• Questions? Call 877-235-0672

Are You A Business 
Owner That Needs  
Funding Fast?

Get Pre-Approved Instantly!

Apply Now For A Free
No Obligation Pre-Approval!

Get Pre-Approved in just 5 Seconds!

Congratulations, You’ve Been

Enter Your Details below to see how much you qualify for:

    Sorry, We Need More Details Before We Can Approve You

    Enter Your Details Below To Explore Finance Options Your Business May Qualify For

      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

      Can I Get a Business Loan If I Have Bad Credit?

      At First Choice Business Capital, we can help you get the money you need to get in Eden Prairie, MN, even though you have some credit issues. We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

      What Are The Facts About Business Loans with Low Credit?

      If you believe you are alone in this plight, you may be surprised to know that you are not. Recent studies have even shown that less than a third of businesses could be approved for a loan from a traditional banking institution.We pride ourselves in assisting companies get the funds they need regardless of what your credit history looks like, and we have many options that we can deliver.

      Bad credit can be the main reason for many denials and a company may have a court judgment against them, or there may be tax lien issues.A business must have capital in order to stay afloat, and ever since the market crash of 2008, it has become remarkably difficult for profitable businesses to get a bank loan.There are new policies in place as well that make the task even more challenging than it was before the collapse. The ones impacted are the small and medium-sized entities, those employing less than 50 workers.

      This is quite the dilemma, yet it has opened the market up for different lending options.If you are interested in a lending solution 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.

      Featured on graphic

      Bad Credit Business Loan Options

      What almost businesses don’t realize is that unsecured short-term loans are readily attainable to them! Loans are available in the market, even with no collateral and terrible credit. In fact, business loans for insufficient credit are available for all types of businesses and that’s not fiction, it’s honest truth. What’s even better is that you can get these business loans fast– some alternate financial institutions such as First Choice Business Capital can typically fund you within just 24 hours. Do you require a small business loan, although bad credit is making getting a loan very difficult? First Choice not only has a high approval process but an easy 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 helping you get funded as quickly as possible.

      Business Cash Advances, Unsecured Loans and Short-Term Loans

      These types of offerings are known as a merchant cash advance (MCA). These business loans are sometimes the only factor standing between a company continuing to be open or closing for good. For companies that have been turned down for a business loan by a bank, these low credit business loans offer an amazing opportunity to get funding. You do not even need collateral in order to qualify for an MCA. This makes the approval procedure even easier! The only rules needed is that the business has been operating for at least 3 months and you’re depositing approximately 8-10 thousand dollars systematically over the last 3 months.

      Perks of Merchant Cash Advances

      Applying for a merchant cash advance undoubtedly has its perks. For one, these loans are funded much more quickly than those from traditional banks. As a matter of fact, most of these loans are approved in 24 hours.The approval rate of these loans is huge compared to typical bank loans as well. Believe it or not, over 90 percent of them are approved!

      The process for a loan approval is very straightforward. A one page simple application is everything that is needed. Also, the last 6 months of your business bank statements. With this information, an approval can be signed off on very quickly, because with this data, we can work on approving you very fast. If you need a bad credit business loan promptly, a merchant cash advance could be just the solution you are looking for. These loans are considered short-term business loans and have a fixed cost of capital. They are usually paid within four months to a year and a half. The payments are made daily or weekly from Monday to Friday. Also, MCA loans have between 20-22 daily payments a month.


      We Partner with All Types of Companies

      Short-term business loans for substandard credit is offered to a myriad of company niches. At First Choice, we have assisted almost every kind of company. Here are just a few we have worked with: Automotive/Mechanic Repair Shops, Wrecking and Demolition, Car or truck Body Repair and Painting, Water Well Drilling, Nightclubs and Restaurants, Trucking, Beauty Shops, Tire Shops, Carpentry, Rigging and Scaffolding, Construction, Pest Control, Driveway and Parking Pavement, Brickwork and Stone, Gasoline Service Stations, Interior Decorators, General Building Contractors and Home Health Professionals. These are just only a few business sectors that are qualified to apply for business loans for subpar credit. First Choice can help any business that meets the requirements and has credit woes.

      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 Deal with?

      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.

      Reliable Low Credit Business Loan Company

      When a business with bad credit is looking for a merchant cash advance loan or bad credit small business loans, it is better to work with a highly regarded representative. You should be careful, as browsing through all the different lending institutions can be a little tricky. Borrowers have accidentally been declined in the past due to erroneous information being given by intermediaries to their lender of choice.

      A respectable brokerage house should have extensive knowledge of the industry, because they should know exactly how to get businesses funded by the lenders available to them, and they should have a complete knowledge of the process. There are lenders that can syndicate deals may even grow loan amounts. Furthermore, you do not want your broker submitting your application to a bunch of lenders. Deals that are shopped to a wide range of lenders can literally hurt the borrower’s credit score, which is why it is crucial that you work with an alternate lending company like First Choice Business Capital for your business loans when you’re credit rating is less than stellar.

      Call Us Immediately For Your Bad Credit Business Loan Needs

      Why wait for your score to get better? There are no worries about collateral and this is a tremendous opportunity for your business to get the funds you need now, instead of later. The easy application can be submitted online right now, and operators are waiting for your call. Fill out the short online application or call us now!

      Call Now:      855-889-1990

      First Choice Business Capital

       Eden Prairie, MN, United States


      Communities we serve: 

      MinneapolisWoodburyBloomingtonBurnsvilleBrooklyn ParkMaple GroveMinnetonkaEden PrairieBlaineCoon RapidsPlymouthLakevilleApple ValleyEaganRochesterSt CloudDuluth

      55347, 55346, 55344, 55439

      Touch to Call!