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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 Possible?

      First Choice Business Capital can help you acquire the business loans you need to keep your business in Fargo, ND, making money, despite the fact that you have bad credit.
      At First Choice, we realize how aggravating and irritating it can be if you have a poor credit score and you’ve been getting declined from traditional banks for backing. That’s why we have dedicated ourselves to making business-funding choices obtainable to all enterprises regardless of a bad credit history.

      The Reality About Getting a Business Loan With Bad Credit

      If you feel you are alone in this circumstance, you may be surprised to know that you are not. Recent studies have even shown that under a third of businesses could be approved for a loan from a traditional banking institution. One of the reasons for declined loans could be as basic as a company applying for a business loan with poor credit. Also, companies may also have a judgment or lien, which makes getting a business loan from a traditional bank impossible.

      Being turned down by a bank is often disheartening, and many businesses simply give up after hearing “no.” When a company does not have easy access to cash, they are not going to be able to stay in business for long. In 2008, the economic climate collapsed, and since then even those companies that are successful have had a hard time securing bank loans.New regulations implemented after the economic crash has made acquiring capital practically impossible. What’s even more discouraging is the entities affected by these are not large corporations, but those with under 50 employees.

      This dilemma has opened the doors for new types of loan options from alternative lenders.High-risk lenders like First Choice Business Capital can surely provide quick approvals and no-nonsense funding solutions. We even offer 24-hour approvals! It really is true that businesses with subprime credit can get the amount of money they need. When traditional routes fail, alternative loan companies can provide the assistance needed.

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      Bad Credit Business Loan Options

      What almost all businesses don’t realize is that unsecured short-term loans are readily attainable to them! Subpar credit aside, you can get the business loans you need even though you have poor credit. In fact, these business loans are available for all types of businesses. What’s even better is that you can get business loans quickly despite having credit problems. Some alternative loan companies such as First Choice Business Capital can typically fund you within just 24 hours. Do you need a small business loan, but don’t want to ask because you have bad credit? First Choice understands your business cannot wait any longer for the funding it requires. We take pride in helping you solve your financial crisis as quickly as possible, and we boast a high approval rate as well.

      Short-Term Loans, Unsecured Loans & Business Cash Advances

      These types of alternate lending is often referred to as a merchant cash advance, also known as (MCA). When a traditional bank turns down a loan, these can supply the money required to stay operating. No collateral is needed to qualify for a business cash advance, which makes it even easier to qualify for a loan if you’re a business with bad credit. We provide customized business financing in all types of industries. We do not provide start-up loans, so you will need to have a business that has been functioning for a minimum of three months. Apart from that, we will definitely need to see that you have deposited a minimum of eight thousand dollars for each of the three previous successive months.

      Merchant Cash Advantage Perks

      There are many merits to applying for a merchant cash advance. One of the most prevalent advantages of a loan of this sort is how quickly it is funded; it is extremely fast in comparison to a loan from a bank. For instance, most loans are funded less than four days, since a large number of loans of this type are approved within as little as one day!

      Furthermore, the application is only one page and we will only ask you to supply us with the last six months of banking statements. We can work to approve your loan application when this information is provided. A merchant cash advance can be simply what you need if you have been turned down by your bank due to terrible credit. A merchant cash advance is a short-term business loan that can get you going again. These loans are generally paid back in fewer than 18 months, some as little as 4 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 Work With All Types of Companies

      Short-term business loans for low credit are offered to a myriad of company niches. At First Choice, we have worked with almost every kind of company. Here are just a few we have worked with: Building and Construction, Electrical contractors, Painting, Carpentry, Roof repair, Plumbing, Cooling and Heating, Masonry & Stone, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Trucking, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffolding, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. These niches and more are suitable for business loans when their company’s credit is an issue. First Choice teams up 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

      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.

      Working With a Reliable Finance Broker of a Bad Credit Business Loan

      For companies with subpar credit looking to acquire a small bad credit business loan, always check the reputation of the agent. Perform your due diligence while you wade through the loan solutions that are available. Borrowers have inadvertently been declined in the past due to erroneous information being given by intermediaries to their lender of choice.

      It is crucial that the brokerage firm has an in-depth understanding of the underwriting process. They should really know their lenders well and have the capacity to guide the borrower through the process. Those lenders that can syndicate the deals may even grow loan amounts. You do not want your broker submitting your application to a number of lenders. So, choose a trustworthy company like First Choice Business Capital to guarantee this does not happen.

      Call Right Now for Your Bad Credit Business Loan!

      You do not have to wait until after your credit score is better to get a loan. This is a business opportunity, so you shouldn’t let it pass you by. And don’t worry about collateral – you don’t need it to obtain the loan. It is a simple, one-page application. Fill it out online or call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

       Fargo, ND, United States


      Communities we serve: 

      FargoGrand ForksBismarck

      58103, 58102, 58104, 58047, 58078, 58121, 58122, 58124, 58125, 58126, 58105, 58106, 58107, 58108, 58109

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