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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

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

      Are you seeking out business loans in St Cloud, MN, but have bad credit? If you want a swift and hassle-free choice, First Choice Business Capital can serve you today! At First Choice, we know how upsetting and irritating it can be if you have a subpar credit score and you’ve been getting declined from conventional banks for capital. That’s exactly why we have committed ourselves to making business-funding opportunities readily available to all businesses regardless of a bad credit history.

      The Facts About Obtaining a Business Loan With Low Credit

      If you think 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 helping companies get the funds they need regardless of what your credit history looks like, and we have many options that we can offer. Reasons for declined loans could be as simple as a company applying for a business loan with poor credit.

      Also, there could be tax liens against the company, and court judgments can affect the outcome as well. Without proper accessibility to cash most businesses couldn’t keep their doors open for very long. Ever since the economy collapsed in 2008, it has become extremely difficult for companies to secure loans. New regulations enforced after the economic crash has made acquiring capital near impossible.They apply to small and medium-sized entities, so this means that those operations with less than 50 employees are the ones affected.

      Unfortunately, this is quite the dilemma, yet it has opened the market up for different lending options. Business cash advances 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.

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      Business Loan Options Bad Credit St Cloud, MN

      Quite possibly you are one of the businesses that are unaware that short-term loan possibilities are available. Unsecured short-term loans are possible to businesses just like yours even if you have no collateral and bad credit. In fact, business loans for insufficient credit are available for all types of businesses. What’s even better is that you can get these business loans fast– some alternative financial institutions such as First Choice Business Capital can typically fund you within just 24 hours. Do you want a small business loans, but have bad credit? First Choice knows that businesses in need require finances now, so we pride ourselves on a high approval percentage that occurs quite quickly.

      Short-Term Loans, Unsecured Loans & Business Cash Advances

      These types of offerings are known as a merchant cash advance (MCA). These business loans are sometimes the only thing standing between a company remaining open or closing for good. These subpar credit business loans are perfect for the majority of businesses that just can’t get old-fashioned financing due to their bad credit history. If you’re a business with bad credit, you don’t need to have collateral. We supply custom business financing in all types of industries. The only qualifying measures needed is that the business has been operating for at least 3 months and you’re depositing at the very least 8-10 thousand dollars typically over the last 3 months.

      Merchant Cash Advances Benefits

      There are many advantages to applying for a merchant cash advance. One of the primary advantages of a loan of this sort is how quickly it is funded; it is extraordinarily fast in comparison to a loan from a bank. Many times, a business can have their approval in only one business day and the approval rate of these loans is humongous compared to typical bank loans as well. We can proudly claim an approval rate of over 90 percent, which means 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 loan approval process is simple and easy as well, since all you need to fill out is a simple one-page application form. Also, you should prepare the last six months of business bank statements, due to the fact that with this information we can work on approving you very fast. When your business is halting due to 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. 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.


      We Team Up with All Types of Companies

      Many types of businesses can get these short-term business loans. A merchant cash advance company like First Choice will not discriminate based on business type. The following is a handful of the types of businesses we like to hear from: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, HVAC System, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Car Body Repair and Painting, Home Health Services, Interior Decorators, Pest Control, Taverns and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. There are various other company niche markets that can be serviced with business loans with horrible credit. 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!

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

      Merchant cash advances are offered to business entities in the following states: 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.


      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 legitimate agent. Not all of them will have your best interest at heart. It is unfortunate when a borrower is declined because of a broker providing inaccurate info to a lender.

      A legitimate brokerage understands the underwriting process. Moreover, they have substantial expertise about the lenders at their disposal. Additionally, you will want to ensure the brokerage firm is not showing your deal to a wide variety of lending institutions, because a borrower’s credit score can be detrimentally impacted when the application is shopped around to multiple lenders. You really want to choose a legit company like First Choice Business Capital to make certain that this does not happen.

      Got Bad Credit Business Loan Needs? Call Us!

      It is not important for you to hold everything until your score improves to apply for a loan. Do you actually want to let this opportunity pass you by? 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. Fill out the short online application or call us now!

      Call Now:      855-889-1990

      First Choice Business Capital

       St Cloud, MN, United States


      Communities we serve: 

      MinneapolisWoodburyBloomingtonBurnsvilleBrooklyn ParkMaple GroveMinnetonkaEden PrairieBlaineCoon RapidsPlymouthLakevilleApple ValleyEaganRochesterSt CloudDuluth

      56301, 56303, 56304, 55320, 56374, 56379, 56387, 56372, 56393, 56395, 56396, 56399, 56302, 56397, 56398

      Touch to Call!