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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

      Bad Credit Business Loans Harlem, NY

      Are you looking for bad credit business loans Harlem, NY? If you want a simple and hassle-free experience, look no further as First Choice Business Capital can assist you today! Here at First Choice, we understand the distress and unnecessary aggravation that you go through when you are denied by traditional banks. We have many financing options available for any business, regardless of a bad credit history and the approval process is fast too, just 24 hours in many cases!

      Get a Business Loan With Bad Credit – The Cold Hard Facts

      Studies have shown that approximately 70 percent of all companies will not qualify for a traditional bank loan. So if you have been denied, you may find comfort in the fact that you are not alone as you are in the majority in regards to eligibility for a business loan. The fact is banks deny loans to businesses with bad credit for a variety of reasons. One of the main reasons that denials occur is simply when a business has a bad credit history and they pay no attention to whether or not the business is actually profitable. There are other reasons you may be rejected as well such as tax liens or judgments against you.

      As you know, capital is at the core of each and every business. That’s because working capital is the foundation on which a company operates. When the economic situation tanked in 2008, many businesses suffered. Since then, getting a bank loan has become much tougher and new policies have cut access to capital even further for many businesses. These new regulations really affected small and medium size companies with 50 or less employees. Although this situation is an enormous burden to those needing funding, it has actually created an opportunity for alternate loan companies to step in and save the day by providing much-needed services to business owners.

      At First Choice Capital, we are skilled in high-risk funding for those businesses that are affected by these new regulations. Financing options for businesses with bad credit is not an urban myth, it is very real and we can help you too. So despite of what you may have heard, the truth is businesses with bad credit can readily get the financing they need simply by leveraging the various alternative-lending solutions that are now available to them. Have any questions, please call or fill out the online loan application.

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      Options Are Available in Harlem, NY, For Bad Credit Business Loans

      What the majority of businesses don’t realize is that unsecured short-term loans are quite easily available to them – if they know where to look! In fact, unsecured short-term loans are accessible to all kinds of businesses and your business is no exception. Perhaps, you’re just worried because you’re thinking that you have no collateral and bad credit on top of it. But the reality is that you actually can get business loans with bad credit and zero collateral.

      At First Choice, we have made Business loans for bad credit our specialty! In fact, you can get bad credit business loans fast with no collateral and that’s no fiction – we provide these types of business loans every day. Plus, we can usually fund your business loan within 24 hours. Yes, in just 1 day! We know what you’re thinking… small business loans bad credit – really? Yes, this option is very real, fast and it’s easy to get!

      Most businesses in this situation don’t have time for a long drawn out process. You need funds now and First Choice understands this. That’s why we take great pride in being able to help you solve your financial situation as quickly as possible, and we possess a high approval rate as well.

      Business Cash Advances, Unsecured Loans and Short-Term Loans

      Alternative lending options such as these are often referred to as a merchant cash advances, or MCA’s. These types of bad credit business loans are great for the majority of businesses that just can’t get conventional financing due to a bad credit history.  What sweetens the deal even further is the fact that no collateral is actually needed in order to qualify for a business cash advance. 

      This aspect makes it even easier for you to qualify for a loan if you’re a business with bad credit and don’t have any collateral.  At First Choice, we provide funding for a variety of industries, so it is highly likely that we would be able to assist you.  If you have deposited between 8-10 thousand pretty much every month for the last three months, and have been in business for at least that amount of time, we can help you – no problem!

      What Are All The Merchant Cash Advances Perks?

      There are quite a few advantages to MCAs also know as merchant cash advances. A prime example of one of these perks is just how quickly a merchant cash advance is financed. Where traditional banks often take a long time, an MCA can most likely be approved and funded in just a fraction of the time that a bank would take.  In addition, approximately 90 percent of these loans are approved and these loans are generally funded in 48-96 hours after approval.

      The process for a loan approval is very straightforward with a one page simple loan application is all that’s is needed.  The overall procedure to get approved is easy, too. You just need to have your business’s last six months of bank statements ready because with this information, we can work on approving your loan very fast.  So, if you need a bad credit business loan fast, a merchant cash advance along with all it’s perks could be just the solution you are looking for. 

      Merchant cash advances are actually short-term business loans and they typically run from 4-18 months and these loans have a fixed cost of capital.  Payments can be made either daily or weekly. Payment loans made daily are Monday – Friday and merchant cash advances generally have within 20 and 22 payments each month.


      We Collaborate with Many Types Of Businesses

      All sorts of companies can get short-term business loans bad credit. First Choice loves to help all kinds of companies regardless of your credit. The following is just a small sprinkling of the types of businesses we want to hear from:Home Health Professionals, 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 companies and many more can have business loans with bad credit.  It should be comforting to know that First Choice can help any business with credit woes as long as they meet the minimum requirements mentioned above.

      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 Any of These States? 

      Merchant cash advances are also easily available in the following states: 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.

      Work With A Dependable Finance Broker of Bad Credit Business Loans 

      It is very important that you work only with reputable lenders when trying to get hold of bad credit small business loans. It can be a little challenging when deciding on which institution to go with, as there are plenty to choose from.  However, you need to know that not all them will have your best interest at heart. 

      Often time’s borrowers are unknowingly declined based on the fact that their loan broker simply provided the wrong information to the possible lenders. It is really important that the brokerage firm has an in-depth understanding of the underwriting process for all its lenders. They must know their lenders well and should be able to guide the borrower through the entire process smoothly.

      You will also want to make sure that your brokerage firm is not presenting your deal to a wide variety of lending institutions; that is not a good thing.  The reason is that a borrower’s credit score can be negatively influenced when the application is shopped around to multiple lenders. Choosing trustworthy alternative lending firms like First Choice Business Capital will protect you from these types of amateur mistakes other brokers often make.

      Contact Us Today For Your Bad Credit Business Loan

      If you’ve been waiting for your credit score to increase before you apply for a business loan, you’re making a huge mistake.  Time is money and there is no sense waiting, when you can have alternative lenders like First Choice get you the funding you need right away.

      Plus remember, you do not need to put up your personal possessions as collateral, and you do not need to have good credit.  This is a genuine business opportunity that is just way too good to pass up. You are just a simple, one-page loan application away. Fill it out online or call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

      Harlem, NY, United States


      Cities we serve: 

      10026, 10027, 10029, 10030, 10031, 10035, 10037, 10039

      Touch to Call!