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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

      Getting a Business Loan With Bad Credit is Possible!

      First Choice Business Capital can help you get the business loans you want to have to keep your business in Rochester, MN, profitable, regardless of whether you have bad credit.Traditional banks often deny funds to businesses that do not have good credit, which causes much frustration to the owners. We understand your pain. Regardless of a bad credit history, we have many business funding options available, such as cash advances, short-term loans and much more.

      What’s The Bottom Line About Obtaining a Business Loan with Poor Credit?

      You are very likely quite anxious and discouraged from being denied, but we can help.
      Banks deny loans for many reasons and poor credit alone is one of the prime reasons that banks deny business loans. Furthermore, a company could also have tax liens or judgments against them. Businesses with bad credit generally give up after they are declined for a bank loan.

      Getting denied is demoralizing, and many companies give up their hopes for a loan once the bank denies them. The core of every business is its working capital and since the economic collapse of 2008, it has become significantly difficult for profitable businesses to get a bank loan.Regulations put in force after that time have cut accessibility to capital for a considerable amount of establishments. Regrettably, it is not the large corporations suffering the brunt of these new laws, but those with under 50 employees.

      Fortunately, alternate loan companies have stepped in to help solve this dilemma. At First Choice Capital, we specialize in high-risk funding for those businesses that are affected by these regulations.By using the alternative funding options available, it is true that a business with bad credit can get loans.

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      Business Loan Options Bad Credit Rochester, MN

      It could be that you are one of many businesses that are not aware that short-term loan solutions are available. First Choice Business Capital cannot only offer you the funds you need but provide subpar credit business loans very quickly. For instance, many times backing occurs in only 24 hours. So, you will be putting that money to work faster than you ever thought conceivable! Are you in dire need of a small business loan, but are afraid you will be turned down because you have bad credit? First Choice understands this. We take pride in helping you solve your financial emergency as quickly as possible, and we boast a high approval rate as well.

      Business Cash Advances, Short-Term Loans and Unsecured 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 remaining open or closing for good. When a traditional bank turns down a loan, these can supply the money required to stay doing business. These alternative loan options are even easier to qualify for since no collateral is needed. We provide loans for a variety of industries as well, so it is truly probable we would be able to assist you. The only rules needed is that the business has been operating for at least 3 months and you’re depositing about 8-10 thousand dollars regularly over the last 3 months.

      What Are the Advantages of Merchant Cash Advances?

      There are quite a few advantages to MCAs. For example, one of the biggest perks about these types of loans is that as mentioned already, it provides unbelievably fast funding compared to that of a traditional bank. Many times, a business can have their approval in only one business day. Also, the approval rate of these loans is gigantic compared to typical bank loans as well. We can proudly claim an approval rate of over 90 percent, which implies you have much better chances of being approved than at a bank!

      You will not have to wait long for your cash once approved, since these loans are generally paid out in less than four business days, which is much faster than a bank. The process to get approved is easy as well as the application form is only one page. Have your business’s last six months of bank statements ready, because 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 denied by your bank because of damaging credit. These loans are considered short-term business loans. The loans have a fixed cost of capital and are usually repaid within four months to a year and a half. Daily loan payments are Monday to Friday, and MCA loans have between 20-22 daily payments a month.


      We Team Up with Many Businesses

      Short-term business loans when your company is suffering from bad credit are offered to a myriad of company niches. At First Choice, we have worked with almost every kind of company. Here is a sampling of the types of companies we coordinate with: Automotive/Mechanic Repair Shops, Wrecking and Demolition, Car Body Repair and Painting, Water Well Drilling, Clubs 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 Providers. These markets and more are entitled to business loans when credit isn’t great. 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!

      States We Can Really 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.

      Only Partner with Professional Bad Credit Business Loan Brokers

      There are unethical companies in this industry, preying on those looking for business loans with low credit. Due to this, it is vital to ensure that you only deal with reputable brokers. Perform your due diligence while you wade through the loan solutions that are readily available. There are also times when borrowers are turned down because the brokers provide the wrong information to prospective lenders.

      A credible brokerage understands the underwriting process. They have extensive knowledge about the lenders at their disposal. You will also want to ensure the brokerage firm is not showing your deal to a wide variety of lending institutions. A borrower’s credit score can be detrimentally influenced when the application is shopped around to multiple lenders. You really want to choose a respectable company like First Choice Business Capital to be certain that this does not happen.

      If You Are In Need of a Bad Credit Business Loan, Do Not Delay – Contact Us Today

      There is no need to wait for your credit score to increase to apply for a business loan. Do not let this opportunity pass you by; and don’t worry about collateral, because you don’t need it to obtain the loan. You can get this process started right now by filling out the simple form. It is available online, or if you prefer to discuss your options, you can call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

       Rochester, MN, United States


      Communities we serve: 

      MinneapolisWoodburyBloomingtonBurnsvilleBrooklyn ParkMaple GroveMinnetonkaEden PrairieBlaineCoon RapidsPlymouthLakevilleApple ValleyEaganRochesterSt CloudDuluth

      55901, 55904, 55902, 55906, 55920, 55960, 55976, 55905, 55903

      Touch to Call!