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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

      How To Get a Business Loan With Bad Credit?

      First Choice Business Capital concentrates on providing fast and convenient business loans in Grand Forks, for all kinds of businesses with bad credit. We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is poor.

      What Do I Need To Know About Low Credit Business Loans?

      The majority of companies today do not qualify for bank loans. In fact, studies have shown that only 30 percent of businesses would get approved! We pride ourselves in helping companies get the funds they need regardless of what your credit history looks like, and we have many alternatives that we can make available. Bad credit can be the main reason for many denials, but there might also be tax liens against the company, and court judgments can affect the outcome too. Unfortunately, once a business gets denied for a loan, they often give up all hope for funding.

      Working capital is the foundation on which a company operates, and since the economic collapse of 2008, it has become incredibly difficult for profitable businesses to get a bank loan. From that time on, gaining access to capital has become a problem because of new regulations that have been set up. They apply to small and medium-sized entities, thus this means that those operations with less than 50 employees are the ones affected. While this is a step in the wrong direction, it has opened up a new market for those specializing in alternative funding options.

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

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      Grand Forks, Bad Credit Business Loan Options

      What most businesses don’t know is that unsecured short-term loans are quite easily attainable to them! Small, medium and even large organizations can qualify for uncollateralized loans. Even with bad credit, it is possible to get approved right away. That’s right, you can get business loans that you need as quickly as tomorrow despite your company’s poor credit. Many different types of companies can get business loans for insufficient credit with the options we offer. Are you in need of a small business loans, but have awful credit? First Choice knows that businesses in need require loans 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 insufficient credit business loans are sometimes the only factor standing between a company continuing to be open or closing for good. They are excellent for the majority of businesses that just can’t get conventional financing due to their bad credit history. These alternative loan options are even easier to qualify for since no collateral is involved. We offer custom loaning for businesses in all types of industries. We do not offer start-up loans, so you must have a business that has been operating for a minimum of three months. In addition to that, we are going to need to see that you deposit a minimum of eight thousand dollars for the past three consecutive months.

      What Are the Benefits of Merchant Cash Advances?

      Applying for a merchant cash advance most definitely has its perks. For one, these loans are funded much quicker than those from traditional banks. Actually, most of these loans are approved in 24 hours. You will not have to wait long for your money, either; most loans are funded less than four days right after approval.

      Also, the application is only one page and we only need the last six months of banking statements to be provided. We can work to approve your loan application when this data is presented. A merchant cash advance can be solely what you need if you have been denied by your bank as a result of terrible credit. These loans are considered short-term business loans and have a fixed cost of capital. They are generally paid within four months to a year and a half, and the payments are made daily or weekly. MCA loans have between 20-22 daily payments a month, with payments being made from Monday – Friday.


      We Partner with Many Businesses

      Short-term business loans for low credit is offered to a myriad of company niches. At First Choice, we have assisted almost every kind of company. The following is a sprinkling of the types of businesses we want to hear from: Development, Electrical contractors, Painting, Carpentry, Roofer, Plumbing repair, Cooling and Heating, Masonry & Stonework, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Truck, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffold, Automotive/Mechanic Repair Shops, Auto Body repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Professionals. These business sectors and more are eligible for these short-term business loans. First Choice can help any business that meets the qualifying criteria 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!

      States We Can 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.

      Respectable Companies That Provide Subpar Credit Business Loans

      For companies with substandard credit looking to get a bad credit small business loans, always check the reputation of the agent. Not every company in the business of lending subprime loans will have your best interest in mind, so it is best to perform due diligence. It is unfortunate when a borrower is declined as a result of an agent providing inaccurate info to a lender.

      A good brokerage house can get businesses funded by thoroughly understanding the underwriting process of the different lenders available to them. You should also know that some broker houses could even syndicate offers, which can amplify the total approval amounts. Also, a good broker should stop your deal getting submitted to multiple lenders. Deals that are shopped to multiple lenders can really hurt the borrower’s credit score, which is why it is necessary that you work with an alternative lending company like First Choice Business Capital for your business loans when you’re credit rating is less than stellar.

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

      It is not important for you to lie in wait until your score improves to apply for a loan. Do you honestly want to let this opportunity pass you by? You don’t need to let any business opportunity pass you by, and don’t have to relinquish your personal belongings or property to use as collateral for a loan. Call us right now or fill out the short online application to get the process started right now!

      Call Now:      855-889-1990

      First Choice Business Capital

       Grand Forks, ND, United States


      Communities we serve: 

      FargoGrand ForksBismarck

      58201, 58203, 58202, 58207, 58206, 58208

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