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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 Not Impossible!

If you are wanting to get a business loan even though your company’s credit is bad in Bismarck, ND, First Choice Business Capital can help. We have many finance options available for companies, regardless of a bad credit history. The approval process is fast as well, 24 hours in most cases!

Who Applies For Low Credit Business Loans?

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you are in the majority. Businesses with bad credit get denied for loans more often than not and poor credit alone is one of the main reasons that banks deny business loans. Furthermore, a company could also have tax liens or judgments against them. Needless to say, businesses with bad credit typically give up after they are declined for a bank loan.

We all know that without capital, a business will falter, and keeping the doors to a business open requires capital. In 2008, the market crumbled, and since then even those companies that are making money have had a hard time securing bank loans. There are new guidelines in place as well that make the procedure even more challenging than it was before the collapse. These new rules apply for small and medium size companies with 50 or less employees. This is quite the dilemma, yet it has opened the market up for different lending options.

If you are interested in a loan process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the money you need, faster than you ever thought possible.

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Bad Credit Business Loan Options Bismarck, ND

It could be you are one of the businesses that are unaware that short-term loan options are out there. Small, medium and even large organizations can qualify for uncollateralized loans. Even with bad credit, it is quite possible to get approved right now, because business loans for subpar credit are our field of expertise! What’s even better is that you can get insufficient credit business loans fast– some alternate lending institutions such as First Choice Business Capital can typically fund you within just 24 hours. Are you still looking for small business loans, however getting turned down because you have bad credit? First Choice knows that businesses in need require funding now, so we pride ourselves on a high approval percentage that occurs quite quickly.

Short-Term Loans and Business Cash Advances

You may have heard of these types of alternative lending options, which are also known as merchant cash advances, or MCAs. For companies that have been turned down for a business loan by a bank, these kinds of business loans offer an amazing opportunity to get funding. You do not even really need collateral in order to qualify for an MCA. We give customized business financing in all types of industries. The only qualifying 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.

Merchant Cash Advantage Perks

MCAs offer several advantages to all sorts of companies like yours. One of the primary advantages of a loan of this sort is how quickly it is funded; it is unbelievably fast in comparison to a loan from a bank. You can be approved for this type of loan in only one day and the process for a loan approval is very easy.

A simple one page application is all that is needed and have your business’s last six months of bank statements ready, too. We can work to approve your loan application when this data is provided. A merchant cash advance can be solely 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 and have a fixed cost of capital. They are usually paid within four months to a year and a half. Payment options are flexible for these loans, and they can be paid either daily or weekly. Each month, there are customarily 20 to 22 payments for a merchant cash advance.


What Type of Businesses Can We Work With?

All sorts of companies can get short-term business loans when credit is an issue. First Choice loves to help all kinds of companies. There is a wide variety of businesses that merchant cash advance companies like to work with. Some of the most common niches include: Home Health Providers, HVAC, 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, Clubs and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. These are just some business sectors that are suitable for business loans with horrible credit. First Choice works with any company that is suffering due to bad credit and meets the minimal criteria set forth earlier.

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 Do Business In

Merchant cash advances are also readily available 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.

Trustworthy Companies For a Business Loan With Subpar Credit

When trying to get bad credit small business loans, be confident that you are working with a professional broker. Not all them will have your best interest at heart. Borrowers have inadvertently been declined in the past due to erroneous information being given by intermediaries to their lender of choice. A good brokerage house can get businesses funded by thoroughly understanding the underwriting process of the different lenders available to them.

You will also want to ensure the brokerage firm is not introducing your deal to a wide variety of lending institutions. A borrower’s credit score can be detrimentally impacted when the application is shopped around to multiple lenders. Deals that are sent in tandem like this can make your credit score take a nosedive even further. You do not want this to happen, particularly when a low credit score is why you are shopping for alternative lending in the first place. Deciding on a highly regarded lending house like First Choice Business Capital will save you this heartache.

Call Today for Your Bad Credit Business Loan

You do not have to wait until after your credit score recovers to get a loan. This is a business opportunity that allows you to keep your personal belongings, since you don’t have to worry about not having enough collateral. Fill out the short online application or call us now!

Call Now:      855-889-1990

First Choice Business Capital

 Bismarck, ND, United States


Communities we serve: 

FargoGrand ForksBismarck

58501, 58503, 58504, 58505, 58502, 58506, 58507

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