you need, as soon as tomorrow. Some alternative lenders offer insufficient credit business loans fast, like First Choice Business Capital, which is happy to offer loans in just 24 hours in many cases. Are you trying to find small business loans, but bad credit is holding you back? First Choice understands this. We take pride in helping you solve your financial crisis as quickly as possible, and we boast a high approval rate as well.

      Business Cash Advances, Short-Term Loans and Unsecured Loans

      Merchant cash advances or MCAs are a form of alternative lending, or MCAs. When conservative options do not work due to lack of good credit, these insolvent credit business loans can be a great business opportunity for a company in dire need of cash. If you’re a business with bad credit, you don’t need to have collateral. This makes the approval procedure even easier! The only criteria we need is for your business to be older than three months and that you typically deposit at least eight thousand dollars every month.

      What Are the Positive Aspects of Merchant Cash Advances?

      Merchant cash advances offer many benefits to all kinds of companies. 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. It’s estimated that 90 percent of these loans are approved. You will not need to wait long for your money, either; most loans are financed less than four days shortly after approval. The procedure to get approved is easy, too. The application form is only one page and have your business’s last six months of bank statements ready, too. We can work to approve your loan application when this important information is provided.

      A merchant cash advance can be merely what you need if you have been declined by your bank as a result of poor credit. These loans are considered short-term business loans. The loans have a fixed cost of capital and they are usually paid back within four months to a year and a half. 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.

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      We Collaborate with All Types of Companies

      A myriad of company niches can get accepted for short-term business loans meager credit. At First Choice, we have assisted almost every kind of company. There are a large range of businesses that merchant cash advance companies like to work with. Some of the most common niches include: Automotive/Mechanic Repair service Shops, Auto Body Repair and Painting, Pubs and Restaurants, Beauty Shops, Carpentry, 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 and more. These are just a few markets that are suited for business loans with unsatisfactory 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!

      Are You in One of These States? We Can Help!

      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.

      Seeking out a Trustworthy Lender of Low Credit Business Loans

      Moreover, it is vital to simply deal with reputable suppliers when trying to get credit deficient small business loans. Furthermore, it could be quite tricky determining which institution to go with, and there are lots around. Unfortunately, not every one of them will have your best interest at heart. Lots of times lenders get the wrong information about borrowers which results in loan rejections. Generally speaking, respected brokers know loans and the underwriting process well and they understand what it requires to get business finances.

      Not to mention, a brokerage house could raise the amount of the credit if they know how to syndicate the transaction. Also, they will want to ensure the brokerage firm is not presenting your deal to a wide variety of lending institutions. Of course, a borrower’s credit score can be negatively affected when the application is shopped around to multiple lenders. Choosing a good alternate financial company goes a long way in making sure this does not occur. First Choice Business Capital knows this, and would refrain from doing anything to sabotage our client’s credit further.

      Call Us Immediately for your Bad Credit Business Loan Needs

      You do not have to wait until after your credit score is better to get a 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

       Lake Charles, LA, United States

      855-889-1990

      Communities we serve: 

      Baton RougeKennerMetairie, New OrleansLafayetteLake CharlesShreveportBossier City

      70601, 70605, 70607, 70615, 70611, 70629, 70669, 70609, 70602, 70606, 70612, 70616

      Touch to Call!