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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 Realistic?

      If you are trying to get a business loan Eagan, MN, but have bad credit? Don’t worry because First Choice Business Capital can help. At First Choice, we know how nerve-wracking and infuriating it can be if you have a poor credit score and you’ve been getting declined from old-school banks for capital. That’s exactly why we have dedicated ourselves to making business-funding alternatives available to all business enterprises regardless of a bad credit history.

      Who Can Get a Business Loan With Bad Credit?

      You may be stunned to learn that only 30 percent of businesses qualify for a bank loan – which means you are not alone! Getting denied is discouraging, and many companies surrender their hopes for a loan once the bank denies them. The core of every business is its working capital and a business clearly cannot keep its doors open without a cash flow.

      The economy collapsed in 2008, and ever since then, it has become exceptionally hard for companies to secure loans. Regulations put in force after that time have cut accessibility to capital for a significant amount of institutions. Unfortunately, it is not the large corporations suffering the brunt of these new laws.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 alternative lending institutions to step in to provide much-needed services.

      Business cash advance and high-risk loan companies such as First Choice Business Capital are readily available to provide you with a quick no-nonsense financing approach and getting you quick approvals for your business loan. No matter what you may have heard, it is certain that there are other options easily available for businesses apart from regular banks when credit is an issue.

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      Eagan, MN, Bad Credit Business Loan Options

      It’s possible that you are one of the businesses that are not aware that short-term loan alternatives are offered. Perhaps, you are worried because you have no collateral and poor credit; however there are still loans on call for your needs. Many different types of companies can get these business loans with the options we offer. It is also true that you can get low credit business loans very quickly. With First Choice Business Capital, you can ordinarily receive funding within just one day! We take pride in helping you solve your financial crisis as quickly as possible, and we possess a high approval rate as well.

      Short-Term Loans, Unsecured Loans & Business Cash Advances

      Merchant cash advances like these are also referred to as an MCA. For companies that have been turned down for a business loan by a bank, these types of business loans offer an amazing opportunity to get funding. If you’re a business with bad credit, you don’t need to have collateral. We deliver 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.

      What Are the Full Advantages of Merchant Cash Advances?

      Applying for a merchant cash advance most definitely has its perks. For one, these loans are funded much faster than those from traditional banks. Actually, most of these loans are approved in 24 hours. We can proudly claim an approval rate of over 90 percent, which shows you have much better chances of being approved than at a bank!

      You will not have to wait long for your cash once approved, because these loans are frequently paid out in less than four business days, which is much faster than a bank. The procedure to get approved is easy as well, since the application form is only one page. We only request that you have your business’s last six months of bank statements ready. A merchant cash advance is a great solution for companies that need cash quickly. Merchant cash advances are short-term business loans that normally run from 4-18 months and have a fixed cost of capital. Daily loan payments are every business day and with an MCA there are usually 20-22 payments each month.


      Some Businesses We Team Up with

      Short-term business loans when your credit is an issue are offered to a myriad of company niches. At First Choice, we have helped almost every kind of company. There is a variety of businesses that merchant cash advance companies like to work with. Some of the most common niches include: Home Health Services, Heating and Cooling, 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, Bars and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. These are just a number of sectors that are suitable for business loans with subpar credit. As you saw before, the application process is easy and the criteria minimal. If you have credit issues affecting your ability to obtain a loan, First Capital can help.

      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: Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming and Wisconsin.

      Work Only With Credible Bad Credit Business Lenders!

      When a business with bad credit is looking for a merchant cash advance loan or small business loans for insufficient credit, it is best to deal with a professional representative. Not every company in the business of lending subprime loans will have your best interest in mind, so it is best to perform due diligence. It is unfortunate when a borrower is declined as a result of a broker providing inaccurate details to a lender.

      A good brokerage house can get businesses funded by thoroughly understanding the underwriting process of the different lenders available to them. When brokerage houses can syndicate, they may have the chance to secure much more money on the loan. What you do not want is for the broker to shop your deal around and it should not be submitted to many lenders. Choosing a reputable alternate financing 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 harm our client’s credit further.

      Call Us Now for Your Bad Credit Business Loan Needs

      You do not have to wait until after your credit score is better to get a loan. More than that, you can keep your personal belongings, because you don’t have to worry about not having enough collateral. It is a simple, one-page application, so fill it out online or call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

       Eagan, MN, United States


      Communities we serve: 

      MinneapolisWoodburyBloomingtonBurnsvilleBrooklyn ParkMaple GroveMinnetonkaEden PrairieBlaineCoon RapidsPlymouthLakevilleApple ValleyEaganRochesterSt CloudDuluth

      55122, 55123, 55121, 55120

      Touch to Call!